davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY (TX)

I entered into a loan modification process with Wells Fargo in XXXX which they drew out until XXXX of XXXX before closing the process as " unsuccessful '' due to not being able to clear title. This was done without notice to me and WF was the sole purpose why the title couldn't be cleared. I filled a complaint with CFPB in XX/XX/XXXX and WF sold or transferred my mortgage to XXXX XXXX who now states that I'm in default due to being over 2 years behind in my mortgage when they just got it in XXXX. I will be homeless before anyone is forced to account for these actions. 
The only reason WF took two years to not clear the title is because they refused to obtain a copy of the current title from the county and state and refused to send me an affidavit of heirship thus profiting from their own failure.
Consumer complaint received 2022-03-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

My 2nd home mortgage for Citizens ( loan # XXXX ) matured on XX/XX/2022. The payoff amount of {$25000.00} is due in full and I am in able to pay it. I have requested advice and assistance on 6 -7 different phone calls to loss mitigation as well as loan refinancing departments. I have been told on 5 phone conversations that they would mail me a packet to fill out and they never have. I have also been told that my credit wouldnt be affected during this time, but it has. I have continued to make the monthly payments to Citizens and they keep returning them. I do not need payment assistance. I simply need for someone at Citizens to send my the information to fill out so I can modify this loan. So far I keep being transferred and hung up on and nobody seems to know what to do. Please help! 

Thank you for your time, XXXX XXXX
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX   XXXX   XXXX  Has been reporting since  XXXX  an account for the  XXXX   XXXX   XXXX  over a payment that was between my insurance and the billing department of the clinic. The Clinic was in dispute with the billing company due to over payment and improper billing. When this issue was resolved I received documentation from my insurance company, forwarding a copy to   XXXX   XXXX   to have this removed from my credit report since it was not directly my fault. Instead it was not properly removed by all reporting agencies and updated with TransUnion on  XXXX / XXXX / XXXX .     I was advised this morning that this is still active and not deleted.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

We are current customers of  Santander Bank with a HARP mortgage. We have an adjustable credit rate so we wanted to refinance to get a lower, locked in rate. We began the process with Santander because they are already our mortgage holders so we do n't need to go through as many steps. We began the process. We are having an issue current  ly with our credit score. We check our own credit scores and they are in the   XXXX   XXXX   and   XXXX   XXXX  , ( wife and husband, respectively ). However, when Santander pulls out credit they are showing a median credit score  of  XXXX . When asked what bureau they are pulling from, they answered that they have a third party who gives them a different number. This is completely and totally unfair. With their number, we have to pay a higher interest rate, so they make more money over the course of the loan.  With the   XXXX   XXXX   XXXX   numbers,  we would be in the highest tier, thus lowering their overall payout on the loan. This should be illegal. Consumers who are careful with their credit, who monitor their credit scores, and still end up getting the shaft because of a made up system by a bank. Please help.
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

On XX/XX/2021 Phoenix Financial Services, LLC signed for a certified piece of mail containing a debt verification letter to verify my debt in which they were given 30 days written only to respond. It is XX/XX/2021 and Ive not received anything from the collection company. This debt is invalid because they can not prove it.
Consumer complaint received 2021-06-30
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number  : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX PA Account Number : XXXX This is not mine.
Consumer complaint received 2018-02-05
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. (CA)

After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was car jacked in XXXX on my way to XXXX, XXXX to start a new job with the State of XXXX.on XX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in XX/XX/XXXX
Consumer complaint received 2016-01-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (TX)

my identity was stolen and i have notified GM financial, they have failed to remove the account off my credit profile, .. 
i was told the the car was repossessed in XXXX ... well i live in XXXX this account is as a result of identity theft and was not opened by me. 

