davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

I have been dealing with Wells Fargo / American Servicing Company including the investor XXXX XXXX XXXX XXXX they refused to give me a modification stating that they only allow XXXX modification per the life of the loan, XXXX XXXX XXXX XXXX XXXX bought this loan on XX/XX/XXXX and did not own the loan when I modified in XX/XX/XXXX. I was then forced into Bankruptcy which Wells Fargo somehow got thrown out of court stating that I missed a payment, which is not true. They accepted 1 payment, but would not accept another payment from me, then proceeded to send back the first payment I made with a check, but they did accept the payments I made through the bankruptcy trustee office. Then I found out through law offices soliciting for business that I had a XX/XX/XXXX Auction date, I was not notified by Wells Fargo 's lawyers about this sale date, they did not mail anything to my home letting me know of this sale date. My lawyer sent a valid purchase contract for my property on the date of XX/XX/XXXX directly to Wells Fargo 's law firm that represents them, XXXX, XXXX, and my lawyer, XXXX XXXX, spoke with them to stop the Foreclosure date with this upcoming sale of my home, which they said they would, but did not. The Auction did go through on XX/XX/XXXX, with them selling the house for the amount of {$190000.00}. My home is worth at least {$350000.00}, with the loan amount approximately {$180000.00} meaning that my equity would be approximately {$160000.00}. They purposely sold this home way under market value and are trying to rip me off on the equity on this home. I received a letter stating that I would only receive a little over {$9000.00} for my home! I filed a lien against my home for the equity on XXXX to protect myself against exactly what they are trying to do. How could they sell this house at Auction when they had a viable contract for the sale? How come my lien on my house is not showing on the title of the house, this was done at the Recorder of Deeds office at the XXXX XXXX XXXX House in XXXX, IL. I do have my lawyer fighting this auction sale in XXXX County Court in Illinois. I need your help to be able to sell my home and receive my equity that is due to me. I am also concerned about the fact that the Modification that I did get in XX/XX/XXXX shows a XXXX Loan Number : XXXX that is not viable with XXXX. I signed this modification thinking I was protected by XXXX and this is not true, it is not a XXXX loan and was presented as this. This is a falsified document with my loan modification.
Consumer complaint received 2022-09-12
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)

I have attempted to dispute all listed items in attached document with all 3 credit reporting agencies : XXXX, XXXX and equifax. Information would be taken off, then readded, disputes were coming back with no proof of accuracy and I was part of the equifax data breach. 

All account information and dates are on attached document.
Consumer complaint received 2016-06-16
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Levy & Associates, LLC (OH)

After receiving a collection letter from the Debt Collector XXXX XXXX XXXX XXXX XXXX ) I sent a letter requesting verification that they are in fact collecting on behalf of said creditor, and proof of the amount of the debt they are attempting to collect on. They responded by filing a lawsuit without providing verification of the debt, a violation of the Fair Debt Collection Practice Act. The amount of the debt is substantially different from the amount owed to said creditor. If they are acting on behalf of said creditor they should be able to provide proof that they have the legal authority to collect on the debt, i.e assignment of debt or purchase agreement.
Consumer complaint received 2016-07-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (IL)

Our mortgage is through Freedom Mortgage. When I stopped working, my husband and I fell on hard times. When I called freedom to ask about how late I can make my payment. They connected me to a dept to help customers in need. They set me up on a payment plan. I would skip the first month then pay a little extra for the next 4 months to catch up with my mortgage. They said to disregard all letters because they are system automated. They then transferred my loan to XXXX. When I was done with the payment plan they transferred my loan back to Freedom along with {$600.00} dollars worth of fees accrued by late charges. Freedom refuses to help me because they say that XXXX charged me those fees not them. XXXX will not help me because they say they do not have our file anymore and we are no longer their client.
Consumer complaint received 2022-09-12
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: Rent Recovery Solutions (MN)

