davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I am a widow who has owned her home since XXXX and made mortgage payments faithfully for over 20 years. Due to a job layoff after 38 years in my field and the death of my husband I went through a tremendous hardship. As things were falling apart financially for me I reached out to my mortgage lender Wells Fargo in hopes that they would help me get back on my feet with a modification or restructuring of my loan. However, I was shocked when they told me they would work with me but I needed to give them an ADVANCE FEE OF {$7000.00} in order to get Wells Fargo to review for assistance. I have since found out that this is very unusual and not the normal protocol. I could not come up with these funds and fell further behind and at that time Wells Fargo finally allowed me to be reviewed for assistance programs. However, this was not very productive, the communication was terrible, there was no assigned manager to my account and I had to send the same papers over and over to Wells Fargo yet they still seemed to misplace them. Now I am facing a foreclosure sale date later this month. I ca n't believe this is happening to me. 
These issues began in XXXX when my husband passed away from a XXXX XXXX. About a year later I was laid off from my position as an XXXX after 38 years in that field. Everything happened all at once and I was overwhelmed and I could not keep up with my mortgage payment. I reached out to the agents at Wells Fargo in an attempt to get some relief. However, instead of offering an option that would actually help me save my home ( especially considering that there was only 5 years left on the term ) I was told I MUST provide a large lump sum upfront fee ( {$7000.00} ) in order to even be CONSIDERED for a modification. I have been told that this is typically not a condition of a modification review so I am not sure what program the agents at Wells Fargo were looking at and what options were considered. I continued to follow up with Wells Fargo and as mentioned before, now that I was further behind I was told that I could apply for a loan modification. I prepared the documents and submitted them to Wells Fargo, but the communication was bad and it was hard to move the process forward. I did not have a single dedicated contact assigned to help and it seemed that no matter how many times I provided the paperwork it was never enough Now I have a sale date coming up this month and I am besides myself over this situation. It is not right to foreclose on a widow who has paid on her mortgage for over 20 years. I am back to work and making a decent living and I feel It is not right to deny access to government programs that could have fixed this issue two years ago because Wells Fargo wanted to ignore guidelines and demand a {$7000.00} down payment out of me. It is not right to take {$30.00} billion dollars from the taxpayers as part of a bailout and then refuse to work with the homeowners who need this help.
Consumer complaint received 2021-01-19
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)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2024-02-24
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: EQUIFAX, INC. (CA)

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me.

According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer
Consumer complaint received 2021-01-24
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: Experian Information Solutions Inc. (NY)

Multiple soft inquires for insurance companies, credit agencies, phone companies, & security companies I never made appear on one or more of my credit reports. Multiple incorrect addresses, land line and cell phone numbers belonging to other people and a phone loan I was never notified of, given a contact for or signed for in the amount of several hundred dollars also appear. I requested correct information for all updates and changes and although I now received all these new reports from all 3 bureaus ( 3 from Experian and 2 from XXXX ) I am still seeing the same incorrect telephone numbers ( not mine but still attached to my social security number ). I contacted all the companies repeatedly and they said to contact the credit agencies and the credit agencies told me to contact them. I did BOTH, hundreds of times. I need the cell phone numbers not belonging to me removed because I believe my stalkers has access to them and I have a restraining order. Please help. I've tried everything. I called, wrote letters, requested new reports, complained to XXXX ... BUT this false information STILL remains on all my credit reports. It's not just effecting my credit, it's effecting my health and well being.
Consumer complaint received 2015-06-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC (TN)

Currently we have a XXXX Debt to XXXX XXXX XXXX XXXX, and paying bill monthly. Have taken debt from XXXX to {$1000.00} since XXXX 2015. I have not had any indication that my debt had been sold to a third party until today after receiving a hostile phone call from XXXX from XXXX. He said that he was filing a complaint against our credit score for not paying a debt. I told him the amount was wrong, and I have n't received a bill from the new company. He said that did n't matter, I needed to pay immediately. He also said that I had to call the Hospital to get the receipts of my payment. I told him he should have gotten the correct amount and sent me a bill explaining this new process. 

