davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

XX/XX/XXXX : Applied for Refinance of my mortgage. Amerisave loan officer ( XXXX XXXX NMLS ID # XXXX ) said that he copied my information from my existing mortgage ( a joint mortgage with my spouse ) that is with Amerisave to the new application. Was committed a loan credit of {$1600.00} towards the closing cost. 
XX/XX/XXXX : Received email commitment from loan officer on the rate protection. 
XX/XX/XXXX : Received a call from XXXX XXXX XXXX XXXX XXXX a loan processor to review loan information. She informed me that the application is not in joint name and said the loan credit is only {$960.00}. 
XX/XX/XXXX : Received closing disclosures with a different loan credit ( earnest money ) of {$960.00} versus original {$1600.00} committed. 
XXXX XXXX XXXX XXXX : Had several email/calls with XXXX XXXX XXXX She told me that XXXX XXXX would be able to add my spouse to the application and I have to talk to XXXX about the earnest money. 
XXXX  XXXX : XXXX XXXX on the error. 
XXXX  XXXX : Got response from XXXX that " I have all of her information, so I can get the new file started, have her added, and get everything taken care of for you. Just confirm for me that you want me to add her for you '' XXXX XXXX : Replied back " Yes please add her ''. 
XXXX  XXXX : Got new disclosures and realized that it is a new loan with different terms. The original loan was cancelled and the new application had different fee structure. This came as a surprise as the loan officer never disclosed that it will be a different loan application with different rates. I had asked him to add my spouse to the loan application and not cancel the existing one. Also the original application was what XXXX copied from the existing loan so I assumed it was accurate. 
Between XXXX XXXX XXXX : contacted XXXX and his manager through email and voice mails. Never got any call back to my voice mails. Got clarification that the pricing is going to be what is in the disclosures. Shared with them that i was planning to file a complaint. 
XX/XX/XXXX : Got email from XXXX XXXXXXXX XXXX  manager XXXX XXXX XXXX that they will honor the original credit of {$1600.00} and will re-issue disclosures. 
XX/XX/XXXX and XX/XX/XXXX : I have followed up with XXXX but did not get any response from XXXX
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

On XX/XX/2022, while I had my Citi Bank AA Advantage XXXX in my possession, there were XXXX charges that occurred at XXXX XXXX without my authorization. XXXX charge was {$230.00} and a second charge for {$90.00}. 

I completed a dispute through Citi bank but they said that because the card was not reported lost or stolen and the card can not be cloned, they can not reverse those charges.
Consumer complaint received 2019-09-27
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. (TX)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ) bureaus. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-02-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

House modification info. 

I am not sure you can help us but thought I would ask. We recently attempted a modification from ( 2nd time due to medical reasons, we had been approved for first mod., but had a medical emergency happen & hence a 2nd try for another modification ) of our Fannie Mae mortgage thru Ditech . We had got behind in payments due to medical bills that came up due to a medical emergency with my husband. In XX/XX/XXXX we met their representatives for a mediation & agreed to us doing an application for a modification. Then mid XX/XX/XXXX we began a modification that was drug out for almost 5 months. All along the way, the Ditech representative reassured me that everything looked good & that we would be just fine. It was never easy to get through to this representative & we always had to leave a message. We were continually asked for documents several times, as they would claim they never got what I sent. This one representative also told me that she alone had over 1000 modification applications that she herself was processing. At the end of the XX/XX/XXXX month, the representatives phone extension became non existent & I could not even call into the company as my calls were rejected automatically by the phone co. I used a friends phone & called & asked for the lady whom I had been working with for those 5 months & she no longer existed. All along this 5 months & before that, Ditech was adding all kinds of large fees to our account. Our mortgage balance went from $ XXXX to $ XXXX.,  My husband is XXXX & receives a pension & social security. This is a classic case of American Greed in our opinion, we are the little guy being squashed by corporate America. Have you heard other stories like ours? Anything your company could help us with? I know this is a long shot but saw an ad by your company. 

Your reply would be greatly appreciated. 

Thank You!! 



