davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I applied for request for payment assistance from Wells Fargo Home Mortgage and was denied due to a processor, XXXX ( XXXX ), refusal to enter our financial information into the system so that it could be reviewed by an underwriter. XXXX stated that a colleague had reviewed the information and determined that we would not be eligible for any type of repayment assistance or any assistance at all to keep our home. I asked him on several occasions to please put our information into the system, and he refused. XXXX also stated that Wells Fargo would not be sending me any written correspondence stating that we were denied for any type of assistance.
Consumer complaint received 2015-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Monarch Recovery Holdings, Inc. (MN)

I received a billing statement stating I owe a debt for {$290.00} for creditor XXXX XXXX. The debt do not belong to me and is a fraudulent account. I am a victim of identity theft.
Consumer complaint received 2015-07-13
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (AE)

PHH Mortgage has refused to process my application for Loss Mitigation in a timely matter thus allowing the home to go into an 'active foreclosure ' status. Being an XXXX Servicemember XXXX, PHH sends only correspondance via traditional mail then claims I do not reply in a timely manner. It takes 3 weeks for mail to get XXXX. I have given them my email over and over but they only refuse to speak thru official mail.
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

After becoming more educated with my finances, I ran my credit report for the first time for the purpose of reviewing the accounts back in XXXX XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, one of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX acount stood out because it showed the date of last payment was in XXXX and the account was opened in XXXX. This was schedulded to be removed from my credit report on XXXX XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in XXXX. The response I got was in XXXX and not able to undertand what the letter said, I sent them a second request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to Experian, XXXX, and XXXX however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am 100 % I made no payment in XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both Experian and XXXX have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The second account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state of XXXX and was attending XXXX XXXX. It makes no sense how I could go open a utility account if I did not live in the state of XXXX. After 2 request nothing has been done to investigate these accounts. Please request a throrough invesigation, I suffer from XXXX these companies have caused me have effected XXXX, I 've spent large amounts of money sending certified and expedited mail the last 2 months with no results. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2015-10-21
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (MI)

Rush card has not been letting me access my money since XXXX XXXX, 2015. My direct deposits have been delayed and I am unable to reach anyone from customer service. I am unable to get to work or get my children to school. Once again for the 2nd week I am unable to access my money.
Consumer complaint received 2016-03-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

Navient has hidden that the private loan it is trying to collect can be discharged via a private student loan discharge application. Background : Around 2012, the Borrower, ( XXXX XXXX ) was XXXX or XXXX with a XXXX. She wanted to attend a for-profit culinary school. The tuition was so high that her federal loans and grants did not cover it. The school said XXXX XXXX should take out a private loan. But neither she nor her mother had good credit. Subsequently, XXXX XXXX, a friend of the mother of XXXX XXXX, co-signed the private loan. 
Fast forward a few years. XXXX XXXX was unemployed for many months but eventually found employment driving a truck at the airport for which she earns {$11.00} an hour or about $ XXXX a year. XXXX XXXX has been having trouble paying her private student loan. Now that she is employed, she is willing to pay {$100.00} a month towards the loan. That is over 25 % of her discretionary income, as defined by the federal government in its income driven repayment plans. 
Navient is the servicer/collector calling the borrower on the her defaulted private loan ( which now amounts to {$19000.00}. ) Navient will not accept the {$100.00}. This is why. Navient has been calling both XXXX XXXX and the co-signer. But XXXX XXXX has XXXX and gets XXXX by the calls. XXXX XXXX is not in any position to pay the debt of XXXX XXXX as she is XXXX and unemployed. The husband of XXXX XXXX has informed Navient 's caller, a XXXX XXXX, that XXXX XXXX is very ill due to XXXX and that the calls are upsetting her. Rather than advise XXXX XXXX and her husband that the co-signer 's obligation can be forgiven due to her XXXX ( if she applies and qualifies ), the Navient caller has continued calling the co-signer, thereby increasing her distress. In turn, the husband and the Navient caller have been pressuring XXXX XXXX and her mother to make a lump sum payment of {$4000.00} to get XXXX XXXX off the loan. So XXXX are XXXX XXXX and her mother about the predicament and distress the loan has inflicted upon XXXX XXXX that they have asked a family friend to take an early withdrawal from her retirement account ( and incur a stiff penalty for doing so. ) However, the family friend can not do so due to earlier withdrawals already. Navient 's caller has been told this and still is using the distress of the co-signer as leverage to get the {$4000.00} lump sum payment. 
Several months into this ordeal, the borrower and her mother went to an elected official who in turn contacted a free lawyer. With the lawyer 's advice, the husband of XXXX XXXX asked Navient if she could file a XXXX application to get off the loan. The Navient representative, who knew all about the co-signer 's XXXX, said yes. When asked why the Navient representative had not told him earlier, no answer was given.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I am writing this complaint regarding late payments with XX/XX/XXXX. There are late payments being furnished on my consumer reports that are incorrect. I was never late regarding this account. I am requesting that these late payments be removed. I have already called XXXX XXXX to confirm this to be true. It is in fact an error. I was told to dispute it with the consumer reporting agencies. The late payments are an error. 15 USC 1666 BILLING ERROR.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I am a XXXX Veteran that is trying to purchase a loan. XXXX trade line with Experian shows an " Account In Dispute '' for XXXX. I called Experian to get this removed because the XXXX system would not accept my loan application. Experian told me after many phone calls that I would have to contact the creditor. Experian said they will not remove the Account In Dispute Comment for accounts on collections that are over {$500.00}. This allows the creditor an opportunity to force a payment on the account. Even though the account is no longer in dispute. Here is what happens. 
-Individual disputes unknown item on their credit report-Experian sends the dispute to the creditor ( collection agency ) -Collection agency does not have to supply any proof, only respond back that the account is legitimate and the add " Account In Dispute in the comments '' -Several months pass and individual wants to buy a home and the XXXX system kicks it back. 
-Needing a home loan Experian uses that leverage to force the individual to contact the creditor and negotiate getting Accoint In Dispute removed. 
Essentially individuals are required to pay accounts that they believe are fraudulent under duress of needing a home loan.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX Responsibilities of furnishers of information to consumer reporting agencies. 