I also know that if we are making payments on Medical Bills, we should not be sent to collections. He was threatening, unprofessional, and could n't even get his point across.
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Our new loan servicer has arbitrarily altered the terms of our HAMP Loan Modification by failing to accurately report our deferred interest which is a fundamental part of the written contract between us and our prior loan owner XXXX.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

hello i XXXX like to state i XXXX XXXX pay my bills on time i have all my bill confirmation and receipts and there are false errors in my credit report making my credit bad never had a credit card or been in any type of dept i would like my credit score to be investigated i feel its to low for the bills that i payed off my info XXXX XXXX XX/XX/1986 XXXX XXXX Address XXXX XXXX XXXX i would like to file suit for Defamation of Character XXXX XXXX XXXX and transunion have not giving me my correct credit score i would like it to be fix i should be allowed monetary compensation under the XXXX act i have lost assets do to this false credit report the next complaint about my false credit errors goes fedreal trade commission
Consumer complaint received 2015-05-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

I just realized I 've been charged for years for a monthly add on package service which allows for free money orders and cashier 's checks. It would have been more advantageous to pay for the service as needed. On several occasions when I 've called for other issues Wells Fargo has taken the opportunity to offer available services ... .never addressing me not getting the full benefit of the add on an suggesting removal. I find it disappointing Wells Fargo offered NO compensation for years of oversight. They just stated my responsibility.
Consumer complaint received 2020-11-24
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Dovenmuehle Mortgage, Inc. (FL)

Dovenmuehle/DHI has violated my rights under 15 USC 1692. 15 USC 1692a ( 6 ) states what a " debt collector '' is and Dovenmuehle and DHI both fall under this statue. Amongst more violations, Pursuant to 15 USC 1692e. ( 11 ), Dovenmuehle and DHI failed to disclosed in the initial written communication with the consumer that they ( debt collectors ) were attempting to collect a debt and any information obtained will be used for that purpose.
Consumer complaint received 2019-02-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: H. Kent Hollins, Attorney at Law, P.A (KS)

It is for an old bank account and the debt is {$440.00}. I have been told to appear at a show cause hearing. I have told the company I cant make it to the court hearing due to health reasons and as well as Im on XXXX and limited on funds. I have set up a payment arrangement with the company however they still want me to appear in court. I have only been sent the letter for court in the mail and not properly served by a sheriffs office. The court date is in another county and I live 3 hours away from that court. The agency is XXXX XXXX XXXX and they have not been understanding of my situation. They have stated even if on a pay arrangement and I dont attend the court date that further legal action will continue or bench warrant issued
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo is denying my request for loan modification. Affordability was an issue and the fact the loan was owned by private investors. 
I currently have an estimated balance of {$100000.00}. I would like to submit a payment for {$55000.00} and request the balance be modified with a 30 years mortgage payment. 
Over the last eighteen months I had asked at least XXXX times for a modification and they had denied with the excuse of affordability. However, I feel their lock of cooperation, had a sole purpose of rip-us-off of our equity, our health and our memories. My loan increase from {$72000.00} to {$100000.00} ( estimated only ) and is on the rise every day. I want to settle this off. I even offer to pay off the {$72000.00} initial balance and call the loan paid off. They just do not care but to take my home away from me and my family.
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

My account with XXXX XXXX is paid completely and closed in XXXX of 2013. As of now the account sits on the credit report as in collection and a separate collection agency for the account is there too which is ruining my credit and score. I disputed the item with all XXXX credit agencies but got no where. I am attaching all document for your information.
Consumer complaint received 2020-09-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (AR)

I was pressured into buying my car and don't even recall signing loan papers, neither does my mother and she was with me. I have asked for the loan agreement several times but have yet to receive my loan agreement. 

SANTANDER also falsified information to the credit bureau just days before a decision was made on a {$550.00} XXXX dollar class-action lawsuit which makes it appear as if I don't qualify for a loan forgiveness option when I do. *On XX/XX/XXXX, Santander reported to the credit bureau that I was current on all of my payments for XXXX when in fact I had missed XXXX and XX/XX/XXXX. **  According to the lawsuit, Santander is required to either buy back the vehicle or give loan forgiveness to those who have been extended a subprime loan AND have defaulted before XX/XX/XXXX. If you look at my credit reports, it shows that I did NOT miss any payments with Santander but I have statements that prove I wasn't able to pay anything. 