GM Financial collectors call to make illegal threats.. these are against FTC rules . i have furnished them with notarized statements & police reports .. even court papers but they refuse to remove their false negative reporting also this account was included in bakruptcy and should have been removed anyway
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Turning Point Solutions LLC (IN)

I keep getting calls from ADVANCE CAPITAL SOLUTIONS regarding a debt NOT IN MY NAME. They keep mentioning in voicemail the message is for XXXX. I dont know anyone by that name! They have been calling me for months now. Dozens of times per day. I have spoken with someone there numerous times and told them they have the wrong number. Stop calling. I have since had to pay for a call blocking service on my phone. Now they are getting around that! Today alone, Ive received 26 calls between a 6-hour timespan, sometimes 2 or 3 within a minute or less. They are spoofing other peoples phone numbers, because Ive called a few back which appeared to be local, and they were elderly people I didnt know, who hadnt been on the phone. The calls appear to come from a different number, and when they leave a voicemail, its instead XXXX, extension XXXX. Please issue a CEASE AND DESIST to them IMMEDIATELY.
Consumer complaint received 2018-02-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

I am responding to New American Funding and to XXXX XXXX XXXX, XXXX XXXX, Loan Administration. Unfortunately, New American Funding and XXXX XXXX claim is INCORRECT and the explanation provided has latent factors that are awry. Aforementioned in my original complaint filed on XX/XX/XXXX, aligns with the latest filing on XX/XX/XXXX. The request for PMI removal had required list of criteria that is outlined under the Homeowners Protection Act of XX/XX/XXXX. Those specific factors have been met and qualify for PMI removal. In addition, New American Funding requested a FORMAL WRITTEN REQUEST FOR PMI REMOVAL as I conterminously complied. However, New American Funding back trailed and asked to repeat considerations that had been acquired from the beginning. IN FACT, I have complied with those ALL steps for removing PMI. FIRST, XXXX XXXX failed to mention that during the process of New American Funding obtaining an Appraiser the Appraiser FAILED TO COMPLY with all property appraisal requirements and therefore, left out much preeminent factors to fairly appraise my property. FURTHERMORE, I find it peculiar that New American Funding chooses their own Appraiser and/or an Appraiser rather than selecting a third party that is conterminous with ALL PARTIES INVOLVED and remains a neutral disposition! Albeit, my property DID NOT HAVE A FAIR AND LEGAL ASSESSMENT as THEIR APPRAISER, New American Funding and XXXX XXXX FAILED TO RECOGNIZE the UPGRADES OF MY PROPERTY that would have CLEARLY met ALL REQUIREMENTS AT THE TIME. When I originally performed a public, market analysis of the property in XX/XX/XXXX, property value significantly increase to over 22 % and from XX/XX/XXXX. As the market value fluctuates, overall the home prices are increasing in valuation that impacts the specific criteria requirements. SECONDLY, in my original complaint with New American Funding I had proven that New American Funding had intentionally made delays for what appeared to be ulterior motives thereof. As with any considerations to PMI removal, the Homeowners Protection Act of XX/XX/XXXX recognizes fluctuations within the market in general. With that said, during the request for the removal of PMI and its process requires dedicated timelines outlined under the Homeowners Protection Act of XX/XX/XXXX. HENCE, from the beginning and as I ingeminate once again, in an effort to conterminously operate on a FAIR AND NEUTRAL ground, I am asking that I choose a third party to represent a choice in selection of a certified, licensed Property Appraiser to perform and conduct a fair assessment valuation for consideration of this matter thereof and, hereof! Since my request, it appears that New American Funding is failing to GRANT any parity and work together conterminously.
Consumer complaint received 2017-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

There are 2 public records from Wisconsin Child Support reporting to all 3 credit reports as paid. Under the new law as of XX/XX/XXXX paid judgements, tax liens and public records are to be removed. Docket # XXXX was paid in XX/XX/XXXX. Docket # XXXX was paid in XX/XX/XXXX. I disputed with Equifax and XXXX XXXX to update these items has paid. Please remove these public records from all 3 credit bureaus.
Consumer complaint received 2018-01-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (VA)

I requested for XXXX XXXX XXXX to validate NOT verify a debt that they are attempting to collect from me. They provided me with billing statements from another company which does not validate that I am obligated to pay anything to the above company. I do not have a signed contract between myself and XXXX XXXX XXXX and I have not given the above company the consent to contact me in regards to my account. They have reported incorrect delinquent information to the credit bureaus. The debt owned to this company is not valid and therefore I am requesting for this debt to be removed from my credit report.
Consumer complaint received 2018-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (OH)

Company is calling me in an attempt to reach my brother. I do not have any debts myself that they are trying to collect. 

Several weeks ago, I answered one of their calls ( after they kept trying repeatedly ), and I told them I had no information for them, and that I didn't have a better way for them to contact my brother. I asked them to stop calling me at any of my phone numbers, as I would be of no help to them. 

