davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo Home Mortgage ( WFHM ) originated the mortgage on my primary residence in XX/XX/XXXX which it sold to XXXX XXXX without any informing me, which is the current note holder. WFHM only services the loan now. Several requests for loan modification to WFHM have been denied since XX/XX/XXXX. I had to file Ch XXXX bankruptcy in XX/XX/XXXX to prevent foreclosure and made another request for loan modification which was also denied. This forced me to convert to Ch XXXX bankruptcy in XX/XX/XXXX. Finally on XX/XX/XXXX, I received a discharge, which included discharge of the mortgage debt. To satisfy the mortgage, I have initiated a short sale process by submitting an offer to WFHM on XX/XX/XXXX. 

Simultaneously, on XX/XX/XXXX, the law firm, XXXX XXXX, representing WFHM & XXXX has sent me a Notice of Foreclosure sale scheduling an auction sale on XX/XX/XXXX. This notice was received by me on XX/XX/XXXX. This is absolutely inappropriate when I have made a short sale offer to WFHM. My lawyer is in contact with the law firm to stop foreclosure so that the short sale process can proceed. 

I have contacted my Home Preservation specialist at WFHM today regarding this issue. She has assured me that this issue has been forwarded to the appropriate Liquidation department which will address it in the next few days and get back to me. But in the meantime, I have decided to file this complaint to make sure that the foreclosure is cancelled and my short sale offer approval process moves forward without any further delay.
Consumer complaint received 2023-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NV)

I noticed my interest rate climbing on my loans each month. I had a fixed rate prior to Covid. Then my servicer switched ( I think due to a lawsuit with Great Lakes ). When the servicer switched, I no longer had a fixed rate. Customer service is impossible to reach, and they had all my contact information wrong, so they couldnt locate my loan even when I did contact someone. Ive asked them to provide statements from Great Lakes, which their website says they have access to, but I havent received those. I might have access to old tax documents or paper statements.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681, 15 USC 6801, and 15 USC 6802, student loans should not be on my credit report. These need to be removed from my credit report as there was no authorization, substantiation, written verbal or oral communication for the information to be reported, and is illegal to be on there according to the consumer laws. This information is to be deleted immediately as it is effecting my personal life and credit worthiness, and causing adverse actions.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under 15 USC 1681, 15 USC 6801, and 15 USC 6802, XXXX loans should not be on my credit report. These need to be removed from my credit report as there was no authorization, substantiation, written verbal or oral communication for the information to be reported, and is illegal to be on there according to the consumer laws. This information is to be deleted immediately as it is effecting my personal life and credit worthiness, and causing adverse actions.
Consumer complaint received 2021-09-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am the victim of what appears to be an illegal scheme by alleged creditors to " park '' inaccurate adverse credit history items on my personal credit reports, as maintained by TransUnion, XXXX XXXX XXXX, to extort payments not due and owing from me personally. 

The entities improperly reporting to the Credit Agencies, falsely claiming to be my personal creditors are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) 3. XXXX XXXX I have records disputing these inaccurate disclosures ( letters to XXXX, TransUnion XXXX XXXX ) dating back to XX/XX/XXXX. 

Despite the CRA 's typically removing the inaccurate adverse information after my repeated complaints and disputes, the named creditors continue to find improper ways to report this misinformation again - most recently in XXXX and XXXX, now reporting accounts that were closed in XXXX and newly opened in XXXX & XXXX, and now reposted as delinquent collection, not charge-offs. 

I have demanded under FCRA Section 609 that these " creditors '' provide substantiation of their claimed debt, but they refucse or ignore such demands.

The CRA 's continually close my dispute with a letter stating they have concluded their investigation, and that I may provide a written statement - BUT this does not correct their reporting error. In fact, I have provided the CRA 's with written letters I have received from these creditors stating their XXXX & XXXX claims are actually beyond the New York statute of limitations collectability dates, but refusing to remove their adverse information unless I pay what are mostly closed corporate debts ( incurred and previously paid by corporate entities ), that I am not personally liable for.
Consumer complaint received 2021-01-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery Solutions Group, LLC (TN)

On XX/XX/20, I was reported to collections ( Recovery Solutions Group , LLC ) after making a payment to the company I was dealing with ( XXXX XXXX XXXX  ). My last payment with this company was on XX/XX/20 and after being sent to collections, the company reported the wrong amount to collections, did not send a written statement to my address as asked on XX/XX/20 and drafted money from my bank account without my permission while in collections and continues to contact me by phone ( on XX/XX/20 ) and email and they are not supposed to. The statement that I received was on XX/XX/20 from the company I was working with, shows missing payments that did not show on the balance that was sent collections. I have all evidence of communication and inaccurate invoices. I also made bi-weekly payments to this company and do not understand why I was originally sent to collections, due to me asking about my case status with the company.
Consumer complaint received 2021-01-04
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. (GA)

