davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo gave me the option to not pay two months of my mortgage because of the hurricane that hit Florida in XXXX. They said they would modify my loan putting those payments at the end of the loan. In XXXX they sent me papers to sign but my father was still listed even though I told him that he passed. I had to bring in his death certificate in so they could take him off. Me and my father bought our house together with the right to survivor clause with my mother signing away any rights to the house if he passed. This was done at the closing. When they sent me new papers to sign they put my mother on the mortgage making her financially responsible for the house. They did this on their own without any permission. I called and asked why they put my mother on and they said that when one spouse dies the law in Florida says that they assume his debt. I was told to get a quick claim deed and file with court house and send them a copy and they would take her name off. I did go and was told that my mother is not on the deed and you cant take someone off if their not on the deed. I went there to verify that she was not on anything relating to the house. I reached out to the bank and they put me in touch with their executive office after I said I was going to consult an attorney. That was in XXXX and still nothing has been resolved and to make matters worse they are charging me delinquent charges over {$4000.00}. They said it will go away once me and my mother sign the papers. I am current on my payments never being late. It is like they are forcing me to put my mother on the mortgage. I talked to them on XX/XX/XXXX and was told that they are working on my case they never reach out to me except letters telling me about my delinquent charges.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Every time I try to register on XXXX I am given the error message that my personal records don't match the records of the Credit Bureaus. I tried to register on XXXX XXXX XXXX XXXX  and I'm having the same issue. Obviously my SSN has never changed. I keep trying my past addresses and I'm having similar issues. I pay my own auto insurance, phone bill, subscriptions to Satellite Radio/XXXX/streaming services but I've never taken out a loan or credit card. I paid cash for my college tuition and cars. Could the limited credit history be my issue? I find it hard to believe I don't have any credit history at all? Thanks
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Russell Collection Agency, Inc (MI)

The Russell Collection Agency is reporting a collections account that has been included in my bankruptcy. They have two accounts on my credit reports : {$90.00} Opened XX/XX/XXXX ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX Closed No Info You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A G-XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$29.00} Highest Balance {$29.00} Opened XX/XX/XXXX ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX Closed No Info You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A G-XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Consumer complaint received 2023-02-24
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (FL)

We have been working on a Short Sale since XXXX ( See attached Document named " Summary of Events with Citi Mortgage on the Short SaleXX/XX/XXXX '' ). The lender has given excuse after excuse why it has taken so long to evaluate the offer. Their continued inexplicable delays caused the original buyers to walk from the deal after the contract expired ( 180 day ) despite having a complete package the entire time. Immediately, after the other buyers " walked '', we submitted another Cash offer and complete package at the direction of the lender for the same price. It was provided directly to them AND their local counsel ( See Attached ). The Lender performed an appraisal just a few weeks ago ( attached ) that supports our offer price and  assures them they will NET what they desire. 

The Lender and their Counsel have refused to the cancel the sale next week despite continuing to work on the short sale offer, asking for documents they already have and admitting receipt of a complete package. This unfortunately is not surprising since they have continued to push forward with the foreclosure sale despite having an open loss mitigation alternative. They are simply dual tracking this foreclosure case and not acting in good faith. Previously, they failed to cancel the trial despite admitting to be in possession of a complete package/short sale offer for months. This is the definition of DUAL tracking. CITI is simply is trying to drag this out and force foreclosure when a SHORT SALE offer is in their possession which is a cash deal that NETS them exactly how much they require. This is a WIN WIN situation for both parties. There is no reason not to postpone the sale and approve the Short Sale Immediately which benefits all parties. Why are they allowed to move forward with a foreclosure case including a trial and sale when they had a complete package since XXXX ( verified by their counsel on XX/XX/XXXX ). 

Again, They are DUAL TRACKING this foreclosure Case and have been since in inception. PLEASE HELP!!!!
Consumer complaint received 2018-07-25
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. (CA)

I was discharged with chapter XXXX bankruptcy docket # XXXX in XX/XX/XXXX. XXXX, TransUnion, XXXX are all reporting the wrong dates ( XX/XX/XXXX ), BK should be removed off my credit report, only reports for 10 years, discharged XX/XX/XXXX. Told XXXX to verify there information but never responded back, I also took the liberty to call the court house and they verified with me that it should be off of my credit report. Please delete off my credit report.
Consumer complaint received 2018-07-25
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. (CA)

I was discharged with chapter XXXX bankruptcy docket # XXXX in XX/XX/XXXX. Experian, XXXX, XXXX are all reporting the wrong dates ( XX/XX/XXXX ), BK should be removed off my credit report, only reports for 10 years, discharged XX/XX/XXXX. Told Experian to verify there information but never responded back, I also took the liberty to call the court house and they verified with me that it should be off of my credit report. Please delete off my credit report.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (MD)

