davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I'm having trouble getting Wells Fargo to accept the XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) money or give me an affordable modification. Id like the bank to accept an HAF payment on my behalf- and then have Wells Fargo factor that reduced principal balance into a modification. 

I've been trying to keep my home out of foreclosure since I came out of the COVID forbearance program in XXXX. My mortgage is currently 22 months past due. On XX/XX/22 Wells Fargo said they granted a modification for the XXXX XXXX mortgage on my property. 

1 ) They did not offer any principal/ arrears/ accrued tax forgiveness, even though the housing to income ratio remains well over 50 % and full documentation was submitted. 

Even if I accept the modification, I think the mortgage payments will remain unaffordable and I'll have to sell the property. 

2 ) I have not seen the offer in writing. Wells Fargo said they couldn't send it to me yet because I'm only a potential successor in interest ( non-borrowing spouse ). 
( I showed Wells Fargo my grant deed saying I co-own the house, but the bank said I can't become a confirmed successor until my divorce is finalized. That means I have limited access to information. As a non-borrowing spouse they wouldn't allow me to apply for a modification without my ex-husbands approval. 

The court has given me exclusive use of the house. I have to pay the mortgage in full. My ex-husband wont contribute to the mortgage and is willing to let the home go into foreclosure. 

I'm attaching a screenshot from an NCLC article that says I should not be required to go through my ex-husband for all of this. ) 3 ) On XX/XX/22 the XXXX said it was trying to work with Wells Fargo to see if the company will accept an arrears payment. They said Wells Fargo usually won't accept the arrears payment because my name is not on the mortgage. 

The XXXX said non-borrowing spouses should be eligible for the XXXX funds for conventional mortgages. I'll attach a screenshot of the XXXX 's website with the section about XXXX funds for non-borrower spouses highlighted. 

4 ) On XX/XX/22 Wells Fargo if I don't accept this modification and I wait for the XXXX  program and then re-apply for a modification, the interest rate on the modification will likely go up because mortgage rates are much higher now. However I locked in the modified interest rate pre-COVID. 

5 ) Wells Fargo also said homeowners can't accept the HAF payment and get a loan modification. Is that true? I read on the CFPB that the XXXX  is designed to work with other programs. I attached a highlighted screenshot of the CFPB 's website where it says I should still be eligible for other bank modification programs. 

6 ) Please provide me a reasonable road map for me to get the bank to accept money from the XXXX?
Consumer complaint received 2024-01-31
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. (FL)

Recently I found some account and inquiries which I never autorize. For sure all of them are froud and must be remove from my credit report as soon as you can. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. CC : Federal Trade Commission, XXXX XXXX XXXX XXXX, Washington , DC XXXX Office of the Attorney General, State of Florida XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Washington, DC XXXX Advocates for Fair Credit Reporting Department of Banking and Finance
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM A VICTIM OF IDENITY THEFT. I BELEIVE MY SISTER XXXX XXXX XXXX FILED 2 BANKRUPTCIES IN MY NAME ONE ON XX/XX/2019 XXXX # XXXX AND AGAIN ON XX/XX/2019 XXXX # XXXX. I CONTACTEDTHE AUTHORTIES IN XXXX NEW JERSEY BY PHONE AND WAS TOLD IN ORDER TO FILE A IDENITY THEFT REPORT I HAD TO COME IN PERSON AND FILE IT SO I TOOK A PLANE FROM CALIFORINIA TO NEW JERSEY AND FILED A REPORT. i THEN SENT IT TO ALL 3 CREDIT BUREAUS AND TRANS UNION REFUSED TO TAKE IT OFF AFTER I SPENT MY TIME AND MONEY TO GO TO XXXX POLICE DEPT TO FILE A REPORT. THE DETECTIVE INVESSTIGATING THE CASE IS XXXX XXXX A XXXX.
Consumer complaint received 2020-01-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was in a accident in XXXX. I have loan with XXXX  XXXX. They have no remorse for there customers. Im trying to refinance my car to go to another bank but I cant because I was reported late to the credit bureaus. This is a severe situation. I believe there ploicy is to keep you with them. I pleaded with severe hardship.I lost an XXXX  and Im so distaught my family is to I need help please I need the XXXX late removed please
Consumer complaint received 2021-02-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate inquiries and other items on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being ignored, and this is taking a toll on my financial freedom. Section 611 ( a ) states that a failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately. I insist these accounts be deleted immediately or I will file for litigation due to the unnecessary stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-03-24
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: CL Holdings LLC (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALTERNATIVE DISPUTE RESOLUTIONS (GA)

Dear Consumer Financial Protection Bureau, CFPB : THIS IS A FOLLOW-UP FOR COMPLAINTS XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX. 