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 
XXXX ( Paid in full ) {$0.00} XXXX XXXX XXXX XXXX Paid in full & confirmed ) {$3600.00} XXXX XXXX XXXX  XXXX XXXX Never Late ) {$0.00} XXXX XXXX XXXX Paid in full & confirmed ) {$460.00} XXXX XXXX XXXX XXXX XXXX Paid in full & confirmed ) {$160.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$170.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$830.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2020-09-08
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. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of. Section 511 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the Federal Trade Commission. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report. It's ridiculous for them to have even taken this long to remove clearly inaccurate information
Consumer complaint received 2017-12-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In 2010, Bank of America offered me a new Home Owners Assistance Mortgage Program, set forth by former President XXXX Obama b/c I was 2 months after being in my loan for 7 years on a 30 year fixed loan. They told me to stop making payments, & would n't accept payments until I was approved. 

Bank of America sent me loan documents outline the new terms of my loan, transfering from a 7 % to a 2 % for the 1st 5 years, then year 6 = 3 %, year 7 = 4 %, year 8 till close = 5 % ... and my two late payment would be pushed to the back end of the loan extending my term an extra 2 months. 

The Loan was sold to XXXX immediately after approval, and then to XXXX. 

This year XXXX sent me a payoff history, and future payments where I realized I still have 30 years left on loan, I asked XXXX " why do I have 30 years left on loan, when I have a 30 year loan & been making payments for 13 years already? '' XXXX responded, " They acquired the loan and the terms of modification re-set the loan clock back to 30 years again. '' I said, " No it was supposed to be 2 extra months. '' They told me to " refer to my loan modification document which explain this. '' I reviewed my loan modifications documents, and it states " the loan is to be extended to cover the late payments, about 3 months '' ... also the same as to what I was told on the telephone, not add anxtra 7 years aka {$72000.00} extra.
Consumer complaint received 2022-01-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello, my account has been suddenly closed by Paypal, they requested from me to provide them some documents, which i upload instantly. ( my id card, proof of adress, explanation of my transactions ) I have won quite good amount from betting, they can see clear that where the money come from into my Paypal account and after i have use the option to send to some of my friends. They have an option send to a friend or business purpose sending. I have aways choose sending to a friend, because i have never used my Paypal to sell or buy anything, I just use it as a deposit method to enter money into the betting site XXXX. ( Very famous and regulated one ) I have all the proofs from the transactions as well. 
So after i provide them all documents which they require, they have sent me email that close my account permanently and that they will hold my funds up to 180 days, which is very long period and i really need this money in that period of time. I got an answer from them which is totally weird, they say that they have to check if some of the buyers has made any complains against me, but there are not buyers and sellers in this story as i mention above. I have not selll or buy anything. Just betting and send friends. 
My account is linked to email : XXXX Thanks you for your help Best Regards XXXX XXXX.
Consumer complaint received 2021-01-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2019 I went to a bar and was later charged {$300.00} on my BofA visa for services I did not receive. I complained at length to the manager ( s ) present and later via multiple phone calls to useless corporate stooges, but could not resolve the situation. On the XXXX, I filed a complaint with Visa and BofA. They told me that the charge was reversed but months later changed that decision saying I had a chance to " inspect '' the product up front before paying ... which is untrue ; they make you pay up front. After nearly a year of writing letters to every conceivable part of BofA, I threatened to close all of my accounts ( savings, checking and three credit cards ) until they addressed this. They still gave me nothing but repetitive form letter responses. I indeed closed those accounts with a balance still pending and STILL got no response. They then " charged out '' my account and trashed my XXXX credit rating. I filed multiple complaints with XXXX and the XXXX with little to no results. I want my credit rating back!!! Thank you!!
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-06-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: InstaMortgage Inc. (CA)

