davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Ars account resolution s .... 
People keep adding accounts to my credit as fast as I dispute them for different dates and amounts everytime I get one removed another one pops up I contacted the company by phone to get them to send me anything by mail, they agree but never do. I'm at a loss because even when it gets removed it still hurt my numbers. I've gotten so many deleted from the same company that I can't do any more.
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I have been named executor of an estate. The lender, XXXX was informed immediately that the mortgage holder had died. This was in XX/XX/XXXX and I got the paperwork to them by XX/XX/XXXX. I was assured the loan would not be placed for collections. Of course, this happened in XXXX and I had to deal with the new company, Seterus for mortgage payment information. 
This was a nightmare and started out with Seterus refusing to let me know how I could get the balance to put the loan current. The initial individual tried to ask me how much I thought was owed and wanted it sent immediately. After XXXX week I finally had an answer and brought the mortgage current. The home was rapidly sold in XXXX and I again was called upon by the escrow company to try to reason with Seterus. The escrow company sent the normal demand for a pay-off and Seterus then refused to supply the information, causing undo stress for the closure date of XX/XX/XXXX. The person on the telephone said there were thousands of calls for pay-offs and we would have to get in line to get the final settlement numbers. She also said I could not speak to a supervisor about this although she did admit the original demand letter was there. The escrow company waited over the week-end and did get the payoff numbers but were shocked that I had to deal with this instead of them.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

Hello. I paid my PayPal MasterCard ( Synchrony Bank ) off, {$16000.00}, on XX/XX/XXXX. 
When I attempted to make an approximately {$3500.00} purchase on XX/XX/XXXX, they said I had insufficient credit available. The person I talked to on the phone attempted to defend their actions, but was not able to do so effectively. Long story short, they have taken my electronic funds transfer and are sitting on at least a portion of it, probably making money on it. This seems unacceptable to me, and while I am cancelling this card and my PayPal accounts, I'd like to know if this is legal and common practice.
Consumer complaint received 2022-02-07
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: Experian Information Solutions Inc. (GA)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT ACCOUNTS IN MY NAME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

To Whom It May Concern at Wells Fargo : This complaint is in regard to the forbearance plan. I was persuaded by a rep to participate in this plan. She was the one who suggested it. I never asked her first to be placed on the plan. The plan was never fully explained before I was signed on to it. I was told I could suspend payments while my loan modification ( which was terminated in XXXX XXXX was reviewed. I didn't need to suspend payments at that time and I still do not need to suspend them now. I would not have asked to be put on this plan because my understanding was that forbearance was for people who lost their jobs/needed help due to the pandemic, and that clearly didn't apply to me. 

As I have not missed a payment, I have not used this forbearance plan. When I've signed onto my WF online account, it was stated that I could remove myself/not extend the forbearance plan. Strange how the link did not work for me. I've tried many times, including this evening. What comes up every time is a number I have to call instead. 

I do not plan on ever calling Wells Fargo again, because your reps lie and provide misinformation, even in the EXECUTIVE office. My understanding is that this plan ends at the end of XXXX. I have not used the plan and I have no desire to extend it. So this complaint will serve to inform you not to extend the forbearance plan. 

In addition, you stated in recent response to a complaint, that I had requested a loan modification in XXXX. I do not believe that date is correct, but I will check on that later. What I am sure of is that you OFFERED me a loan modification. I had no idea what a loan modification was or that it even existed until it was offered by you. You offered it, you told me repeatedly that I didn't have to get the paperwork notarized month after month because of my fear of contracting the virus, and I never missed a payment. Then you cancelled the loan mod without even notifying me. You offered the loan mod, you lied about it, you added thousands of dollars to my account stated as " overdue, '' and set me up to fail. 
Please note that I am going to submit all of my WF statements to an accountant next week. As I've noticed that my statement online frequently changes without any reason for the changes such as a payment, I suggest you make sure current statement is accurate, or I will be submitting another complaint.
Consumer complaint received 2022-02-07
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. (GA)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT ACCOUNTS IN MY NAME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.
Consumer complaint received 2015-05-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan through CapitalOne for a home mortgage in CA, which I entered into in XX/XX/XXXX. I became long-term unemployed in XX/XX/XXXX. When I requested that a loan modification be done, and work to create a relief plan, CapitalOne and it 's associated acted in may ways that were in violation of the CA Homeowners Bill of Rights, including dual tracking me and failing to provide a single point of contact during the modification discussion. Further, CapitalOne refused my request to use a different index than XXXX for the APR of my mortgage. XXXX is a known fraudulent index which has been widely reported to have been knowingly manipulated by banks and there have been many federal, state and international fines and penalties associated with the " rigging '' of the XXXX rate.
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

It is illegal for a debt collector on an amount that is " owed. '' I looked at the agreement from the original creditor, and this was not expressly authorized. You are conducting unfair practices. 808.A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt under the law 15 USC 1692f . I also am waiting for the debt assignment which included numbers XXXX and XXXX in the original complaint. Please remove this from my credit report.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IA)

I have called and have done online dispute over 5 times with Equifax and each time they are not reviewing the information correctly. They are reporting false info on my credit reports. The account number does not match my account number. It is my only collection and is not mine. I have gotten a debt validation from the collection company and i have proved it does not match the account number i have. Equifax has not looked closely at this info and seems to be looked over by a computer. Account numbers do not match on debt of validation from XXXX. it is ruining my credit. i have also made a police report. This needs to come off of my report. Equifax takes a long time to review and when they do report, it is still false information. 
-XXXX XXXX has done their 60 day investigation and at least they see its false. 