We are writing to file a complaint against Freedom Mortgage company, XXXX XXXX XXXX XXXX XXXX, FL, XXXX, Lender NMLS ID : XXXX. This is due to misleading but damaging negative reports Freedom Mortgage has supplied to XXXX and XXXX about both of us, which has affected both our credit ratings negatively. 
These credit reports state that we paid our mortgage payment late for XX/XX/XXXX with Freedom Mortgage. This is inaccurate. We paid on time, as per usual, but the payment was short {$59.00} each, because we were unaware that a recent analysis of our escrow resulted in a slightly increased monthly payment. We rectified this issue as soon as we were aware of it on XX/XX/XXXX. Nevertheless, my husband 's credit rating, which has been well over XXXX points for many years, has dropped from XXXX to XXXX with XXXX on XX/XX/XXXX and from XXXX to XXXX with XXXX on XX/XX/XXXX. 
We subsequently wrote to Freedom Mortgage and requested that they retract these negative reports to the credit agencies, but they refused on XX/XX/XXXX. Yet, we received no letter in the mail last XXXX or XXXX from Freedom Mortgage regarding the escrow analysis / higher payment, nor any letter about the incomplete payment that was deemed late. Neither of our mobile phone numbers were called by Freedom Mortgage. While I did receive a couple innocuous emails with the subject line You have a new letter available, I do not recall consenting to only electronic notices for this loan number. Furthermore, there was nothing in the subject line to indicate that this was an important and urgent matter to distinguish it from the literally hundreds of emails I receive on a weekly basis in my email ( which is why I don't consent to electronic notices ). My husband received no emails regarding this matter. 
While it may seem, given our current still good credit rating, that this complaint is not warranted, we have plans to take out another mortgage and every point in a credit rating counts as far as the interest rate for which we will be able to qualify and the amount of the payments we will have to make. Also, its just wrong that Freedom mortgage can be so careless in their communication with us about such an important matter and have it affect us - and continue to affect us - in this negative manner with no consequence to them.
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (OH)

XX/XX/XXXX, Midwest Recovery Systems hit all 3 Credit agencies for the amount of XXXX. They are stating the original lender is XXXX XXXX XXXX. There has never been any notification sent out about this debt as well as no information verifing this debt. However now when they have the ability to automatically report non-verifiable debt causing an instant decrease in my credit scores.
Consumer complaint received 2018-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been trying to fight erroneous information on my credit report for about 4 months. I am married to XXXX XXXX who submitted a complaint right before this one.

I supplied my drivers 's license and a dispute to all 3 credit bureaus last month, and to date, I haven't received any results!

I can't call them because I don't have a report number which is nonsense, my job 's review is coming up and this information will have me lose my security clearance which will have me lose my job!

There are several addresses where I never lived, and several different names that is not mine. I believe because I am an XXXX there is confusion about my name. I want all my information to be accurate and the company 's seem to be stalling. I will attach all 3 disputes that were submitted, and a copy of my driver 's license.
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

MIDWEST RECOVERY SYSTEMSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX HAVE BEEN VERY AGRESSIVELY ATTEMPTING TO COLLECT ON A DEBT THAT DOES NOT BELONG TO ME IN FIRST PLACE. THEY REPORTED A COLLECTIONON MY CREDIT REPORT CALLED MY HOUSE, WORK AND NOW CALLING MY RELATIVES AND ONE CO-WORKER THREATENING TO SEND POLICE TO MY HOUSE FOR ARREST IF I DIDN'T PAY THIS COLLECTION..PLEASE HELP THIS IS REDICULOUS AND NOW I FEAR FOR MY WELL BEING AND REPUTATION IN THE SOCIETY
Consumer complaint received 2024-04-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Stratus Financial LLC (AZ)

I previously allowed the company to take automatic payments and requested for the automatic payments to stop and they refused saying it is required for my loan. The company is also using a credit card to disburse payments to my school in which I am being charged an extra fee for credit card payments when the final loan documents did not have that as a disbursement option.
Consumer complaint received 2019-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

Fed Loan Servicing services When I started services with Fed Loan services, I was under the impression that I was making payments towards the student loan forgiveness program. 
In order to qualify for this program, I was supposed to work in a health administration office for several years and that qualified me because at the time, I was working for XXXX XXXX XXXX. 
I was re-certifying with Fed loan services and making payments as scheduled, but noticed that balance was never going down. 
I called Fed loan services, in XXXX and was told by a representative that I was not in the forgiveness program, but that I was in the re-payment plan.. I explained that when I first started with fed Loan services, that I was supposed to be under the forgiveness plan and that by this time, my loans should be forgiven.. Representative stated, ( XXXX ) stated that he would send me the application needed for me to fill out and send back to them to be on that program. He also stated that all my years of working in the health care industry would be taken into consideration. I filled out the application and advised on the application that the company, I previously worked for is closed but that I have all my income tax paperwork if needed. I also submitted information to the phone number and address to the corporate office to where I worked. 
Submitted all the information and waited -- Supposedly in 7-10 business days, I would get a response. Days passed, I called Fed-loan and representative explained that it was still in process.. Representative also stated that reason it was taking so long is because they did not have information for my previous employer.. I explained once again that i submitted all I had and also contact information., I was then told that my paperwork was still under review and that I needed to wait. 
I have called several times, and have been told that my paperwork is in compliance and that I must wait for an answer.. 
Then I have been told by supervisors that I should be receiving an answer within a couple of weeks.. 