They have also charged hidden fees and miscalculated interest payments so that nothing has been paid towards the principal in 2 years.
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX, 2016 and again on XXXX XXXX, 2016, I sent Wells Fargo " Requests for Information '' ( RFI ) and " Notices of Error '' ( NOE ). 
Wells Fargo did not comply with my inquires and sent me XXXX letters delaying the reply. 
It has been over 120 days from the first RFI NOE and 60 days from the second NOE.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (AZ)

I can not sign into my online account so that I may manage my credit card account. I have called the credit card companies Customer Service department many times in the last 2 months and my issue is still not resolved and they will not give me any kind of timeline in which it will be resolved or what they will do to resolve the issue. I do not feel safe using my credit card if I can not track my account online myself.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX, I came into an agreement to have my backyard done by XXXX XXXX XXXX. XXXX XXXX, the owner, advised that he could offer me better price than those out there for the same service. He advised the deposit was {$4700.00}, but I told him my husband and I will pay in portions since we were paying by XXXX for tracking purposes. XXXX - {$1000.00} XXXX - {$2000.00} XXXX - {$1700.00} My husband and I have reached out many times via calling/texts. He even started our backyard but did not finish and definitely has not communicated with us on the balance of the work. We have endless texts to him where he made promised, but nothing. We asked for a refund on XXXX, he advised he will give it to us on XXXX. Never heard from him. My husband and I kept calling him to find out when we are getting our refund. He said he would give it to us on XXXX. He has not answered any calls/texts. 

Bank of America won't return funds because was done through XXXX  however I feel like that's not fair. XXXX should have the same securities as a credit card.
Consumer complaint received 2016-10-02
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (IL)

I traded my car in on XX/XX/2016. Ally reported that I missed payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. For the past three months I have been trying to work with them and XXXX XXXX XXXX to get this corrected. However, they have not made the correction to my credit report.
Consumer complaint received 2024-02-24
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. (FL)

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. 

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, has violated my rights. 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 information is inaccurate.
Consumer complaint received 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I have spent 40+ hrs with PennyMac escrow team working to get updated tax payment amounts, interim tax payments, and updated assessment from the county. I have sent them documents from the county, created XXXX spreadsheets with all the relevant information, and spent hours on the phone with their reps. 

Multiple times I have given explicit payment instructions and they have just ignored them. Depending who answers the phone they could be average help or completely incompetent at their job. 

I explicitly told them I would like a tax payment made in XXXX when it is due. They went ahead and paid it in XXXX. I called the day after the payment was made to have it cancelled and returned. The rep only put a note in to pay in XXXX with no action item to have the payment returned as I requested. 

I spoke to a manager once and was able to get a lot of these issues fixed, he was at least able to make changes immediately. Otherwise every response is I have to put a ticket in and it will take x business days to complete. Unfortunately, the phone number he gave went out of service and every time I called and asked for him he ignored my call and never reached out. When I said the extension did not work they blew me off again saying that was the correct number. 

I can't even begin to describe how frustrating it is to have a company hold so much of your money and have zero control. Not only that trying to work with them to create a plan is useless because they just ignore the instructions.
Consumer complaint received 2023-03-22
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. (WI)

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the negative information that appears on my credit report, as required by the Fair Credit Reporting Act ( FCRA ) section 611. 

There are several items on my report that are inaccurate and should be removed immediately to ensure the accuracy of my credit report. These items include : The name XXXX XXXX XXXX, which does not belong to me, is listed on my report. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The following addresses are listed on my report that do not belong to me : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The employer XXXX XXXXXXXX XXXX is listed on my report, but I have never been employed by this company. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

Several accounts on my report, including DEPT OF EDXXXX ( account numbers XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), have payment histories even though they have been charged off. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The account with XXXX XXXX XXXX ( account number XXXX ) has inaccurate information regarding payment status, balance, comments, payment history, and account number. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

I request that these items be deleted from my report immediately in compliance with the FCRA. I also request that you provide me with a free copy of my credit report, as required by FCRA section 612. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.