Sent from my XXXX
Consumer complaint received 2018-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (AZ)

I am a victim of identity theft. Someone opened a credit card account with XXXX XXXX ending in : XXXX. The account is a fraudulent and unauthorized account. I have never applied for an XXXX XXXX credit card account. The account and debt isnt mine and dont belong to me. The account has been transferred to XXXX XXXX XXXX XXXX for collections. I have been receiving harassing telephone calls at XXXX XXXX daily from representatives from XXXX XXXX XXXX XXXX using abusive and profane language, making death threats, threats of taking legal action and me going to jail. I informed representatives from XXXX XXXX XXXX, XXXX that I am a victim of identity theft and the account is fraudulent, unauthorized and dont belong to me. XXXX XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (FL)

Made a car payment by phone to Mercedes Benz Financial Services ( MBFS ) before the account was late ; however, MBFS posted the payment past the due date and reported my account to the Credit Bureau as a late payment. XXXX XXXX even made the payment to MBFS official before the account became " late '' ( see attachement ).
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX should not be reporting a collection/chargeoff in the amount of {$180.00} to Transunion on the XXXX XXXX partial account number XXXX. ( Please see attached page from my credit report. I have also attached a copy of the payment history. ) This account has in fact been paid and this false reporting of a collection is seriously harming my credit score. This line item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted both XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I refinanced my mortgage via an MHA modification in XXXX, making all my trial plan payments on time. The original lender was XXXX XXXX XXXX. I never missed a payment. In XX/XX/XXXX, I was laid off and my wife and I fell behind on our payments in XXXX of XXXX. Select Portfolio Servicing requested paperwork to attempt a modification which we provided and the servicer almost immediately declined the modification in XX/XX/XXXX, claiming that it could no longer be modified. Because it was modified previously in XXXX, a loan that SPS did not originate. I was able to get back to work and resume making payments in XXXX of XXXX, but I could only make one payment a month. In XX/XX/XXXX, my wife left me and filed for divorce, taking my son with her. Now I am faced with foreclosure. My wife and I made over 84 straight payments, I lost my job for 6 months, we missed 4 payments and now I can lose my house. SPS strategically and unethically denied my modification request and did not offer forebearance or any other method where I could have kept my home.
Consumer complaint received 2021-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was told by 4 different companies that the inquiry they were pulling would be a soft inquiry which were all done in this the last month yet each Company did a hard inquiry without my consent. There websites said that the inquiry would not affect my credit yet they are all on my credit report and have impacted my score substantially. I am furious and need this resolved.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A XXXX card account number XXXX that is not mine was on my credit report i sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Child is XXXX XXXX XXXX my child support payments have never went delinquent in fact it is paid current up to date the payments that are being made right now is interest only not late fees and is invalid reporting to credit bureaus I have called and written letters for over 4 yrs to get this account removed off my credit ; because payments have always been current and onetime also because there were no services or contracted services nor product to have this account appaering on my credit report. Was made aware that new child support law from XX/XX/2017 enforces bureaus to remove child support from being reported to credit bureaus. Also the Federal Tax Lien is not my debt its reporting on wrong credit file, showing paid so why would it be reported so all information is invalid the account, account type, date, amount and mismatch personal information for this is not my account. As far as collection account I have not received medical treatment from company that has recently posted on my credit report : XXXX XXXX spoke with company trying to see how they got my information the information in their system does not match me.
Consumer complaint received 2020-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D2 Management LLC (CA)

I keep getting calls from a company that identified themselves as D2 Management. They are a debt collection company and said that they are located in XXXX South Carolina. They are calling for someone named XXXX. They are calling my work cell that I have had for over 9 months. I do not know anyone named XXXX. 
I have repeatedly told them that the number does not belong to XXXX and the debt is not mine, yet they call anyway. The last call came from XXXX on XX/XX/20 at XXXX PM but I have gotten dozens of calls for months.
Consumer complaint received 2020-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

I contacted XXXX XXXX XXXX billing department on XX/XX/2020, the customer service agent stated that she did not see any payment of {$25.00}, {$5.00}, or {$10.00} in their system. On their website ( XXXX ) the {$5.00} has been posted but not applied to my account. My medical bills are paid in full. I have filed a dispute with Chase Bank on XX/XX/2020 for the amount of {$25.00}, {$5.00} and {$10.00}. On XX/XX/2020 I received an email from Case Bank stating thats mine requirement has been resolved, I haven't been reimbursed
Consumer complaint received 2019-09-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (PA)

