davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

Trying to get the Fraud Alert turned off.

XXXX No Problem.

XXXX no problem.

Experian has been impossible. I have tried the Experian Internet site and when I submit my information the process is stopped. I have called Experian many times. When the computer asks me for my birth date, I type it in, then the computer simply says " Good Bye '' and hangs up. know my birth date. I type it in as MM/DD/YYYY
Consumer complaint received 2015-08-06
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Merrill Lynch Wealth Management is throwing obstacles so consumers have difficulty accessing their own funds. On XXXX/XXXX/2015 I went online to do a wire transfer. I input correct B of A account and XXXX numbers. I called M-L to complete the transaction. Several times they tried to transfer me to a financial advisor ; finally I convince them to do the transfer and they confirm is it complete and should fund within a day. XXXX/XXXX/2015 funds are still not in my account. When I call, they say B of A rejected the transfer saying the account does n't exist. I recheck my online data for the transfer and it is all still correct. M-L says they can not show me the notice from B of A rejecting the transfer, that it is a 'backroom ' process. I convince them to do the transfer again, and they finally do. I believe M-L fraudulently stopped my transfer to keep funds in their company ; they did not contact me to let me know of any problem. Clearly, there should be no problem because the numbers on record for wire transfer in my Merrill Lynch Wealth Management account are correct.
Consumer complaint received 2024-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (CA)

I'm aiming to handle the escrow account independently instead of through Wells Fargo, but they've informed me that with my XXXX at XXXX XXXX, it can't be removed unless I invest {$20000.00} into my mortgage. Despite the property appraisal last year resulting in the removal of my PMI due to property appreciation, I believe I have enough equity to eliminate the escrow account, meeting all the necessary criteria. 

How can I remove my escrow account if the bank doesnt allow me to? 

Please advise.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, XXXX failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (VA)

A year ago when I learned about the new property tax rate for my property, I called and asked Roundpoint Mortgage Servicing Corp to immediately review my escrow account and make an adjustment accordingly. Apparently that never happened. Now, I am learning my escrow is projected to have a shortfall of more than a whopping {$800.00}. This is an outrageous amount, and it reflects a pattern of negligence at this company. Not only did they fail to perform the review LAST YEAR, they also previously lost the paperwork when they acquired servicing rights to my mortgage and claimed that neither I, not my building, were insured. They also previously failed to properly inform the city where I live and my insurer about the fact they had acquired the mortgage servicing rights. This is now the second time I have complained about the company and its overall lack of due diligence and care. It failed to perform my request and I immediately demand that the company review the escrow about EVERY SPRING - once we know the new tax rate for the City of XXXX. Ironically, they are telling me this XX/XX/XXXX, just a few months before a brand NEW tax rate will be kicking in for 2017. Given the timing of this annual review process, it means that they will inevitably fail every year to properly adjust my escrow payments to keep pace with the taxes in my city. This needs to be done at the time the new tax rate is approved by the City Council - which is precisely what I asked for last year. I truly believe this company needs to be thorough examined for compliance by the CFPB. I have a strong suspicion, based on my interactions with them to date, that there is a very strong chance they are not complying with federal law. I also want consumers to be aware of the problems with this company ( which also include major challenges getting anyone on the phone when you call the customer service line ).
Consumer complaint received 2016-08-15
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

Cash Central has been tapping my cell phone and calling it with a reference number being provided after I made arrangements with their Collection department who gave me the extension on my next payday to pay on a new loan after I paid off the old one less than a month ago. I have not been do even thirty days late but they have been calling from a XXXX XXXX company and all week every single day harassing me after I spoke to several Cash Central Managers all last week and the end of last week I spoke to customer service who noted the small debt I owed which is around XXXX due to other fees. I have been scammed at my Bank and Cash Central documented that I am not a returning customer and this debt has been arranged for me to pay on during my next payday I am paid monthly and ca n't afford to pay for everything and this payday loan is the XXXX one this year I have been getting paid off so they need to stop harassing me I am broke from paying the other XXXX Cash Centrals loans and I am filing this Complaint to get this Company and the Law to have Cash Central reported to stop calling my home and cell phone as soon as they break and do n't have any other customers to bug by phone as well.
Consumer complaint received 2015-09-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The worst customer service I have ever experienced. Bank of America put a hold on my card without notice and then mailed me a new one. When I called to figure this out, I was hung up on twice and transferred to XXXX different departments. This is sick!
Consumer complaint received 2016-08-17
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NM)

Mortgage was included in a chapter XXXX bankruptcy that was discharged back in XXXX. Now in XXXX of XXXX they filed a Motion for In XXXX Default Judgment for Foreclosure and Order for Foreclosure Sale. Both my ex-husband and I have been out for over a year. I moved out in XXXX of XXXX and he in early XXXX. They keep contacting him, yet when I 've tried contacting them they will not speak w/ me. I 've also attempted to contact their XXXX To no avail he is unwilling to help or disclose much since he is their " legal council ''. I told him nimerous times on our call that we no longer resided in the home and that it has been vacant for well over a year. Now they are attempting to have my ex-husband sign a " Loan Modification '', yet have made no attempt to contact me. My ex husband provided me with the following contact info : XXXX, loan # XXXX, phone # XXXX. Have made several attempts to contact with no success.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