Also, while i asked for debt of validation, Equifax let XXXX XXXX XXXX report again on my report as " open '' and " late '' and not as " being disputed ''. This is against the rules as well. 

This is against the Fair Credit Reporting Act ( FDRA ). i will submit to XXXX and contact my state 's attorney general if this does not get resolved. 

-Equifax reporting false info -Equifax not looking over account numbers -I have disputed 5 times and they are not looking at the info and it remains -i have attached my debt of validation from ONLINE COLLECTION SERVICES ( look at account number ) - i have attached my bill with account number from progress energy when i cut off my last bill ( look at account number ) -i have attached XXXX XXXX actually looking and correcting this issue like a credit reporting agency should. 


I expect this to be resolved very fast and not take weeks like when i dispute through Equifax dispute website. I have my information attached if you need to contact me.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

on the one inquiry dated on XX/XX/2022 the company XXXX XXXX XXXXXXXX XXXX telephone # XXXX would put me through a series of diffrent departments then the phone call would alw3ays drop on numerous calls. Inquiry # 2 company name XXXX phone # XXXX i spoke with an associate to inform them i had no recollection for this credit account, i was told to pursue the matter with transunion in order to have it removed.
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NH)

VA overpaid XXXX compensation after notification to stop payments, while I was XXXX. VA refused to accept spousal intervention to stop collection, and reported a unpaid debt to credit agencies. This is a violation of Federal Law ( Soldiers and Sailors Relief Act ) to incorrectly start a negative report and payroll recoupment while service member is XXXX. Credit Reporting agency is not be allowed to accept inaccurate reports without verification, just because it is from the Federal Government.
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

we pay our taxes separate from our taxes my mortgage company paid them by mistake when i called them told them the mistake and said if they send a request the tax office will refund them they refuse they said my tax office sent a letter stating we were diligent which is not true the tax office said my mortgage company by law would need a tax code in order for them to pay my taxes this is fraud on there at first when we called they said they would request the refund now they say want us to send them a check we do not trust them someone made a terrible mistake and they want us to pay to cover it up
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LENDER LIVE (VA)

Lenderlive has reported the one payment covered by my bankruptcy as a late payment n umerous times on my credit report, lenderslive,   XXXX   XXXX    XXXX   XXXX ,  XXXX , Colorado  XXXX , telephone #  XXXX , the dates reported are from  XXXX  to  XXXX . They show on my credit report as LNDERLIVE  XXXX . My bankruptcy was in   XXXX   for that one payment.
Consumer complaint received 2017-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TX)

I keep a close eye on my credit report. As this account is not on my   XXXX   report. It did appear on the mortgage companies report they pulled from  XXXX . This account is not mine and I was not notified of this account. Also, it puzzles me that I was informed of this account from a mortgage lender. FCRA laws have been violated here. The sneaky way of ahving this on a mortgage lender report and not the   XXXX    report from them. This should be investigated by CFPB and my attorney for violation.
Consumer complaint received 2015-10-05
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JPMORGAN CHASE & CO. (NY)

I have requested a validation of debt from XXXX XXXX with no response. I also requested a Affidavit of Fraud from this collection company with no response. This company as placed a Restraint on my account so I ca n't access to my money since XXXX 2015. I recently received a notice stating that they have removed all the money in my account. I never provided to this company my account information I do n't know how they get my information. I truly believe that this is illegal and unconstitutional. Please help me to get this issue resolve.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

This company sent me to collections debt ... this is not mine, I don't even know who they are... they have my info and my SSN, I don't even know how, I have all my payments up to date, I have not debt with those peoples.
Consumer complaint received 2020-10-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX, I purchased my first home at XXXX XXXX XXXX, XXXX, NJ using a mortgage loan wherein the latter designated XXXX XXXX as the lender with a principal balance of approximately $ XXXX upon me putting down approximately $ XXXX. In or around XXXX XXXX, I discovered that : ( 1 ) the foregoing transaction was discharged by Wells Fargo Home Mortgage ( " WFHM '' ) in XXXX XXXX without my knowledge or consent upon someone creating a refinance through XXXX XXXX   XXXX  ( XXXX XXXX ) XXXX XXXX  XXXX dated XX/XX/XXXX without my knowledge and or consent ; ( 2 ) WFHM continued taking monthly payments for me for XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) XXXX XXXX XXXX  XXXX XXXX ( " XXXX '' ) continued taking payments from me from XX/XX/XXXX through XX/XX/XXXX towards what I believed was my original purchase, not knowing said payments were going towards the forged refinance. 

