davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

This reverts back to a complaint from XXXX XXXX Case number : XXXX related to the settlement from a law suit with the federal government giving us up to a 41 % principle reduction Modification opportunity in which XXXX explained where the income they used to process our Modification of XXXX XXXX, that income information was provided by us back in XXXX. Since then my wife was forced to changed jobs as I was and our income was negatively impacted plus, the Social Security income they used was inaccurate by over a thousand dollars too high. This income for the XXXX 41 % principle reduction Modification was not provided by us in XXXX it was transferred from a XXXX Modification we had applied for. The reason we did not respond back to CFPB when we received XXXX 's response was, XXXX told us they would consider us for that 41 % principle reduction opportunity. We then started sending the required documentation and were at the final piece of documentation necessary to complete the package for review when XXXX sold our loan to Shell Point servicing a division of New Penn Financial, LLC effective XXXX/XXXX/XXXX. When we received that notice we attempted to get that final documentation sent to XXXX XXXX at XXXX, 3 times with no response from him or XXXX. Then on XXXX/XXXX/XXXX there is a Notice of Trustee Sale filed against our home at the XXXX XXXX XXXX XXXX Office with a scheduled sale date of XXXX/XXXX/XXXX by XXXX with the recorded copy mailed to XXXX XXXX in XXXX XXXX. Since the mortgage has been sold I have attempted to reach XXXX XXXX on XXXX different occasions with no call backs. ( I got the contact number on my own from searching on line! ) I have not gotten anything in the mail from them. On my first call I did get the loan number ( XXXX ) and I was told there is a sale date of XXXX/XXXX/XXXX in the file and that the loan was discharged in Bankruptcy, from the person answering/directing the calls, which is not true ... ..Only my wife filed Bankruptcy ... ..I did not file, she had personal financial issues she needed to resolve. We have not received a denial letter related to the Modification with XXXX, that was almost completed or anything except a Notice of Trustee Sale. We want to save our home and that 41 % Principle Reduction opportunity gave us that chance and now appears gone as is our home.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (UT)

I have never received a monthly mortgage statement from Dovenmuehle Mortgage. I have been with Dovenmuehle since 2012. I called them and demanded monthly statements and was told they do not send out monthly statements. This must be illegal. What can I do? Who can help me deal with this deceptive company? I need to report misconduct and poor business practise. I know this company has misused my money over the last four years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Consumer complaint received 2023-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certified Credit Reporting, Inc. (MI)

Certified credit reporting 3 inquires 2 of 3 date of inquiry XX/XX/2023 I did not give CCR permission to run a hard inquiry on my credit report I consider it fraud and wish for them to remove the hard inquiry on my credit report immediately.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> a withdrawal was made from my Wells Fargo checking account to an XXXX XXXX XXXX XXXXXXXX XXXX account ending in XXXX in the amount of XXXX. 
This was not an authorized transaction, nor do I have any affiliation with an XXXXXXXX XXXX XXXX XXXX  XXXX. 

I filed a fraud complaint with Wells Fargo on XX/XX/year>. Wells Frago states they investigated this transaction and it looked authorized on their end. They claim a transaction was completed on my computer. Wells Fargo denied my claim three times. 

On XX/XX/XXXX, I spoke with a representative from XXXX XXXX named XXXX ( she would not share her last name ), calling from number XXXX. She directed me to send " proof of authorization '' from Wells Fargo to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX PA XXXX. I sent all of my fraud claim information to this address. 

XXXX XXXX closed my compliant by stating they have no record of this transaction on XX/XX/year>. I have written proof from Wells Fargo that the transaction was issued from my account. Again, this transaction was never authorized by me. 

Thank you for your help, I can provide any other information or documents you may need.
Consumer complaint received 2022-09-04
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: EQUIFAX, INC. (NJ)

I recently sent a dispute to this agency and their investigation stated that these accounts are accurate. I have provided proof to show an accuracy reporting also under 15 USC 1681 604 A section 2 states no consumer reporting agency shall furnish a account without book assumer written instructions I did not give this consumer reporting agency written instructions I am requesting that you show my written instructions on file to furnish these accounts XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CA)

I tried to deposit my government issued check that I received from the XX/XX/XXXXXXXX rent relief program on XX/XX/year> and they returned the check stamped with " refer to maker. '' When I asked why, I wasn't given any reason as to why it was returned. I then called the number to stated on the check to verify it and the gentlemen told me that nothing shiuld be wrong with it. After that I called the program itself and they said the same thing.
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (LA)

I sent a letter on XX/XX/2022 to experian.however the credit bureau claims they completed the investigation and everything was accurate. 
According to the law 15 U.S. 1681a definition rules construction.the term investigate consumer report.means a consumer report or portion there for in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews.with neighbors and Friends or associates of the consumer report on or with others with whom he is acquainted or who may hav knowledge concerning any such items of information.how ever such information shall not include specific factual information on a consumer credit report obtained directly from a creditor or directly from a creditor of the consumer reporting agency.I would lik to kno who did they talk to.and how did they complete the investigation please.
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc. (AZ)