Bayview Loan Servicing has failed to notify me who my new Asset Manager is. Bayview Loan Servicing has changed our Asset Manager four times. Upon speaking with the third Asset Manager, XXXX XXXX, stated her email address for us to contact her is XXXXXXXXXXXX. 
Please see Exhibit F attached, of the Lost Payments, Discrimination, Retaliation and harassment email due to fake mortgage note, dated XXXX XXXX, 2016, that could not be delivered to the Asset Manager Bayview Loan Servicing states is assigned to our Loan
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NE)

I have repeatedly requested a correction to reflect I have never lived at the address of XXXX XXXX XXXX, XXXX XXXX XXXX from Equifax, which is the only agency reporting this as one of my previous addresses. They have never corrected the error over the course of several years. My credit history and score are exemplary so I suffer no consequences from the error, but Equifax just continues to fail to correct the error. I know there is another XXXX XXXX in XXXX XXXX. There was a XXXX XXXX XXXX that went to the same XXXX as me, but I am XXXX XXXX XXXX. At any rate, I have never had a residence of XXXX XXXX XXXX, XXXX, XXXX. I really wish this would be corrected. I have made several requests for correction but have never received any response to my requests.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am writing to formally dispute several negative items currently listed on my credit report, which I believe to be incorrect and unverified. These erroneous entries are severely impacting my credibility and financial standing.
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 — Information belongs to someone else
Company: Midwest Recovery Systems (CA)

I had an alert back in XXXX for a negative account popping up on my credit report for XXXX and XXXX   From Mid West Recovery No idea of thos account I had recently went through a credit repair company which did nothing so i began buolding and repairing my credit Because of this account that this company placed without no notification or letter of debt validation has greatly lowered my scores They violated under FCRA because they did not send me tbe consumer a debt validation letter and having a 30 day response for me to respond just put this as a negative for {$250.00} Its for a pay day loan and on my XXXX  it has for a XXXX XXXX but info says medical and on my XXXX it says XXXX XXXX also never did i receieve a phone call Till this day the # on the report never get calls from unless they our using different # which these scammers do When reported to XXXX XXXX the next day they deleated so why cant XXXX  I also put in with XXXX Please i want this account removed and deleated I was so shocked to read on this site how many consumers have or had same problem Mid West Recovery still has not shown validation and the time line has passed
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY ()

Dear Sir, I am XXXX XXXX from XXXX, recently I have been in contact with a seller of a car on XXXX, I use to be very carefull when it comes to buy but this time the seller I think is a scammer. 

I have bought many cars in US and this is the very first time I've got trapped. 
Before paying I got the seller passport, spoke to hime over the phone, asked for many pictures even some hard to find details for a non knowledgeable average connoisseur to make sure I was buying from someone honest. 

Then I paid the car to his bank account XXXX XXXX asked a shipping company to pick up and the seller wasn't answering anymore. 
The advert also from XXXX. 
And somehow!! the advert is again on. 

https : XXXX I was wondering if it's the same scammer, probably yes. 
You will find all the attached details, link, bank account below : Name of the seller and bank details where I have wired the money to ( probably fake ) XXXX XXXX XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cell Phone : XXXX XXXX XXXX Email address : XXXX Wire Instruction : Account Name : XXXX XXXX Bank Name XXXX TD Bank USA Checking Account # XXXX Best regardsSwift code : XXXX Routing # XXXX Bank address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX First he has sent me the saving account!! But the money has bounced Saving account : XXXX Now with the checking the money has been cleared on his account. 

Hopefully you can do something about that, I have been trying to find a number to contact the bank where the money has been sent but no success, may be the police will certainly have the power to get that.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Dear Sir/Madam, Complaint number XXXX & XXXX & XXXX : XXXX Case : XXXX XXXX XXXX & Allegation of False Billings by XXXX, violation of FCC rules, Alleged violation by Experian and XXXX under FCRA & FTC rules, & Alleged violation of FDCP Act & FTC rules by collection agent, XXXX XXXX , XXXX XXXX 
The following is a letter of complaint that had been forwarded to FTC, who had in turn, sent you for your action. I believed you also had the exhibits that was enclosed with theXXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX : XXXXXXXXXXXX
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