I received an Eligibility Notification in XXXX of 2020 from Arcus Va Mortgage. The notice mentioned no minimum credit score, up to {$5000.00} in escrow refund, no mortgage payment for two months, no appraisal needed, no money oit of pocket and no income or employment. The letter mentioned my rate could be as low as 2.75 %. I called in XX/XX/2020 and verified with the representative my eligibility and they said Yes, I was eligible and the benefits were..No Min Credit Score and verified the previous benefits. Once we applied they pulled our credit and stated that they could do 3.275 % .I agreed and signed documents. Two weeks later I get a call from XXXX the owner who says he can't do 3.275 % because guidelines changed and my husband score was too low. He said he can only do 3.8 % I agreed to that interest rate. I received an text message on XX/XX/XXXX stating that my loan was sent to underwriting and I would be skipping two months payments. I followed up the next two weeks and the representative text me back saying it would take 30 days due to covid for the loan process. I waited until the end of XXXX and I heard no response from several attempts to contact this company. Today. I received an email that states that my husbands score was too low. The problem I have is how long I waited to hear this after they told me no minimum credit score. Somoeone should stop this predatory practice. Stop scaming clients out of wasted time, money and emotional distress when you knew that you were not going to do the loan. This is bait and switch tactics.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX RE : Collector Disclosure Statement Account Number : XXXX To whom it may concern : I am inquiring about my credit report and I have questions and I would like honest answers please. 

How do I know I owe the amount $ {$260.00}? 

How do I the natural person owe the amount {$260.00}? 

What are the terms for this assignment for Account XXXX? You may attach facts of any records related to such terms. 

Have any insurance claims been made by any creditors regarding the assignment on Account XXXX 

Has the reported balance {$260.00} of this account been used by any tax deduction claims? 

Please list the products and services sold by the collector to the debtor and the dollar amount each? 

Upon failure of collector to validate collection action, collector agrees to wave all claims against the debtor named herein and paid debtor for all cost and attorney fees regarding legal action. 

Thank you very much. 

Best Regards, ___________________________________________________________ By : XXXX XXXX XXXX XXXX XXXX Without Prejudice
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Screening Reports Inc. (TN)

I was denied for housing due to an old judgement. The judgement has been paid and is not report on any credit reports. Unsure of how they are obtaining this information. They do not answer their phone therefore I cant fix the problem
Consumer complaint received 2021-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (FL)

Two XXXX  loans originated in XXXX. Entered bankruptcy in XXXX. Ch XXXX in XX/XX/XXXX followed by Ch XXXX in XX/XX/XXXX. XXXX  loans paid in full according to Bankruptcy Trustee in XXXX, XXXX. 

No communication from servicer AES for 5 years. In XX/XX/XXXX received letter from collection company XXXX. Contacted XXXX who explained XXXX loan transferred back to AES. Could not explain why no communication. Advised I needed attorney to address. I informed them would not be spending money on attorney when bankruptcy court sent servicer regular payments, ledgers. XXXX advised loan transferred back to servicer. What is XXXX ' role? To pad accounts w interest, fees, charges etc? 

Contacted AES which stated have two loans remaining with balances due. Loan 1 has balance of XXXX while Loan 2 has balance of XXXX. No statements provided. Documentation received upon my request to AES stops at XXXX. No statements provided after XXXX showing payments made, fees, charges etc. 

While I can easily pay both amounts, the point is these accounts have already been satisfied through bankruptcy court payments. Why is AES now trying to collect on phantom charges? Im receiving letters from AES on an almost weekly basis. 

Letters now stating payment will be late as of XX/XX/XXXX. Ive worked hard to recover from bankruptcy, hope AES wont destroy my credit with their " error ''. XXXX XXXX legacy tom foolery at work? I trust your agency can assist. 

Thank you.
Consumer complaint received 2020-11-23
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. (CA)

I uploaded a letter to XXXX, Equifax and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax or XXXX does not have any files to verify these accounts, nor will they delete it.
Consumer complaint received 2019-06-02
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Shellpoint Partners, LLC (MN)

I was contacted about a week ago by Shellpoint Mortgage Servicing. The representative did not say she was attempting to collect on a debt and did not read a mini-Miranda. I asked if it was a debt collection attempt and the rep refused to answer the question. At this point, I had received no communication from Shellpoint. The rep insisted I give her personal information without any justification. I asked why and she said Shellpoint had my mortgage. She asked me for my address despite saying Shellpoint had acquired my mortgage - at this point I assumed this was a phishing attempt since any mortgage company with my mortgage would already have my address. When she told me they had sent me several letters, I assumed it was a scam because I had received none. I asked them to not contact me until I received a letter since I had no way to know if this was a legitimate call or not. They continued calling me daily despite this. I did not pick up. 

I consider this to be an abusive act/practice due to the lack of disclosure, lack of contact in writing and insistence that I reveal personal information to continue a conversation with no justification whatsoever. I am also offended my C & D request was not honored and that my insistence that the rep 's actions constituted a UDAAP violation were ignored.