Section ( F ) reporting information during XXXX pandemic ( i ) Definition in this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX. 

Covered period The term Covered Period means the period beginning on XX/XX/2020 and ending on the later of___ 120 days after XX/XX/2020 ; or later or 120 days after the date on which the National Emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/2020 under the National Emergencies XXXX ( XXXX U.S.C. XXXX et seq. ) Terminates.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/XXXX, I successfully completed a chapter XXXX and was XXXX. After XXXX years of stalling and going round and round with Wells Fargo XXXX late in XX/XX/XXXX, there was finally a workout plan which I accepted. I asked for full disclosure of all obligations that I would incur. Some were provided. Again in XX/XX/XXXX, I repeatedly asked for full disclosure of any and all obligations that would incur as well as a full detail of all forgiveness amounts. What was provided was not what I or my tax adviser requested. Related : Case number : XXXX Now I have received a XXXX showing " other income '' in the amount of {$1300.00}. 
I called. I was told it was a refund of late charges assessed prior to my entering bankruptcy ( in XX/XX/XXXX ) that had been credited to my account -- and never disclosed. 

So now, I have a tax liability that I was n't expecting for income that I do n't know anything about because this was never disclosed. 

First, I asked for a detailed accounting of all amounts that might or would be forgiven in the workout. That detailed accounting was NEVER provided. And now I have 'surprise ' income that I did n't actually receive and was never disclosed. 

Second, 'surprising ' this XXXX year old XXXX with what may turn out to become a problem with my taxes is wrong. 

Third, the representative I spoke with at first wanted to explain what a XXXX was and wanted me to read the teeny-weeny-tiny print on the form. I ca n't. It 's too small for my old eyes even with my bifocals. She also mentioned something about the amount showing on my statement. I do n't know if that 's true or not -- the XXXX point maybe XXXX point print size ( teeny tiny ) on those statements requires I use a magnifying glass to read. Wells Fargo should have sent a proper notification letter, not buried this 'surprise ' in small print XXXX or XXXX point size and waited until AFTER the end of the year to dump this on me. 

Other than filing this complaint to alert the public to their ongoing sneaky practices, there is n't much that can be done about the XXXX. It 's already been sent. The IRS will expect me to pay taxes on it. 

The disclosures and teeny-tiny-fine print are another matter. They are supposed to have clear, readable type and plain language on the forms, statements, and to clearly disclose what the amounts are. They do n't. 