Received a bill for so called used damages 45 days after turn car in to dealer : They cliam tires worn, scratches.Before turn car in I had PA Inspection back tires passed, purchased new tires for front, car passed, term milage was XXXX miles allowance car turned XXXX miles.I had a dealership " XXXX '' done every 6mo '' s which was done day before turned car in.Garage keeped car Took pictures of car before turning car no visable damages or scratches, no dents, etc, very light scratches from bushes or small marks from stones. I got pictures from GM Finanici showed to many people could not damaged to car, took to professional Auto Body could only see a small ding back one inch lower part rear bumper.GM FINANICAL add various fee & taxes not shown to me a the time I did original paper work very poor disclosure of what was in lease at end of term.All dealership leases not properly disclosed or people would not do leasing, a number story of leaseing charging thousands of dollars to un suspecting consumers.The lease want to sell car and not put the cast of refurbishing car on un suspecting consumers.GM Financial does not permit dealers to go over cars, they send 3rd party team that get paid to find out what they can use to justifiy over billing
Consumer complaint received 2018-02-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted XXXX XXXX  and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/ at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX XXXX. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/ this had gone on far too long and my credit was ruined and my house is in foreclosure.
Consumer complaint received 2021-06-07
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SN SERVICING CORPORATION (GA)

1.

1st compliant was sent XX/XX/XXXX saying investor / servicing company refused to process or look at applications based off emails from representative of Servicing Company on XX/XX/XXXX. 
2. The reponse on XX/XX/XXXX from servicing company stated a letter was sent of denial do to debt to income ratio on XX/XX/XXXX but doesn't state which modification the denial is referring to. There where several attempts to modify loan dating back as early as XXXX but the most recent application as a significant change in circumstance. 
3. A 2nd complaint was done XX/XX/XXXX stating the response was unclear, vague & contradictory to emails from representative so we needed a more detail look at the numbers used and requested more documentation and an explanation of why representative is stating application wouldn't be looked at yet suddenly a denial letter was produced after requesting something in writing. 
4. On XX/XX/XXXX a response was given by company & now stating the borrower was notified that a down payment for the past amount was offered & borrower refused to pay. The letter provided by the servicer in last reponse stated specifically the file was denied for debt to income ratio. It was never stated as a option that the borrower pay a down payment of any kind. 

We request a full investigation or this matter internally as we do intend to proceed with assisting to protect all the rights given to borrower under Consumer laws dealing with mortgages, modifications, and homeowners rights, We are requesting a true and factual letter stating the details of this alleged offering to borrower to pay a down payment. We ask these documents as proof that this was actual offered to borrower and proof that borrower actually refused to pay this alleged amount.
Consumer complaint received 2018-02-09
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. (AZ)

I pulled my credit report XX/XX/XXXX and saw that this collection agency XXXX XXXX was showing up as a collection and that I owe them a debt for {$990.00}. I sent them a certified letter with a return receipt to verify the debt with my signed signature. They sent me a letter back dated XX/XX/XXXX and it was great news that they had concluded its investigation of my dispute and are closing both accounts since I had 2 accounts with them and they are requesting that the three major credit agencies delete XXXX trade lines from these account on your credit reports. Shortly after that I got an update credit report showing they were both deleted but only off of 1 of the 3 XXXX, the other 2 Experian and XXXX only removed 1 and are still showing the other one. I sent them both a certified letter that I had received from the company again requesting that the second account be deleted also.They still have not removed it. I sent another certified letter again with no result so that's why I'm here. I got an alert that something new was on my credit report so I pulled my credit report today XX/XX/XXXX and my reports says a new collection has been added to my reports, again only on Experian and XXXX not XXXX so instead of deleting it they makes it appears to be a new account and my scores dropped by 49 points which is major and drastically. I am going to report this action to Attorney General and the XXXX XXXX XXXX today to see if can get this off of all my credit reports. This needs to be resolved immediately as this is majorly affecting my credit scores.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

We are writing this complaint because of the way Wells Fargo has treated our accounts during the covid cares act assistance. When we requested assistance because we were not getting rents from our tenants the representatives told us that one of the options we had would be to extend the loan the number of months that we needed. I was very specific in not wanting a balloon payment at the end or to be added to my balance. We have other mortgages and they added the payments to the end extending the life of the loan. Wells Fargo misrepresented how they would help. I feel very betrayed as this was the only assistance that landlords recieved to help with unpaid rents. I want that money back they should be more compassionate with people in these times of need.