Seterus did my yearly Escrow Analysis on my mortgage on XXXX/XXXX/15 and am entitled to a refund of {$1000.00}. According to the Statement I received that refund was to be sent to me within 30 days. I have contacted them 3 times about the status of my refund and they lie to me, giving a specific week that they never meet and giving excuses. This is my money and they have no right to hold on to it. There must be some kind of law that they are breaking and I feel that they should be punished.
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (GA)

i received my mortgage statement today noting that my mortgage statement has been changed out of the blue from XXXX to XXXX effective XXXX XXXX. I am current waiting on my recast to reduce my mortgage. I do n't understand why is it so difficult to give me my recast, It is just unbelievable that I have been trying to get this simple reduction since XXXX XXXX. Please explain this monthly increase.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. 
XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015
Consumer complaint received 2020-11-02
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: FinCo Services Inc DBA Current (IN)

I have disputed a charged with Current Bank, whom I bank thru and have all my direct deposits through. There was a charge of XXXX on my account. I have disputed this with the company and also my bank. The bank has told me to send in documentation in regards to my money being put back in my account that was back in XXXX, I haven't received a letter, email, or call in regards to my money. The purchased was made XXXX, I talked to one of the reps she stated that nobody had signed for the product that was ordered which means it was just ordered and sent without verification, she stated it was made online. I have no receipt, nothing in the mail in regards to this unauthorized purchase. I cancelled my card right away and got a new one and I have yet to see my money. Both companies tell me to reach out to each other its been about 3 months and I'm not going to wait longer because they didn't wait to allow somebody to use my card online to order things. Fast forward to today XX/XX/XXXX, I had been reaching out several times with absolutely no response, this dispute had been opened since XX/XX/XXXX and they responded last week rejecting my money after stating I would get it back, they dont have a direct contact, nobody can give me any type of information, the actual company cant even tell me anything all they know is that my card was used online and the address was used but it wasnt delivered to my door, our mail here the mailmen or XXXX or any delivery carrier drops packages at the front office. There is absolutely no packages with my name on there. I want to know who signed for it because what company ships out over XXXX $ in merchandise and doesn't require a signature. and the name they used was a company name so I want my money refunded to me expeditiously the same way it was used to make the purchase.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I have disputed the information with Experian regarding XXXX XXXX XXXX and the incorrect status of my account. Experian did not reply, but when I attempted to dispute it again, it said that I could not because it had already been verified. I sent letters directly to XXXX XXXX XXXX and they have not responded with complete documentation either.
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NY)

There are 3 companies involved : 1 ) XXXX XXXX XXXX, 2 )  ERC ( phone # XXXX ), and 3 ) XXXX. This involves XXXX XXXX XXXX account # XXXX. 

I have previously had my identity stolen, filed a police report, and successfully had several fraudulent XXXX accounts opened at various addresses in the XXXX area expunged. 

XXXX initially contacted me in XX/XX/2017 about an XXXX XXXX XXXX account that was opened in my name, providing service to an address that I have never lived at. I told them it was fraud, gave them a copy of the police report, and sent me a " fraud packet '' which I was to mail back to XXXX XXXX XXXX ( I did ).  Simultenously, I disputed all of the debts with all 3 of  the credit reporting agencies, and all 3 of the XXXX XXXX XXXX debt from my credit history. 

I have never heard back from XXXX XXXX XXXX since then. 

However, today I received a new debt collection letter from " ERC, '' who had the same account assigned to them from XXXX XXXX XXXX. They stated they would re-file the debt with the credit reporting agencies in XXXX, despite me previously having sent my " fraud packet '' to XXXX XXXX XXXX and successfully disputing the account as fraud with the reporting agencies. 

This is getting tiring. Can you please contact the involved parties and make them stop? In addition to these letters, I still get daily debt collection cold calls that haven't gone away since XXXX first contacted me. 

Thank you for your help.
Consumer complaint received 2015-10-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (IL)

This is the second time I have been denied my cosigner release through Discover student loans. I have a good credit score of XXXX and I meet all of the requirements asked of them below and on the cosigner release application:1. Qualify for cosigner releaseTo have your cosigner released from your private student loan : Your loan must be a prior XXXX Loan that was purchased by Discover. 
You must be at least 18 years of age. 
You must be a US citizen or permanent resident. 
You must have made the required number of consecutive monthly payments on time. 
Use this chart to determine the number of required payments. 
Your gross monthly income must be at least {$1500.00}. 
You must have a satisfactory credit history and pass applicable credit criteriaI do n't believe that my application is receiving the attention that it deserves and Discover student loans is doing whatever they can to avoid honoring the cosigner release terms. 
I will attach my verification of income and the cosigner release document for your review. 

Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2017-03-16
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION (AL)

I arrived at BBVA Compass Bank on or around XXXX XXXX to apply for a home loan. I was greeted by XXXX XXXX. She asked me my financial situation. I told her. I also let her know that I do have rental houses in an XXXX, and they are not in my name. I was then asked to wait a few days so they can determine if I will qualify for the loan program. 