the company rent recovery solutions llc .. submitted fake documents as evidence to the state of Minnesota Department of commerce . in order to XXXX for a debt that they claimed i owed. the address unit number amount of the monthly lease and terms was all incorrect. rent recovery failed to provide official documents to validate this debt. its has now been 9 months since me receiving any official documents from rent recovery to back this claim. under the fair credit act. a company has 30 days to validate a debt. after receiving written request from consumer. 9 months later this fraudulent debt is still being reported as verified to my consumer profile. my states attorney office and Minnesota department of commerce currently has a open investigation going against this company on my behalf. after i submitted proof and original documents to the states attorney 's office and the Minnesota department of commerce. my rights under the fair credit act have been violated on so many different levels from this company. by refusing to remove inaccurate and false information that's been furnished to my consumer profile the complaint number i filed with the state of Minnesota # XXXX
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (GA)

Unauthorized Hard Inquiry placed on my XXXX Credit file from MACYS on XX/XX/2019. However, I do not have a Macys account, nor did I apply for one. 

I called XXXX listed with the hard inquiry on my XXXX   Credit File and spoke with XXXX who advised me to fax XXXX a written request to have the hard inquiry removed. I attempted to complete this but the fax kept failing to the number provided so this was not successful.
Consumer complaint received 2021-09-01
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. (IL)

These bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation " 15 USC 1692e ''. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/2021 I received a letter in the mail from XXXX XXXX XXXX XXXX requesting payment of a {$250.00} debt. The original debt was from a XXXX/XXXX  XXXX XXXX account ( # XXXX ). XXXX XXXX XXXX was offering a settlement of 50 % of the balance ( {$120.00} ) to satisfy the debt. They instructed me to make the payment at XXXX XXXX XXXX On XX/XX/2021, I made a payment in the amount of {$120.00} at XXXX XXXX XXXX to satisfy the debt. On XX/XX/2021, I received a notice from Resurgent Capital Services/LVNV Funding that the payment was processed and posted to my account ( See attached proof of payment ). The debt is still listed on my credit report and is negatively impacting my credit score. Not only is the debt still listed, it is reported multiple times by XXXX/XXXX XXXX and RESURGENT/LVNV FUNDING with the same account number, and for the same amount.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

I ordered a washing machine from Lowe 's during the summer of 2019. Unfortunately, the delivery driver did not have the proper insurance and the building refused the delivery. The washing machine was returned to Lowe 's. Rather than credit my account for the returned appliance, Lowe 's decided to issue me a gift card in the amount of the value of the returned washing machine. When I called the credit card company to inform them that I had never received the gift card, they told me that they would open an investigation. So far, the original purchase amount of {$1100.00} plus interest and fees is being reported to credit bureaus. I am shown as being delinquent in payments. 

Please help me!
Consumer complaint received 2024-01-31
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. (TX)

On XX/XX/XXXX I inquired about a potential loan from XXXX XXXX. I filled out the application online but didn't finish it. A lady named XXXX called me to see if I wanted to process and complete the loan that I needed to provide certain documents. I called her back and let her know that I didn't want the loan and to not process it. However the people at XXXX XXXX has called me numerous time a day and left voicemail since XX/XX/XXXX even though I called and told them I do not want the loan and to not process it. XXXX called again today XX/XX/XXXX to let me know that she ran my credit anyway and to see if I wanted the loan now since my credit was ran. I told her that I cancelled the process and I do not want it. She then mentioned again that my credit was ran and to see I wanted it or she would deny it.
Consumer complaint received 2015-10-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MD)

My loan was sold several times after the purchase of my home and was with XXXX XXXX XXXX XXXX, XXXX ) before supposedly being transferred to Freedom Mortgage XXXX freedommortgage.com, XXXX ). I make all my payments via the Freedom Mortgage website and when I needed to contact the company in regards to the servicing of my loan I was unable to enter my phone number or loan number into the automated system without being told it was n't valid. 

Once speaking to a rep with the company I was told that my loan is not with them or in their system because it 's with XXXX XXXX XXXX a sub-servicer of Freedom Mortgage XXXX. They gave me the phone number for XXXX XXXX and said to contact them. I contacted XXXX XXXX and can not even get through to a representative because neither my social or my loan number is being recognized with the automated system. The system says to call back when I have a valid loan number or social and hangs up. 