XXXX XXXX, XXXX XXXX owe me {$3200.00} ( XXXX since 2017 ), {$500.00} ( XXXX XXXX ) plus expenses. The Judicial Arbitration and Mediation, JAMS, continue to delay the inevitable. JAM 's Senior Case Management, Mr. XXXX XXXX need to get the proof ALL PARTIES HAVE RECEIVED THE REQUESTED INFORMATION FROM MULTILE MODALITIES : EMAIL, ONLINE, TELEPHONE, CONSUMER FINANCIAL PROTECTION BUREAU, CFPB, AND ETC. TIME TO HOLD THEM ACCOUNTABLE ( CONSUMER FINANCIAL PROTECTION BUREAU, CFPB, COMPLAINT NUMBERS XXXX, XXXX, AND XXXX ). SERVICE OF PROCESS EFFECTUATED AND PROOF OF SERVICE OF PROCESS INCLUDED, JUDGMENT {$500000.00}, Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NC)

In the beginning of XX/XX/2020, I applied for a Navy Federal Credit Union refinance loan. I successfully was pre-approved for a loan. I locked the rate at 2.875 % contingent on supporting documentation. The option I had was a XXXX XXXX which allow me to be able to lock at a lower rate if the rates dropped. The loan officer stated there was a heavy backlog and my loan would not progressed until sometime in XXXX and or XXXX. I told Navy Federal I was willing to wait just as long as my interest was locked at 2.875 %. They ensured me that it would be and we could move forward with me providing necessary documentation. Within two weeks I supplied the Navy Federal my w2, pay-stubs, etc. On XX/XX/XXXX Navy Federal emails me and ask if I would like to proceed. I email them back XX/XX/XXXX and stated I was looking forward to proceed. Around XX/XX/XXXX I called Navy Federal to asked them next steps and they stated my application had been withdrawn and I had to reapply for a new rate which would be .75 higher than my old one. I felt this was misrepresentation. I ask to speak to a senior manager. I was able to speak to a senior manager and after investigation she stated the reason I had to reapply was because my credit report expired. I never ask Navy Federal to withdraw my application. Navy Federal never emailed and stated I needed to pull another credit report. 
Due to misrepresentation and lack of transparency I would like Navy Federal to honour my existing 2.875 % loan application rate, allow me to lock into a lower rate as well as waive any and all loan origination fees for the hassle of lodging a complaint and mistreatment of a 30 year XXXX XXXX Veteran 's son.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe (OR)

Conserve Employees show last collection made on account was in XXXX yet they falsely reported a collection attempt in XXXX of XXXX. They don't even have record of the collection attempt in their records and still falsely reported an attempt to collect an already paid off debt.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Early Warning Services, LLC (NY)

Scammer claiming to be a billing agent for XXXX XXXX called and said my electricity would be shut off if I did not immediately pay a bill of {$490.00}. I agreed to pay and they said I needed to use Zelle and put my case number in the note on the Zelle payment. 
I was assured that I could pay the bill in person at a XXXX  XXXX, but I had the option to pay through an app. 

I checked my bank statements and saw that my XXXX XXXX bill is autopayed from my XXXX checking account and was paid recently. 

Called XXXX to have them cancel the payment and they said there was no recourse because I had approved the payment. I did indeed approve, but only because I THOUGHT I was paying a utility bill, not a scammer. Scammer required I put " XXXX '' in the memo for Con XXXX billing. 

XXXX said they would investigate, but shouldn't Zelle be accountable for these fraud schemes? 1. They are making money from illegal transactions. 2. For larger payments, there should be some delay or buffer to prevent this. 3. Zelle should be able to easily connect user activity to an individual and hold them accountable. It's not hard. 