Furthermore, I have not received proper credit for all of the payments that I made for the months XX/XX/XXXX through XX/XX/XXXX. 

Today XXXX by and through XXXX XXXX XXXX XXXX XXXX, XXXX. ( " XXXX  '' ) are foreclosing on my home in the XXXX XXXX of New Jersey under Docket XXXX. : XXXX since the year XXXX to present date, using a forged refinance mortgage loan recorded in the year XXXX ( See Exhibit A ) for which an expert handwriting expert confirmed by way of report dated XX/XX/XXXX that someone other than me authored and forged my name on mortgage loan documents as displayed within Exhibit " B '' annexed hereto. 

Furthermore, XXXX by and through XXXX commenced foreclosure in XXXX XXXX annexed hereto as Exhibit " C '', and the assignment instrument asserting a transfer of the forged mortgage loan is dated in XX/XX/XXXX and displays an email communication between XXXX and XXXX conspiring to create the document ( See Exhibit D ).
Consumer complaint received 2016-04-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

I submitted a loan modification application to Seterus, over two months ago and the company refuse to process the application and refuse to give me information concerning my loan. I received a letter from Seterus, requesting my attorney 's information but I do n't have XXXX. The company also incorrectly calculated payments from Florida XXXX XXXX, applying more interest than the contracted amount.
Consumer complaint received 2015-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (IN)

A lot of breaks and defects in the chain of title. Subordination of Mortgage dated XXXX Document # XXXX : Waived priority to XXXX XXXX Mortgage XXXX as evidenced in documents. According to XXXX XXXX Mortgage, the mortgage is a XXXX mortgage : When I put in The MIN # XXXX, it directs me to XXXX. I put my name and Social Security Number in the boxes to submit to investor which directs me to XXXX as investor. XXXX XXXX, XXXX Verification of debt for home equity account is JPM Chase. XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX, I requested PROOF OF OWNERSHIP REQUEST documentation. Specific information is in the listings As of this date, none of these request for information have been. I do know what is listed in XXXX XXXX Records namely the above waiver and the XXXX XXXX Mortgage with XXXX A XXXX document # XXXX is evidenced XXXX as present legal owner. A list of statements have been sent to address this issue. Chase claims to be investor and owner of document XXXX XXXX.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

A couple a weeks a go I received a letter from Midland Credit Management, trying to collect a debt from a XXXX XXXX account. I spoke to representative and they toke my information and told me that they were going to investigate the situation and they will let me know within a-couple of weeks their response in writing. To day I received a letter stating that they were uncertain of what I was disputing. 

I call the company again and they toll me that I have to initiate a claim through the Consumer Financial Protection Bureau, for fraud. 

They informed that the previous bank sent a letter to XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX. Using my name and SS number. 

I have been living in XXXX  since 2005 at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2016-04-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Data Corporation (LA)

I charged {$6.00} to my checking account on XXXX.The charge was never presented or declined at my bank. I was put in collection by Telecheck and TRS who began to threaten me with late fees. I contacted XXXX who said I did not owe them anything that the item was paid for. I contacted my bank with the Trace ID and they said nothing had been presented or declined. 

The outgoing message on TRS voicemail asks for Social Security numbers and copies of drivers licenses which I believe is against the law. All calls to Telecheck are routed to TRS so they are the same company but not disclosed to the consumer.
Consumer complaint received 2023-03-16
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. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not all opened by me. This has been hurting me as I am in the process of buying a home for my family. please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2017-05-22
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I am  XXXX   XXXX  military and have been trying to sell my home in a short sale due to permanent change of station orders. I also have a second mortgage on the home with  XXXX , and the first mortgage with Chase has   XXXX   XXXX    as the investor.     We have had to get the short sale approved  4 different times in order to close. This last time to try and get it closed, Chase  has told us that they are instituting new internal processes which add more quality control checks to the pipeline time that it takes for us to get the information that we need in order to sell our home and get out from underneath all of the debt that we have. We have escalated the review of the file with the investor,   XXXX   XXXX  , with the Military Escalation line with Chase, with the  Executive Office with Chase,  with as many managers as we could get a hold of, and an Assistant Vice President of the Short Sale Department.     We are asking the Consumer Financial Protection Bureau to come down hard  on Chase an d allow us to sell our home and move on with our lives. Thank you.
Consumer complaint received 2015-10-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: GREAT LAKES (TX)

I am on a reduced interest/monthly payment however due to ME making payments on XXXX and my parents parent + loan, I have been unable to make any substantial payments on this account, I pay $ XXXX when I can but I can not overdraft my account any more without not having any food or having my car taken away. Great Lakes continues to post negative marks on my credit report, there is no way for me to get any kind of extension or forbearance or anything based on my conversations with the Great Lakes reps - they are also calling my parents ( who are cosigners but living in poverty with health concerns ) every single day asking for payment.