davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX, XXXX I filed a Chap. XXXX BK to stop a foreclosure sale on XXXX XXXX, XXXX. At XXXX on XX/XX/XXXX- the day of the foreclosure sale- I received a call from XXXX XXXX XXXX XXXX that there was going to be an emergency hearing at XXXX XXXX one hour before the foreclosure sale ends in XXXX County , Georgia. The subject property had been in a trust set up in XXXX. My brother, XXXX XXXX XXXX is the trustee of the trust, I, XXXX XXXX is the beneficiary and my brother is a licensed attorney in XXXX XXXX, La. The BK Judge set aside the automatic stay around XXXX XXXX  stating that my brother was not licensed to practice law in Georgia. I asked for a continuance or the right to change to a Chap. XXXX. The BK Judge lifted the automatic stay. 
XXXX had taken the subject property off its website earlier in the day on XXXX XXXX. Later at XXXX XXXX the property was put back on the site. I had hired XXXX XXXX to bid on the subject property but was blocked and XXXX even if you bid you still have to go to the courthouse to bid. You can not purchase online in XXXX County, Ga. I also had two men at the courthouse to bid on the property for me. XXXX claims to have " cried out '' the sale at XXXX but no one was even at the courthouse at that time or did not hear the " cry out ''. Under Georgia law this is viewed as " chilled sale '' because it tool place at the end of the day when all the buyers had already gone for the day. The law firm of XXXX XXXX may have a license to practice law but not a license to steal. What makes this case different than all others is I was prepared to bid on the house and had the funds to do so lined up. I had applied some time ago with Wells Fargo for a reverse mortgage and was approved only a few weeks before the closing Wells Fargo decided to get out of the reverse mortgage business. I later was approved 3 more times and Wells Fargo would not accept the proceeds to pay off the loan. Wells Fargo has a manuel it publishes for attorneys which has all kinds of secret codes. I later found out that once a homeowner is 3 years behind in his payments with Wells Fargo they will not modify the loan and only want to foreclose. I had also submitted a loan modification to Wells Fargo only to find out 8 days before the foreclosure sale of XXXX XXXX, XXXX that I was one piece of paper shy ( form 4506 ) from being put in an " active modification '' which would have stopped the foreclosure sale. I got a supervisor with Wells Fargo Home Preservation on the phone and offered to fax the 4506 over but was told it was too late and I was being denied. I feel this is a violation of the FDCPA. I feel I was " wrongfully foreclosded '' as the sale was fixed by highly skilled attorneys intent on taking the property back as an XXXX Property and stealing the house. I have lived in my primary property for 26 years and am XXXX years old and XXXX but still work and have a XXXX XXXX.
Consumer complaint received 2020-07-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I have a medical bill that I have been paying monthly since XXXX of 2019. The amount was XXXX and it is down to XXXX I have been paying this amount to XXXX XXXX, XXXX ; however, I received a bill yesterday from Wakefield & Associates - XXXX XXXX, XXXX / stating i owe XXXX and i have a 9 % interest rate. I do not know why this company is claiming amount owed is XXXX nor why there is an interest on a medical bill. 

My account was never transferred to Wakefield & Associates..CEP IS STILL TAKING CARE OF THIS BILL. THIS COMPANY IS A FRAUD. 

XXXX XXXX XXXX, XXXX, TN XXXX
Consumer complaint received 2018-07-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