The banks that own Zelle are abetting criminals.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

On XX/XX/2022 I successfully completed the terms of my credit cards settlement agreement with XXXX card ending in XXXX with XXXX XXXX, XXXX, account # XXXX. On XX/XX/2022 XXXX wrote me a letter stating that my agreement has been settled. 

On XX/XX/2022 my account with XXXX was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : XXXX XXXX XXXX XXXX, XXXX Client Account # : XXXX Our Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX This letter acknowledges the receipt of payment ( s ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved.

Amount Paid : {$760.00} Date Resolved : XXXX
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX my social security number is XXXX and my year of birth XXXX my Macey account is XXXX my complaint is that Macey fraud dept closed my account thinking that the account was fraud I told them that all charges are valid. Also I've been a good customer with them van you please have Macey credit set me up a new card
Consumer complaint received 2024-05-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Clear Mortgage Capital, Inc. (CA)

I closed on a XXXX XXXX  in XXXX, CA on XX/XX/2024. Throughout the purchase process, over a year, I was told by XXXX XXXX I have the option to lease or buy my solar panels for {$15000.00}. Buying was always my choice. XXXX XXXX reps consistently told me they will send wiring instructions a few days before I close. They never did. As I was signing my closing documents on XX/XX/2024, a Saturday, I notice the solar panel cost was included. I pointed this out to the notary. I mentioned it again to the builder and lender reps on XX/XX/2024 before I picked up my keys. 

Later that week, I explained the situation to XXXX XXXX of Clear Mortgage Capital. He told me he would amend the loan and send wiring instructions so I can purchase the solar panels and not have them included in my mortgage. Then he told me, XXXX can not take the solar panels out, it's included in the purchase price. All solar panels for new construction in CA must be included in the purchase price. 

I asked him, what California law states the cost of solar panels for new construction must be included in the purchase price of the home? He did not provide the California law. 

If a buyer choose to lease, they have to lease through XXXX for 20 years, if you choose to buy it must be included in the purchase price. Financing solar panels for 30 years. That does not make sense.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC. (NV)

Is there something attached to my personal information where I'm possibly linked to someone or something? No matter what falls off my credit or how I'm in process of repair. For 3 years straight. Everything thing I apply for, even the most redundant application, is always immediately an out right NO. It's affecting my life in the most detrimental way and having huge negative effects on XXXX XXXX. Enough is enough. Please advise if I am under a redflag or list that blocks all approvals. Or please advise. I have reviewed most credit reports and don't see anything life altering. Thanks.
Consumer complaint received 2021-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

We keep getting Unknow fees added to our mortgage payment each month. When calling several times and on phone for long periods of time, none of the employees can answer what these fees are and why we have them. They say email the loan department as they dont take any calls XXXX how can I not even speak with the loan department in 2021 ) and then wait 30 days. You wait and then receive a decline email with no answers. SHELLPOINT MORGAGE-stop taking peoples money.
Consumer complaint received 2020-01-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I was in a accident in XXXX. I have loan with XXXX  XXXX. They have no remorse for there customers. Im trying to refinance my car to go to another bank but I cant because I was reported late to the credit bureaus. This is a severe situation. I believe there ploicy is to keep you with them. I pleaded with severe hardship.I lost an XXXX and Im so distaught my family is to I need help please I need the XXXX late removed please
Consumer complaint received 2018-02-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Several people from this place called my phone and my husbands, claiming to be working for Capital one and XXXX XXXX XXXX wanting me to pay an old Capital one debt. I asked them to send this in writing. They did not. They tried several times to collect money from me over the phone, saying that it was not handled properly and that I owe Capital one a lot of money. They said I have to make arrangements. I was connected to several different people. I am XXXX and would appreciate them leaving me alone when I asked them to. I asked for something in writing and they said they would but instead keep calling up to 5-10 times a day telling me to call immediately.
Consumer complaint received 2022-01-13
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: EQUIFAX, INC. (GA)

XXXX XXXX Equifax is reporting unauthorized information on my credit profile. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