They have since attempted to call me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I'm guessing they will try again today, XX/XX/XXXX ). In short, they're harassing me about a debt that I do not owe in an attempt to reach one of my relatives when they've already been told that I have no additional contact information for him.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

There are nu merous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in two letters, one fax, and  called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is : The  XXXX   XXXX   XXXX   My Name is  XXXX   XXXX   XXXX  my name was legally changed due to marriage on  XXXX / XXXX /  XXXX  .
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

On  XXXX / XXXX / XXXX  I sent a certified letter to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX  regardin g one   XXXX   XXXX   XXXX  account (  XXXX  ) for  XXXX  $ to validate the the debt and all information regarding the debt, they never answer my certified letter but they are keeping the false information in the credit bureau.   Beside of th at I want to inform that the same debt was already dispute with Southwest Credit and fully de leted on  XXXX / XXXX / XXXX
Consumer complaint received 2018-01-25
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: EQUIFAX, INC. (FL)

The referenced accounts have been reporting on my consumer credit file in error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a card and letter in the mail XX/XX/XXXX stating I was pre-approved for a Credit Card with Capitol One, I automatically shredded the document and checked my XXXX XXXX to see there was a hard inquiry for an application with them on XX/XX/XXXX. I 've never applied for this card or company - I am also dealing with Identity Theft with another card/loan company as well. 

Also had issues in the past with this. What should I do? 

XXXX XXXX Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (SC)

I opened up a case with the the Consumer Financial Protections Bureau case # ( XXXX ) Wells Fargo issued a provisional credit to my account on XX/XX/2022 and on XX/XX/2022 Wells Fargo withdrew this provisional credit without providing any warning and or proof of evidence regarding the case in question. I have received no notification that this was to take place or evidence showing why my claim was denied. 

I have requested proof that Wells Fargo was not directly responsible for defrauding me of my money in the 1st place. I was defrauded when Wells Fargo reached out to me asking me if I verified a charge. I answered no to this question, an got a phone call shortly their after and was asked the normal vetting questions and then asked by the Wells Fargo representative to secure my account from an active threat. Over {$3000.00} was stolen out of my account...
Consumer complaint received 2020-04-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-03-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (IL)

On XX/XX/2021 I refinanced my current mortgage with New Rez. After the closing, a few weeks later the title company sent a check in the amount of XXXX to both XXXX ( my home owners insurance company ) and Illinois Dept. of Insurance ( I have no idea who these people are ). So IL Dept. of Insurance forwarded the check to XXXX because they had no idea what is was or who it was from. And the amount was incorrect. My actual home owners premium is XXXX. I reached out to New Rez since they told me I had to use this title company and explained the issue. They told me it wasn't there problem and I had to call the title company to resolve the issue. Well, I tried that multiple times and the title company does not answer calls or return my messages. I then called New Rez back and ask them why am I calling, they were the ones who chose the title company. No response since. I need answers! This I my money they are throwing around and now its just sitting with XXXX waiting for direction.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY (PA)

I have been busy since my mothers XXXX & TD BANK was was where I initially had problems YET ON MY APP GOR CREDIT credit bureau reads, ... contact TD Bank ... wow!!! TD Bank lied, conducted obviously blatant unethical Federal Banking slaws of SEC ( I didnt know to put a FRAUD alert upon my moms XXXX!? Therefore, XXXX XXXX was determined a fraudulent signature but TD Bank said the I DEPOSITED THE CHECK THERE???? Lie I never banked there but the incriminate of money that was suppose to be directly deposited there..!!!?! 
XXXX XXXX XXXX said I m denied credit and must call TD Bank!!!!!! 
They are spiteful & here I thought a Bank!!!?!
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (IL)

I am filing a complaint against Experian for not resolving a disputed collection account on my credit report. This account is linked to my former residence XXXX XXXX XXXX XXXX. This debt was incorrectly reported to collections. I have provided Experian with evidence of paid dues and requested proof of any outstanding debt from the collection agency, XXXX XXXX XXXX, but have not received any substantial response or proof. This incorrect reporting has adversely affected my credit score and caused significant distress. I request the CFPB 's assistance in removing this erroneous collection account from my credit report and obtaining a corrected report from Experian, along with written confirmation of the resolution.