I have a lease for a vehicle with GM Financial. In late XX/XX/XXXX/early XX/XX/XXXX, they made changes to their website and this caused issues to first, pay my bill on time ( they did provide advanced notice so I accepted that I didn't make the payment early enough for the cutoff and paid the late fee associated ), and second, after they made the website changes, the information on the website reports inconsistently. Each month, various statements reflect different amounts owed. I made a large payment in XX/XX/XXXX, thinking I had cleared up all inconsistencies, however, they continued. In XX/XX/XXXX, I received a statement in the mail that reflected I owed over {$3000.00}, when I log in to the website the front page tells me I owe around {$2000.00}, and then when I go in to make the payment it tells me I owe {$0.00}. I spoke with a representative in XX/XX/XXXX when I made the large payment who told me all was cleared up, and my balance was XXXX, however, the online balance continues to show thousands of dollars. I'm completely confused, and have zero confidence that GM really knows how much I owe them. Plus, I started thinking that maybe it shows I owe a XXXX balance on the payments page because I overpaid back in XX/XX/XXXX. On XX/XX/XXXX, I spoke with operator XXXX   who was quite rude to me, telling me they look forward to my CFPB complaint and I should just accept that the error they have on the website is not a problem and keep making payments. I tried to tell her I'm confused and don't know if I really need to, it was my understanding this issue was resolved months ago, but she just referred me to the contract and told me they look forward to getting my CFPB complaint. So I hung up. My request is that I will pay whatever I owe, but I want confirmation that it's accurate, and I'd like them to waive any late fees I currently owe because this is the result of them inaccurately reporting what I owe vs. me not paying. I have made every payment on this vehicle for over three years and have terrific credit. I appreciate any help you can provide me.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio Recovery is trying to collect on a debt for XXXX XXXX and I have NEVER had a XXXX XXXX account. I do not owe this debt and have been fighting it for a long time. They have yet to prove to me that it is mine with any application or signed document. They are affecting my credit and financing.
Consumer complaint received 2022-09-14
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. (IL)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency.

They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX and XXXX. This has caused me tremendous XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America is terrible and so is XXXX, I spent a ton of money on a app that was clearly a cash grab that lasted like 5 months if that. XXXX told me to go to XXXX and refused to do anything and I was told I could leave a bad review or a complaint with the company. So I went to BoA for aid, they started disputing in which I got cleared on the low cost transactions so I figured I was good... ..nope... .they sent me letters saying the others are in the right cause of proof of transactions ... .ok # 1. You already approved the dispute with the lower cost ones so you know I'm in the right and # 2. I wasn't disputing the transaction themselves I was disputing the fraudulent company they went to... ..so done with these people its crazy. Oh # XXXX now that my account is finally at all time low and because I just had like a XXXX XXXX XXXX they see an opportunity to make money with interest ... I wasn't even asking for it all back whatever they could do was fine ... .. Now that I'm in extreme pain I got ta deal with these guys ... naw. wish I would have read everything about BoA cause there reviews are terrible and would have never bothered. There all looking to rob you nowadays so stay on your toes. And no I don't ask for 10 disputes a year either. I can only remember 1 other in the past few years and they clearly took care of it. Seems like to much leg work for them tk dk any real investigating ... .it was like they admitted I was right then took it back from me ... .I 'm sick, my parents are ill and I literally had XXXX like 6 days ago ... ..they also had me ban and get rid of an account worth like XXXX ... ..I 'm asking for a small fraction of that ...... so small in comparison for what I gave up.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and I am trying to correct the inaccurate/incorrect and misused information on my profile that reports multiple times. This company is refusing to fix the issue and always claim my information was verified with no proof when I show them proof its wrong on profile.
Consumer complaint received 2020-11-15
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. (MS)

On XX/XX/2020 I mailed a letter requesting verification for inaccurate accounts listed on my credit report. I didn't receive a response so on XX/XX/2020 I mailed another letter. It has been 6 months and these inaccurate accounts are still showing on my credit report.
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Attached is a third-party authorization giving SLS permission to speak with my attorney about my account. My first mortgage was modified in XX/XX/XXXX with a HAMP Tier 1 modification. Since I received a HAMP modification before XX/XX/XXXX and my second mortgage servicer is a HAMP servicer, I should have been offered a XXXX modification for my second mortgage. It has been a year since my first mortgage was modified, but my second mortgage servicer, SLS, has still not offered me a XXXX modification.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft and I am trying to correct the inaccurate/incorrect and misused information on my profile that reports multiple times. This company is refusing to fix the issue and always claim my information was verified with no proof when I show them proof its wrong on profile.
Consumer complaint received 2019-06-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MN)

My payments more than doubled this year. I tried to set up a new payment plan that the FedLoan CSR said would save me {$100.00} but that was in XX/XX/XXXX and now it is XX/XX/XXXX and my payments have not gone down. 