I come to you because I applied for this in XXXX of 2019, and we are now in the month of XXXX and I have yet to receive an answer in regards to my application for the student forgiveness program from Fed Loan, This is horrible.. My student Loan should had been forgiven months ago, but yet as I can see, I am under the re-payment plan and still my balance has not gone down, but as a matter of fact increased due to interest.. 

I am in need of assistance.. I am in need of help.. I have yet to hear from anyone in Fed Loan. 

My name is XXXX XXXX XXXX My phone number is XXXX Please help me, Thank you Kindly, XXXX XXXX XXXX
Consumer complaint received 2018-07-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I sent XXXX, Experian, and XXXX my FTC ID Theft Report # XXXX & XXXX Texas Police Report # on XX/XX/2018. I asked by letter that and the fraudulent accounts : XXXX XXXX ( {$100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1600.00} ), and XXXX ( {$1400.00} ) be BLOCKED from my credit file under the FCRA section 605B. Talking with XXXX ( rep XXXX XXXX ) on XX/XX/2018 at XXXX XXXX central time he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, XXXX, and Experian received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.
Consumer complaint received 2022-01-08
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. (TX)

XXXX continues to report inaccurate information to my consumer credit file. This account was fully paid off by my insurance provider due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. By reporting this account inaccurately XXXX is in violation of the FCRA. This account was fully paid off.
Consumer complaint received 2018-07-25
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RoundPoint Mortgage Servicing LLC (TX)

On XXXX XXXX a investor representative from XXXX, Texas contacted me on my cell XXXX to alert me that my home was going to be place on a foreclosure for sale in XXXX County for {$260000.00} on XXXX XXXX. 
XXXX County Court Judge could be approving the foreclosure sale of my home, as Texas Laws are more in favor with major mortgage lenders and investors.

Round Point wanted me to more do VA Loan modifications and I just decline their offer, because of the sale of my home was unlawfully inflanted to get a high value in XXXX. 
New VA Lender will not reduce the price of my home to {$160.00} or $ XXXX in which on XX/XX/XXXX, this was suppose to be the price of the home and not {$240000.00}. 
My VA Loan is in fraud, scandal and corruptions and VA will not do nothing about it.

Now, New VA Lender Round Point Mortgage wants to put me in collection and ruin my credit and place on collections. 
I am XXXX XXXX and Retired and on Medical Care treament with XXXX XXXX XXXX in XXXX, California, since XX/XX/XXXX till XX/XX/XXXX. 
My home is not vacated as all my furnitures and personal property is in my house. 
Round Point is putting me out in the street with my XXXX status. 

Very Urgent Matters
Consumer complaint received 2018-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (NY)

Ive had a chase auto loan since XX/XX/XXXX. Ive never had ONE missed payment. However, Im XXXX XXXX in the military and missed two monthly payments as my family switched bank accounts while I was XXXX. I just added my new bank account however, Im worried about what this is going to do to my credit. Last time this happened was 2 years ago and the Chase Auto loan specialist fixed everything on the phone and made sure I wasnt getting charged extra and that my credit wasnt going to get affected by this. He did this by backdating I believe. But now the same problem is occurring once again and Ive spent 3 hours on the phone with Chase, fighting and trying to fix this. Chase transferred me to the military line and theyre investigating my profile and XXXX XXXX dates because my profile meets the FDRA requirements and will cap my interest rate at 4 %. This is good, but it can take 30 days or longer, which isnt good especially for my credit. The chase auto loan specialists were pretty rude on the phone. I spoke to one who didnt know what he was talking about and then notified him that the previous chase specialist in XXXX fixed everything and backdated it for me and I hadnt had an issue in 2 years. I asked him to do the same thing for me and he refused. This is against FDRA policy to do this. Anyway, I not only linked my new bank account for autopay on this account but I called again and spoke to XXXX, a supervisor at XXXX EST and we got the account current for the months I was XXXX. Now that that is all done, he said to do this to get the additional fees removed for return check fee and late charges. Returned check fee is because I switched banks and the late charges are from my XXXX. Im XXXX again in a couple of days so please fix this and get the fees taken care of chase and please make sure that these two payments are not going to negatively affect my credit. I will pursue this in small claims court if I have to. Thank you.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

Paid the principle, informed the company that all interest would be paid at the end of the loan. 

Also they do not provide a loan number on this issue, which means they do not control it either. Whatever bank is holding this loan does not have any authority to sell it. It does not belong to them, but to ME. 

I expect this CFPB to take legal action and forward it to the department that does investigations on real estate fraud.