On XXXX XXXX I received an email from XXXX XXXX stating the following : -- -- -- -- -- Forwarded message -- -- -- -- -- From : " XXXX : XXXX XXXX, 2017 XXXX Subject : Question To : " XXXX ; Cc : XXXX just said as long as you do not reside in your rental ( s ) then you are completely eligible for the no PMI program we discussed. 

Sincerely, BBVA Compass XXXX Mortgage Lending - Mortgage Banking Officer Mobile : XXXX Fax : XXXX, AL XXXX I let her know that I do not reside in my rentals. She told me everything was good to go. I received a phone call about a week later stating the underwriters want to know why I am buying a {$90000.00} home and not a {$200000.00} home. She then requested for me to send her in writing why I am buying a {$90000.00} home. I wrote the letter and faxed it over to her. 
She called me a few days later and stated that the underwriters do n't believe that I am going to be using the home at XXXX as my primary residence and they denied me the loan. When I requested that information in writing for the basis of their decision, they sent me the explanation that is attached which is for review. 
The reasons they denied me have no ground, bc the State Tax Lien was put on my credit in error and I have letter from the director of the State of Alabama stating that, so they released the lien, but it still shows on my credit. The other reasons are completed inaccurate b/c I lived in my previous home for 9 years, owned multiple cars and trucks, and have loans in my name. They also stated that my account balance does n't exceed my credits, which is completely false again. My credit balances are around {$15000.00} give or take and my account balance is over {$23000.00}. 
After going back and forth with them over the past two days and trying to reach out to certain people over the phone, I sent an email to XXXX. I have also attached for your review showing the response and why I am being denied, which is based on their " guidelines '', which I have not received anything in writing that they are claiming is in the " guildelines ''. I have waited over 2 weeks for this loan to go through. Since then, the rates have gone up and I am being denied for a loan that I clearly qualify for.
Consumer complaint received 2015-10-13
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (UT)

I received a phone call from XXXX A lady name XXXX XXXX with XXXX XXXX XXXX treating me with jail time of 5 years if I do n't send her {$4100.00} by money gram then they had me running around town to a walmart and I was supposed to be in phone checking the them every minute if the phone call got disconnected I would be arrested. They demanded not to tell any one and send XXXX money grams to XXXX XXXX in TX for {$670.00} and XXXX XXXX in TX for {$600.00}. that was XX/XX/2015. Today XX/XX/2015 call me from another phone XXXX But my husband cussed them out and they stop. Now they stole from me {$1300.00} I was afraid for my life it was so disturbing. They yelled at me and it sound so real.
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OH)

I opened an account through XXXX 's website with American Express. I was promised a {$400.00} statement credit after 2-3 months and with a XXXX XXXX XXXX I did all this. I never received a statement credit. I had to call 5 times over 3-4 months before I was finally told I wasn't eligible because I had a prior acct with them. This account was years ago and I never made any purchases because AmEx couldn't get me the info to make the qualifying purchase ( a XXXX flight ) in time and thus I immediately closed it. Never made a purchase or received an award. So, I basically twice missed out on getting the advertised/promised reward. AmEx says I was told in the application process online that I was ineligible but I was not. I would never have opened the account. Additionally, if that was so obvious, why did no one tell me that on the first 3-4 phone calls. These practices are deceptive and designed to confuse consumers and keep them on the hook with their accounts open.
Consumer complaint received 2016-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (IN)

I have been trying to get Ncc business services to update my credit report since XX/XX/XXXX. I paid this account balance in full after jumping through hula-hoops and placed on hold several times with several different people due to their poor phone system if thats what you want to call it. I received my paid in full letter after a rep " lost " my front and back copy of the check i sent. I was happy. i have waited and waited and even talked to a XXXX supervisor who told me they were reporting the account as closed even though i see it has not! I have waited a month and this account is not showing as closed or paid. I am getting nowhere with this company! I have no clue how they are in business. Its so frustrating trying to do the right thing and the people who are supposed to be helping you dont even know what they are doing. I have called multiple times to get this corrected and each month it doesnt happen.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-01-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (MO)

This company purchased a rental property in the middle of a lease and think they can charge me for 10+years old carpet that was due to be replaced at no expense to me by the previous owner. Under no circumstance am I responsible for this debt. It should be removed asap. The collections agency calls all hours of the day interrupting my sleep because I work nights and when I answer their is seldom someone on the line
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I have been having problem with XXXX since XX/XX/XXXX for repoerting wrong information. 
we have no Valid contract Since XXXX changed terms of my contract monthly paymentwithout my knowledge. wrongfully repossessed the car XX/XX/XXXX. First Delinquencywas on XX/XX/XXXX. The past XXXX years I have uploaded the contract and the monthlypayment history showing the last payment date as proof to equifax but Equifax has failedto look at the document and make correction to my credit file. Since it is over XXXX years and there is no valid contract and equifax not follwing the law. I want this account be removed from mycredit file. Old and we have no cotract that I signed