I should not have to ask someone else to read my statements or buy a magnifying glass because the print is deliberately too small for a person with normal vision let alone someone who has to wear custom reading glasses.
Consumer complaint received 2016-01-04
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Credit Central Holdings, LLC (SC)

I received a call on my cell phone voicemail that stated that person name is XXXX which is the manager she stated that they had gone to court and that if I want to resolve this I could come into the office so they could collect the collateral or if not they would be at my house today with a locksmith in the constable which I felt was uncalled for I know that they can not do this and I feel like they are harassing me in this matter
Consumer complaint received 2022-02-12
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING LLC placed an incorrect credit information to  XXXX .   If they can provide any paper signed by me, I 'll upload/send my driver license for your investigators to compare the signatures.
Consumer complaint received 2017-05-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Navient has been calling me for approximately the past  XXXX  months at least   XXXX   times a day starting at  XXXX  to about  XXXX .   I have tried to work out many options to repay my loan. They have told me I make too much and that I owe { XXXX } a month and they can not lower it. Then I spoke with someone else and they told me if I want lower payments I need to submit my bank statements. Then I spoke with someone else at the end of  XXXX  who said that he can get me to repay { XXXX } every  XXXX  weeks for the   XXXX   XXXX   months to catch up on the money I owe and then the payments would drop to {  XXXX  } every  XXXX  weeks. Well,   XXXX   days later navient is calling me again and telling me there is no such repayment and I owe { XXXX } a month. They told me they will take { XXXX } every  XXXX  weeks but it wo n't get me out of collections. I said that is all I can afford. I have other loans too which they want { XXXX } a  XXXX . I also have a child and a baby on the way. They told me since the baby is n't born they ca n't take into account that I have to pay for diapers formula and wipes and that the baby needs things before it 's born. They are unfairly harrassing when I am agreeing to pay { XXXX } every  XXXX  weeks but they are telling me I 'll still be in collections. Please help they need to be stopped.
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (NJ)

the account XXXX for XXXX is unknown to me, also the the account XXXX XXXX XXXX is clear violation of 104-91 HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-04-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I had a vehicle financed with Toyota Financial. I was offered a much better rate by another lender to refinance. They received the payoff and officially closed the loan on XX/XX/XXXX. I had a payment due on XX/XX/XXXX, and because I didn't want it to impact the refinance, I paid it ( {$430.00} ). Because it was after XXXX EST ( I'm MST ), it didn't post until XX/XX/XXXX. Within 4 days, I recieved the overpayment the refinance company paid, which amounted to roughly {$45.00}. I waited to recieve the overpayment I made with the final payment, but it did not come. On XX/XX/XXXX, I reached out to TFS ( they had shutdown email complaints on their site ). I was told that because the account was closed, the money was just sitting in limbo, and she made the request to have it released. On XX/XX/XXXX, I still had not recieved the overpayment and I called TFS. XXXX informed me the funds had still not been released, and no check had been sent. She made a request for it to be released and sent by XXXX. On XX/XX/XXXX, I called to see if the check and funds were released. I escalated the call to XXXX, a resolution specialist. The check had still not been released and she told me it may be 5 more business days to process plus transit time. At this point, I don't see ever getting my funds back from TFS.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Credit companies deletes my collection for  XXXX   XXXX   XXXX ,  XXXX  and   XXXX    XXXX  but then adds it back with a new date.
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me.
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

UNFORTUNATELY -- MY HUSBAND AND I HAD TO FILE A CH. XXXX BANKRUPTCY IN 2011. 
ON ADVICE OF OUR ATTY ; WE DID NOT RE-AFFIRM THE LOAN WITH WELLS FARGO AS " SERVICER ''. SINCE, I HAVE KEPT THE LOAN CURRENT ; EXCEPT FOR A 3 MONTH PERIOD WHEN I WAS ATTEMPTING TO GET A " HAMP '' MODIFICATION. AT THE TIME OF APPLICATION, WELLS TOLD ME TO BE ELIGIBLE, THAT I HAD TO MISS XXXX PAYMENTS. 
SO, MY ISSUE WITH WELLS IS TWO FOLD REGARDING CREDIT REPORTS : ( 1. ) THEY CONTINUE TO SHOW XXXX MISSING PAYMENTS -- EVEN THOUGH WELLS TOLD ME TO DO SO -- AND -- THEY DO NOT ANSWER THIS WHEN I WRITE -- THEY ONLY SAY PURSUANT TO THE FDCPA ; AND ( 2. ) AS STATED, WELLS DOES NOT/WILL NOT SHOW THAT I KEEP PAYMENTS CURRENT. AGAIN, THEY STATE BOTH THE FDCPA AND CALIFORNIA FDCPA. 
THEREFORE : IS WELLS WITHIN THE LAW BY ( 1. ) CONTINUED REPORTING THESE XXXX MISSED PAYMENTS ; AND ( 2. ) IS WELLS WITHIN THE LAW BY DENYING THE FACT THAT I MAKE PAYMENTS ON THIS LOAN -- EVEN WHEN I ASK THEM TO REPORT? 
THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAL. XXXX FORMERLY : XXXX XXXX XXXX XXXX. 
XXXX XXXX, CAL. XXXX