I applied online and selected an option to pay {$5.00} in order to forbear my loan payments until the new Income Based / Contingent Repayment plan was processed. Unfortunately, that forebearance was never processed and my {$5.00} was never refunded. 

When I last spoke to FedLoan in XX/XX/XXXX, they said the IB/CR plan application was still pending. I don't understand how or why it should take that long let alone now going on 5 months! 

I was also unemployed for two months. FedLoan said they could lower my payment to {$0.00} while being unemployed. They never did this. 

FedLoan makes it very difficult to apply for new payment plans. They tell you that you have to apply with printed paperwork half the time! Sometimes they let you do it online but in my experience the application just waits and never processes! I've also noticed that the CSRs do not know all the details of the online applications or the repayment options because they tell you stuff that turns out no to be true. 

I need help asap.
Consumer complaint received 2016-08-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (LA)

In a previous compliant, Navient stated I did not attempt to return their calls from XXXX XXXX and XXXX, 2016, to discuss my account regarding retracting negative information in my credit reports. This statement is inaccurate. 
I did return XXXX XXXX XXXX 's calls on XXXX, XXXX, XXXX, XXXX and XXXX, 2016. I was unsuccessful in speaking XXXX XXXX, but I need speak with their representatives, XXXX, XXXX, XXXX, and XXXX, respectively, in an attempt to contact her so that I could speak with her. I still was unable to speak with XXXX XXXX, and she did not return my phone calls after XXXX XXXX, 2016. However, instead of speaking with me, personally, she relayed messages through representatives XXXX, on XXXX XXXX, who told me she was researching my case and will return my call. She never returned my call. XXXX, on XXXX XXXX, stated, she stated the negative information was retracted and will be sent to credit bureas. On XXXX XXXX, 2016, XXXX stated that it had to be sent to thr credit department for approval, but it will be retracted. 
I was given misinformation and my attempts to contact XXXX XXXX XXXX ignored. I was never given the opportunity to discuss my account in more detail.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I closed on my house XX/XX/XXXX and I was told since I didn't have 20 % down payment I would have to pay mpi on my loan until i paid off 20 %. I have recently reached that mark and they are telling me my loan is not eligible. I called XX/XX/XXXX and Sat on hold forever just to get a no. They told me I would have to keep paying mpi for the life of my loan or until I refinanced.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.
Consumer complaint received 2018-07-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: National Default Servicing Corporation (CA)

National Default Servicing Corporation ( NDSC ) has contacted me outside of their role as Trustee and made multiple contacts via written correspondence, visits to my private residence, and by telephone relating to the XX/XX/XXXXTrust Deed between myself and XXXX XXXX XXXX XXXX XXXX 

NDSC did not become the Trustee until XX/XX/XXXX when the Substitution of Trustee was recorded in XXXX XXXX County where the property resides. Their first contact was made in XX/XX/XXXX and made the knowingly false representation ( or NDSC should have known the representation was untrue at the time they made it in writing ) of being hire by XXXX XXXX XXXXXXXX to begin foreclosure processes on a delinquent mortgage debt. While steps may have begun to make NDSC the newly substituted trustee, NDSC did not become the Substituted Trustee until the proper document was recorded on XX/XX/XXXX. Therefore, any representation as to the substituted trustee made by NDSC prior to the recorded document date is a willful misrepresentation on their part. 

Resolutions at this point must include an admission of fault and/or wrong-doing in writing addressed to me and XXXX XXXX  XXXX.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Mountain Run Solutions, LLC (LA)

For the past six months mountain run solutions L has been harassing me, my place of employment, wife, church, mother n law, before XXXX XXXX and sometimes after XXXX XXXX. I've asked them to stop. they pay me no mind and keep doing the same thing.
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UP DATE MY PHONE MUMBER : XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX