davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-12
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

I sent a # of money wires to XXXX with the assistance of an employee of a Computer maintenace co, known as " XXXX. '' These wires were sent on the premise that i was enabling the recovery of an earlier scam by another entity, which was run through " XXXX '' on XXXX wires of {$1500.00} each With the assistance of the XXXX employee I sent money wires through XXXX XXXX XXXX ( XXXX ) for {$750.00} each ; : Wells Fargo ( XXXX ) {$750.00}. - {$600.00}. - {$240.00}. All sent to XXXX XXXX XXXX XXXX, Payable to payee, XXXX a/c # XXXX. 
A XXXX wire was sent through Wells Fargo in the Amont of {$240.00}, XXXX XXXX XXXX, Payee ; XXXX XXXX. Wells Fargo advises on XX/XX/XXXX that the wire has NOT been paid out. A recall has been issued.
Consumer complaint received 2019-02-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (HI)

Western union is irresponsible, not calling me back when the money transfer make was not deposited into my account on the date they promised. XXXX usd was transferred and they still could not trace the money after 5 days has passed. 
XXXX XXXXXXXX
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

On XX/XX/XXXX, I submitted a XX/XX/XXXX senior citizen exemption application with the XXXX County Assessor. I received a letter from the Assessor dated XX/XX/XXXX indicating that after review, a Certificate of Error was issued and a refund of {$760.00} was to be refunded to XXXX XXXX via the XXXX County Treasurer 's Office. Unfortunately, because our real estate taxes are paid directly  by XXXX XXXX XXXX ( escrowed through our monthly mortgage payments ), the Treasurer 's Office mistakenly sent the refund check to Ocwen, which was received and placed in our escrow account as a " tax credit '' on XX/XX/XXXX. On XX/XX/XXXX, I contact Ocwen and explained to them that the refund was supposed to be sent directly to our address. I was then asked to fax the XX/XX/XXXX letter to Ocwen 's Tax Dept. I sent the fax and requested that the refund be sent to us. On XX/XX/XXXX, I again contacted Ocwen regarding the status of the refund check and was told that the matter " was still under review ''. Agent No. XXXX ( XXXX ) confirmed receipt of the XX/XX/XXXX fax and that our account status had been updated as of XX/XX/XXXX. She asked me to call back in a week for an update. On XX/XX/XXXX, I again contacted Ocwen for an update and spoke with " XXXX '' who indicated that the Escrow Dept. would have to review. I objected and he transferred me to the Escalation Manager ( XXXX ) who indicated that she would " escalate '' the matter and get back to me within 2 days. On XX/XX/XXXX, XXXX called me and informed me that our refund request had been submitted both the Escrow Dept. and the Office of the Ombudsman, and that there was no update as of yet but that she was monitoring the status on a daily basis and would request a update that day. Today, XX/XX/XXXX, I received a call from XXXX ( Escalation Manager ) informing me that an " Escrow Analysis '' had been order and that after consultation between the Escrow Dept., the Tax Dept. and the Office of the Ombudsman, it was determined that beginning with our XX/XX/XXXX, our monthly mortgage payment would be " reduced '' by @ {$64.00} a month for 12 months to " account '' for the {$760.00} tax credit that Ocwen erroneously received. I explicitly stated to her that I was refusing said resolution and again requested a refund of the funds.
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

Hello, I need help. Wells Fargo claims I have a delinquent payment, but I have had auto pay on my account for 12 years and never missed a payment. They continue to claim I owe it and call constantly to collect. I have asked them to tell me the payment I missed, and I would pay it. But they can not. My complaint has been open for over 100 days, and sent to XXXX escalation departments. But no one as been able to tell me what date I missed my payment. And now they are not returning my calls at all
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (TX)

MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY INFORMATION TO OPEN THIS FRAUDULENT ACCOUNT IN MY NAME : XXXX OPENED : XX/XX/2020 XXXX. XXXX I HAVE ENCLOSED MY POLICE REPORT, ID AND SOCIAL.
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I fell behind XXXX payment XX/XX/XXXX, I applied for a home mod XX/XX/XXXX With XXXX XXXX XXXX XXXX XXXX XXXX sold the loan after we applied. We had to reapply again. XX/XX/XXXX the home mod was agreed upon. Then it was overturn by XXXX XXXX. I continue making my payments. My payment was rejected XX/XX/XXXX saying I had an escrow account. They told me I needed to pay XXXX. They would bring the account current. I sent the payment. I called to see why the account still had a problem they needed additional payment of XXXX. They miss applied the payment and increase the monthly payment. 
I called trying to clear up the account each month it became more and more. So I paid an additional {$1000.00} for six months. I sent correspondence explaining that the property taxes they were collecting was incorrect. I was not able to get anyone to help me. XX/XX/XXXX I sent proof to their department call XXXX and cc the letter to Escrow. 
XX/XX/XXXX I received a letter XX/XX/XXXX. Escrow had a shortage of XXXX and my payment was XXXX. 
I received another letter XX/XX/XXXX escrow bal. of XXXX. I received the 3rd letter XX/XX/XXXX. My XX/XX/XXXX payment is now XXXX I am exhausted, I cant get Seterus to correct this problem. I need some help. 
XXXX XXXX. 
XXXX.. 

Please if you can help me I really do not want to go another year of this.
Consumer complaint received 2017-05-23
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. (NC)

I have an  XXXX  credit card with  XXXX    XXXX   and in  XXXX  my credit limit was increased from {$300.00} to {$1000.00} and the credit limit increase has not been reflected correctly with  XXXX  or Equifax fast the past few months. I have called  XXXX   XXXX  for the past 2 months and they told me it was reported correctly but the latest update to the credit bureaus on  XXXX   XXXX ,   XXXX   still reflects a credit limit of {$300.00}. I have sent online disputes as well as a dispute vi a US m ail to both credit bureaus and the response from both credit bureaus indicates the credit limit they are reflecting is what  XXXX    XXXX    submitted which is {$300.00}. I am getting conflicting information from  XXXX   XXXX . I am just simply asking that my credit limit be recorded and reflected correctly which is a credit limit of {$1000.00}.
Consumer complaint received 2022-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (FL)

On XX/XX/2021, HomeBridge Financial made a payment of {$980.00} from my escrow account to the incorrect insurance company. HomeBridge made the incorrect payment to XXXX XXXX XXXX XXXX XXXX. HomeBridge recognized the error in XX/XX/2021 and made payment of {$980.00} to the correct insurance company ( XXXX XXXX ). I have contacted HomeBridge over 10 times requesting the XX/XX/2021 payment be refunded. In XXXX of XXXX, a manager for HomeBridge verbally agreed to refund my escrow. In XXXX of XXXX, my loan was sold to XXXX. Since my loan was sold, HomeBridge as refused to provide me a refund for their error.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jenkins, Wagnon & Young, P.C. (TX)

Jenkins Law firm acting on behalf of XXXX XXXX XXXX levied our bank account on the premise that I process server attempted to serve my spouse but he refused. The issue my husband was not at the location in which the alleged refusal occurred. It is impossible for him to be home at XXXX and he does not get of work until XXXX. With traffic he would not have been home at that time. If we had the opportunity to dispute or make arrangements we would have done so but the opportunity was taken from us. This appears to be a deceptive way for the law firm to collect. Now the law firm is saying they did not hire the process server that is between us XXXX and XXXX XXXX  and XXXX is stating it is the law firm that hired the process server. No one wants to be accountable for the mistake so that we can take care of the issue.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (NY)

I was in Chapter 13 bankruptcy and the mortgage company at the time ( XXXX ) was directed from the judge to modify my mortgage ) XXXX processed it gave me a temporary modification and when it was to become permanent, they sold my loan to another lender who used FAY servicing. Apparently Fay was not being held responsible to teh court ordered modification, agreed after a year to give me a trial mod but they required me to give them XXXX down, in which I did. I was given a permanent loan modification in XX/XX/XXXX, soon after I was diagnosed with XXXX and was making monthly payments, I apparently missed 2 payments, because of my Chapter 13, they did not contact myself or my husband ( who is co on the loan, but not included in the bankruptcy ). Next, the {$10000.00} that I gave them, they put toward past due escrow payments which I had believed would go toward paying down the loan. The modification they gave me resulted in my mortgage payment being XXXX a month, I have been struggling to pay them, finally out of chapter 13, realizing they did n't extend the loan out, just added the P & I back into the loan, missing 2 payments and finally the loan was put back online for me to access last month, now I received 1 notice saying I owed money - yesterday I received a letter saying I was in pre-foreclosure status. I do n't know what to do or where to turn to for help. I had to make a payment arrangement with them to pay 3 months by XX/XX/XXXX - which I did, but now will not be able to pay anyother bills.
Consumer complaint received 2023-03-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (TX)

On or about XX/XX/XXXX, the US Dept of Education completely discharged my student loan through the Total & Permanent Disability process. It has come to my attention that XXXX XXXX is reporting MOHELA as reporting two ( 2 ) tradelines in which both states the student loans were zeroed out because they were transferred. On the latest tradeline, it is reported that I was severely late in paying MOHELA even though I had been on an IBR with XXXX XXXX  monthly repayment. The latest tradeline was also initially reported by XXXX XXXX as being supplied by XXXX XXXX. Thus XXXX was named defendant in a lawsuit along with XXXX XXXX. This complaint is being sent to you in response to a tradeline/credit item that is listed on my XXXX XXXX consumer disclosure sent to me on XX/XX/XXXX. This notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), and debt validation is requested. See Attachment This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that any student loans serviced by your company have been transferred to another and not 100 % paid off through discharge. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, legal action has or will be brought against for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character Injurious Tort and other damages. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will remedy this with any and all legal options. Any listing of any information to a credit reporting repository that could be inaccurate or invalidated should be immediately removed. If your office fails to respond to this debt validation request, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. Best Regards, XXXX XXXX SSN XXXX DOB XXXX Student Loan # XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I recently reviewed a copy of my credit report. I was shocked to learn that I am a victim of identity theft I found numerous accounts on my credit report that I did not open. this has been hurting me as I am in the process of buying a home for my family. please remove the fraudulent account as soon as possible.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I recently received a copy of my credit report. I was shocked to learn that I have been victim of identity death. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (ME)

XXXX XXXX has charged a total of {$3400.00} to my credit. I did not have a lease with them. They do not have any information about this when I call. I rented month to month from them in XXXX and XXXX. I moved out in XX/XX/XXXX, after a 60 day written notice. The rent was {$750.00} a month. There is no way I would have accumulated {$3400.00}, that's nearly 5 months of rent. Fair Collections and Outsourcing is now the debt collector in charge of this account. They continue to update my credit report every month to make it look like I'm missing payments on an account that is to be dropped from my credit in a matter of months. Also, I've never made a payment arrangement with them, as this is NOT my debt. It is an illegal thug tactic by a slumlord to weasel me out of more money. 
They've also messed up the date the account was opened. If I left in XXXX, the start date for the account should be XX/XX/XXXX.
Consumer complaint received 2016-06-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (OH)

I was in school for a long time. I received an XXXX degree and wanted to further my education. I went on and received a XXXX degree and then went on to receive my XXXX which again had another XXXX within the program. I owe XXXX in debt XXXX for federal loans and XXXX private loans. I should have not finished college. One of my private loans I had to make payments while I was in school. During this time my husband lost his job. So I was in a program which then I had to take private loans to manage everything. My last semester I was considered part time and My loans all became due. I had to take a test to get my licensed to get a good job and it took me about 4 months by then I had XXXX judgement and most of my loans were sold. So when I finally got out and was licensed I had no idea where all my loans were. I had XXXX with AES and I asked them to give me one payment. They would not do this I had several payments everywhere I was so far behind just getting out I only paid a few of them. Now I had that judgement from educap which they sold my loan to a attorneys office. It has been 5 years almost and they just now garnished my wage. I also same time now have another XXXX National Collegiate sold to attorney and they are garnishing my wage I do n't know what to do I am unable to consolidate due to my credit score. I am considering bankruptcy. However, I have spoke with XXXX diff attorneys and received XXXX different scenerios. Please help. XXXX XXXX,
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XXXX received letter from lender Select Portfolio Servicing, stating that my interest-bearing portion of my loan was paid up and that they were requiring the balloon payment asap. over {$76000.00}. 
I spoke with several representatives ; I was instructed to continue making my payments. Which I did. I was under employed due to CoVid19. and receiving some unemployment. I made every payment despite. 
After first payment was accepted, the second was rejected. Was told that I could not pay through customer portal so I sent through the bank app. It was accepted. The next month payment was reject through transfer so I sent money order. It was destroyed by company instead of sending it back. At this point they asked for all monies and instructed me to refi or remodify. They put my account in forbearance which made it impossible to refi. ( I did try ) I was trying to pay half of the due amount which they refused. I was allowed to make any further payments during forbearance. I did everything they requested for the remodification. They asked me to do a remod and then I could do refi after. 
XXXXAfter months after months of me being in compliance and change of under writing I was offered a repayment plan. I was told I could not be approved for a remod. 
I began making the payments plus extra to catch up on my escrow. Every month I had to call and request that the payment be applied to my account before I sent the next payment. 
In the mean time, I was contacting my banks to see if I could refinance since I was out of forbearance. I was told I needed about 6 months of payment history. ( which I was working on ) XXXXhad to call and have the check applied to account again, was told that the check was being scanned in but the funds were not being applied upon receipt. 
XXXX received message that my payment was due. I had already sent 2 weeks prior. Representative informed me that the check had been scanned and funds applied. 
about XXXX a representative called asking my intentions for property, said that the payment had not been applied. Next rep l spoke with said that they did not know why I was offered a repayment plan but that they again would not take a partial payment ; full payment only but she could put in another application for remod. 
Insanity since they are the ones that said I could not be approved for remod. Now I can not show payment history for a refinance either. I do not make enough income with my long term job under a refi. 
Complaining on the company because I have been in compliance the entire term of my loan, did everything they insisted for a remod so l could have an opportunity to refi. They are not honoring their agreement terms. But since the letter is a computer generated letter I have no legal action at my disposal.
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. (TX)

I discovered that some of the information in my credit report was incorrect when I looked into it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these accounts. ( A ). Treating these reporting experiences as unverified information without presenting the evidence within the allotted legal time frame is unacceptable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ID)

After several attempts to pull my credit report from the three credit bureaus, my mortgage lender was able to successfully pull credit reports from XXXX and XXXX. He was unable to pull my credit report from Equifax, however, because it was flagged with a fraud warning. After calling Equifax on XX/XX/2022 to get it straightened out, I had to call two separate departments to verify my identity. One department could not help, but another could. The helpful department assured me that they removed their fraud warning, and it should be ok. My lender tried pulling my Equifax account and was still unable to do so. I called Equifax again on XX/XX/XXXX, and I was in contact with a manager. He claimed that my address or name was likely incorrect with my mortgage lender and to correct his mistake. After confirming with my lender that everything was correct and complete, he was again prohibited from pulling my Equifax credit report. After four business days and four separate unsuccessful attempts, he again asked me to call Equifax to release the information. We eventually spoke with XXXX XXXX employee XXXX ), who told us he was a manager with Equifax. He again told me there was no problem with my account, and there was no freeze on their end. Despite our best efforts to explain the severity and impact of the situation, he refused to help us in any way. Of course, our lender still can not pull a hard credit report. 
We dont know what else to do as the Equifax manager assured us he was the highest point of contact. We are extremely disappointed with the handling of this situation, and we have been put in a very difficult situation as we can not be approved for a home loan without this step. We have watched at least two houses go by without being able to put in an offer.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: American Credit Acceptance, LLC (CA)

On XX/XX/2020 my bill did not go through AMERICAN CREDIT ACCEPTANCE - account with 1 missed payment. I am kindly requesting AMERICAN CREDIT ACCEPTANCE to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.