From XXXX I had an auto loan. In XXXX I paid it off. During that time I was several times late with payments ( 30 days ). My first delinquency was in XX/XX/XXXX, then XX/XX/XXXX, in XX/XX/XXXX and then XX/XX/XXXX. I have a credit reports dated beginning of this year XXXX XXXX ) proving this information. In XXXX I called credit bereaus with a request to remove this account from my report because it's been 7 years from my first delinquency. The answer was - your first delinquency was in XX/XX/XXXX, so you have to call in XXXX and we'll remove it. So, I called 2 days ago, on XX/XX/XXXX ... and now I was told that my First delinquency was in XX/XX/XXXX and now I need to call them back in XXXX .... So I requested a new credit reports from all 3 bureaus and those report now showing a different data from for e.g. XXXX reports. So, instead of removing account, they just changing Late payments to in-time payments, 1 by 1. Month by Month. I disputed this account 10+ and every time a hear a new excuse why they don't remove it. I'll attach a copy of reports for that account.
Consumer complaint received 2023-03-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CMG MORTGAGE, INC (ME)

1. XX/XX/XXXX : I contacted XXXX XXXX, NMLS # XXXX, of NextMortage, NMLS # XXXX, to obtain a mortgage for a property I would be purchasing in Maine. 
2. XX/XX/XXXX : I received a pre-qualification letter. 
3. XX/XX/XXXX I sign my Intent to Proceed documentation at 5.8750 %. 
4. XX/XX/XXXX : XXXX states Once my rates are out for today, we can get that secured for you with a XXXX lock with ample time to get us through your proposed closing date of XX/XX/XXXX. 
5. XX/XX/XXXX : XXXX request information on loan terms. XXXX fails to reply. 
6. XX/XX/XXXX : XXXX sends interest rates to XXXX for rate lock selection. 
XXXX questions XX/XX/XXXX, rate lock statement. XXXX fails to answer question. 
XXXX select 6.25 % with 0.2 points. ( Above my Intent to Proceed documentation ) XXXX receives a Change in Loan Terms document. 
7. XX/XX/XXXX : My closing attorney XXXX & XXXX question XXXX on why XX/XX/XXXX rate lock did not happen. XXXX states I did not communicate to her after XX/XX/XXXX to lock my rate. This is untrue as I questioned here by email on XX/XX/XXXX. XXXX did not reply. XXXX signs rate lock document. 
8. XX/XX/XXXX : XXXX signs Closing Disclosure document. 
9. XX/XX/XXXX : XXXX AM Closing postponed. 
10. XXXX leaves employment at XXXX sometime before my closing. 
11. XX/XX/XXXX : XXXX AM Closing postponed. 
12. XX/XX/XXXX : My Clear to Close notice is delivered by email from a XXXX XXXX ( NMLS # XXXX ) and XXXX XXXX ( NMLS # XXXX ) who continued the bait and switch rate scam begun by XXXX. 
13. XX/XX/XXXX, XXXX PM Mortgage Closing Takes Place
Consumer complaint received 2022-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OK)

After reviewing my Fedloan account XX/XX/XXXX, I noticed that my Outstanding interest had been {$30000.00} but was changed to {$21000.00}. Consequently, the Principal Balance had been {$180000.00} but was changed to {$190000.00}. I had not made any recent payments, nor did I place a request for this change. 
In my letter to XXXX, I informed them that this change in distribution will significantly affect the amount of interest on the principal when student loan repayment restarts after XX/XX/XXXX. 
I contacted Fedloan servicing on XX/XX/XXXX concerning this change and the customer service representative was unable to determine why the change was made and who authorized it. After several times placing me on hold during the call, she finally informed me that I can request an account review. 

After reviewing my account on my own, I noticed that the adjustment is on a payment of {$8300.00} which was made by my employer on XX/XX/XXXX. This payment was initially applied to the principal. However, sometime in XX/XX/XXXX, this payment was split so that {$300.00} remained paid to the principal while {$8000.00} was moved to pay interest. My understanding is that all payments would be applied to principal during the pandemic. 

I would appreciate if this matter can be investigated.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I am writing to express my disappointment regarding the ongoing unresolved issues with my hard inquiries. On XX/XX/2023, I sent my first letter in hopes of having them resolved. However, despite my follow-up letter on XX/XX/2023, I regret to inform you that the inquiries have yet to be removed. I kindly request your immediate attention to this matter and a prompt resolution of the issue. Thank you.