All XXXX credit bureaus show incorrect reporting of XXXX school loan debt. I resolved the issue with this debt holder. Originally I was not aware of the debt and never paid it. However the holder realized I 'd not been fully informed and also realized under the student loans, I have discretionary forbearance of several months that I had not used, so they simply retroactively conveyed the forbearance and cleared up all past due issues, including any credit reporting claims. I spoke with them again and they ensured they will clear up on their end. I write this complain to ensure this process of clearing any false negative reporting on all XXXX is conclusively reversed and removed regarding all student loan and/or XXXX debt or any debt for that matter, as I 'm current on any and all debts. Regards
Consumer complaint received 2018-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I am to repay my student loan, my original loan payment went from {$5.00} to {$280.00} after Navient bought my loan from a creditor. this is illegal practice I do should not have to jump through hoops to get my payments back to what they were, I want a new lender to deal with.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I have been disputing inaccurate information with Experian for over a year and now about inaccurate accounts listed on my report. They have stopped responding to any dispute i send by mail. I also contacted them about inquires since XXXX 2015 and they told me to contact the creditor. I did contact them all and i did not get a response back as all.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I was notified of Equifax XXXX XXXX of my personal account information. After XXXX XXXX XXXX. I filed per letter. They settled in XXXX I think. I went on their class action site to check my claim it stated there was no claim. I summited another claim per their site by giving them all information including my social security number to verify I was a member of the class action. I was allowed to file because my claim was verified through their website. I waited several months no settlement was issued and I read online there was a deadline to file for time used to correct what had been breach with my data, identity theft etc. I went back on their site and it said claim was denied. That I am not apart of the suit. That I can not claim for anything even future expense from the data breach. And according to the website I gave up all my rights to sue them with my own attorney? And I read several class action lawsuits to see if they can take your right to sue a company and apparently several state you give up your rights even if you are unaware of the suit or not? How can this be? I received the initial letter by mail and no more written correspondence. Shouldnt I have received something informing me about my claim? I sent receipts, bank statements etc. not one word except the attached emails
Consumer complaint received 2022-02-12
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. (PA)

Hi, XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX. 
I would like the negative items removed they are impacting my score. they don't belong to me. I don't know who they belong to but they are not mines and my score is hurting me.
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MS)

Since XX/XX/XXXX have submitted three ( 3 ) mortgage modification packages to Wells Fargo and updated last package five ( 5 ) times. XX/XX/XXXX, after receiving no responses to packages or updates from the WF mortgage specialist, had WF customer service track him down ; this took several additional months. The mortgage specialist stated to the customer service rep he cancelled my package XX/XX/XXXX, due to no responses from me ; I was the only person responding. After review of my files, located a letter, dated XX/XX/XXXX, from the mortgage specialist stating he had received my package and was processing the paperwork ; Odd ... .processing a package he cancelled two months prior. XX/XX/XXXX, after many complaints concerning this mortgage specialist, I was assigned a new specialist, who immediately stated he showed receiving no paperwork from me. All my paperwork is Priority Mailed to WF ; have receipts to show delivery. Forwarded all the latest paperwork to new specialist ; as of this date no responses to paperwork. XX/XX/XXXX, my home was put on the Foreclosure Auction Block without ( as of this date ) receiving any responses to my packages or updates. The last letter received from Wells Fargo concerning my requests for information was the same obtuse rhetoric and stating they were following all the guidelines set forth by CFRB.??????????????????
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

We purchased our home on XX/XX/2019, two weeks after purchasing our home and getting a loan through XXXX our home was transferred to LoanCare, A XXXX Company Attn : Mortgage Resolution ( XXXX. XXXX XXXX XXXX  XXXX, VA XXXX ). We have never received a statement or any documentation stating the account was going to this new company. We have never received a loan number, payment amount or any information stating what date our mortgage was even due. I contacted XXXX whom gave me the companies information. I then called LoanCare, A XXXX Company Attn : Mortgage Resolution ( XXXX. XXXX XXXX XXXX XXXX, VA XXXX ) and the rep. stated she would mail me a statement which never happened. I called again today XX/XX/2019 for them to tell me our loan is one month delinquent and the next payment is due tomorrow. I requested a supervisor and let her know that they never sent me anything and I can not make a payment until I have the paper documentation. She read me the address they have which is the correct street address but incorrect city and zip code. I t hen requested my past due payment be moved to the end of my home loan since this is NOT my mistake.. the woman said they will not do this. I requested her supervisor and have not heard back.
Consumer complaint received 2018-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Contacted three times by XXXX XXXX XXXX In California on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX about a debt with XXXX XXXX for my XXXX XXXX. I do not nor have I ever had an outstanding balance with this bank as shown in my statements and from contact with this bank. The customer service agent has a different address than mine. This is clearly not my account. I have asked several times for them to stop contacting me and do not want to via mail as I do not want them harassing me in person or with endless letters. I have blocked their number, but I have gotten calls from other numbers instead.
Consumer complaint received 2017-03-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (GA)

This car loan has been paid in full.. I have requested to be removed from my credit report but they have not done so. I have not received any response from this company. This has been showing on my credit report as current but the car loan has been paid in full and should have been sent to all XXXX credit reports to be removed from my credit. 
I have another car loan with them that is correct but this account should have been removed. They are not willing to help me at all and are not giving me any information whatsoever.