Why would XXXX XXXX tell me my loan was with Freedom Mortgage and how am I making my payments on Freedom Mortgage 's website if neither company is able to recognize my information for me to discuss my loan with anyone?
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have a credit card on my account from Capital One through XXXX. I worked to XXXX from XXXX XXXX XX/XX/2023 and I never took a credit card out. I also have one on my account that opened XX/XX/2023 from XXXX XXXX XXXX. The only credit card that I have is from my credit union. I had one from XXXX but I closed it out. I really need help getting these off of my account because this is messing with me badly in life. I am to that point in my life where I want a car of my own and to get a house but I can't because of these cards of my account having my score low. I was going to pay them out to see if that would help but everyone I talk to told me not to because I didn't make those purchases.
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (NJ)

PNC Bank is currently reporting me as 30 days late in XXXX when they gave me a deferment and I thought I was protected under the CARES Act to prevent any late payments being reported on my account.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I reviewed my consumer reports and noticed that i had 9 late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within 10 business days. Thank you so much for your time.Please see screenshot attached :
Consumer complaint received 2021-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account I C SYSTEM ( Original Creditor : XXXX XXXX XXXX ) with Account number XXXX and a Balance of {$300.00} is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (MD)

During the application process the lender fees were not disclosed despite my repeatedly asking before consenting to a hard pull. I was very specific that I was only consenting to a hard pull if the deal I saw on the aggregator website was exactly what I was getting since all the information I provided was accurate and verified. When I received the initial disclosures I saw the large lender fees and complained. The company, in writing, agreed to a 0.25 % lender credit which I accepted. This was several months ago and they are refusing to provide documentation. Throughout the process they repeatedly promised me I would see new disclosures very soon. When I received the final disclosures months later, it did NOT include that credit. When I pointed out their error they said they would get me new disclosures. It's now been 9 days with no reply. Since interest rates have increased greatly since I started this application, I am no longer able to refinance my mortgage at similar rates and am stuck. Feels very much like a bait and switch UDAP violation.
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

XX/XX/2020 I called my current mortgage lender to inquire about recasting my loan. I wanted to know what the new payment would be if I were to send in a lump sum payment to the existing mortgage balance and have the new mortgage recast at the current rate. The service rep said she can not tell me what the new payment would be. I asked to speak to a supervisor and was told the same thing. They can not tell me what the new payment would be. I would have to send in at least {$10000.00} plus a {$250.00} recast fee first and then they would tell me what the new payment would be, but not before I send them {$10000.00}. They say they can not give me an estimate. 
As a consumer, I'm trying to make the decision between refinancing and recasting. Having the monthly payment information is critical to my decision. Why would this information be withheld from me? I can estimate it myself with a mortgage amortization schedule, but I want it confirmed by my current lender. I don't understand why this can't be provided to me. I just want some one to work with me by discussing loan information.
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (IN)

I field a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment in XX/XX/2020 to my report which is incorrect and I am asking this be deleted immediately.
Consumer complaint received 2021-02-26
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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (LA)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. I am writing to request that you block the following unauthorized information from my credit report. I have no idea how the misinformation come to take place. I pulled my credit report in XXXX, 2020 and there were inquires and open accounts on my credit report that are not mine and ARE UNAUTHORIZED.
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (IA)

I have contacted Freedom Mortgage Corporation on XXXX separate occasions to remove my PMI insurance since we own more than XXXX % of our home. I have submitted a written request to Freedom Mortgage to remove it. They then requested an appraisal, which I also submitted. However, since I did not use one of their vendors for the appraisal they denied my request. They are now contacting me to try and barrow me more money because they have an " updated '' value of our home. All I want is my PMI removed. The customer service has been terrible. 

Purchase price of home was {$160000.00}, principal as of XX/XX/2016 was {$130000.00}. We are still getting charged PMI.
Consumer complaint received 2023-06-12
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.