davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

On XX/XX/XXXX, my wife XXXX and I executed a mortgage to purchase our first home. For the last few years the servicer has been New Rez d/b/a Shellpoint. We recently refinanced, and on XX/XX/XXXX, the mortgage serviced by New Rez was paid in full. At the time of the payoff, the balance in the escrow account was {$5100.00}. 

By letter dated XX/XX/XXXX, New Rez provided an account history confirming the above escrow balance and stating that " the escrow balance of {$5100.00} and the unapplied fund balance of {$98.00} will be refunded to you in 20 business days of the paid in full date. '' Together these amounts total {$5200.00}. I have attached the letter and account history. 

On XX/XX/XXXX, we received a check from New Rez dated XX/XX/XXXX in the amount of {$3700.00} without further explanation. That's {$1400.00} less than the amount required to be refunded under 12 U.S.C. 2605 ( g ). I have attached the refund check dated XX/XX/XXXX. 

On XX/XX/XXXX, I called New Rez to notify them of the error and demand that it be fixed immediately. The representative ( XXXX XXXX ) spoke with a supervisor and informed me that New Rez made a PMI payment of {$490.00} on XX/XX/XXXX - well after the loan was paid in full. ( {$490.00} is equal to 3x the monthly PMI premium of {$160.00}. ) Accordingly, XXXX XXXX stated that we should expect to receive a second refund check in the amount of {$990.00} XXXX $ XXXX {$490.00} XXXX within XXXX business days. 

New Rez erred in advancing funds for PMI after the loan was paid in full. If, as New Rez contends, the {$490.00} for PMI was due since the beginning of the loan, it had an obligation to pay those amounts promptly and adjust the escrow account accordingly. In the more than six years since origination of the loan, New Rez failed to do so, in violation of applicable law.

Moreover, even if it was proper for New Rez to make the payment of {$490.00} for PMI after the loan was paid in full, New Rez erred in failing to refund the amounts remaining in the escrow account at the time the loan was paid in full, in violation of applicable law. 

We appreciate your help in rectifying this situation and holding New Rez responsible for unfairly and illegally withholding funds which they were required to promptly return to us upon payoff.
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (IL)

I currently have a pending complaint with Mohela regarding adjusting my payment to reflect the estimated payment provided when I submitted my application. I have recently noticed that Mohela has canceled both of my applications, one sent in XXXX and XXXX XXXX XXXX, without notifying me as well as providing me a reason as to why they were canceled.
Consumer complaint received 2023-01-22
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)

Hello, I have contacted XXXX, XXXX, and TransUnion about removing the alleged medical debt under {$500.00}. However, each agency has not done so and refuses to. On top of this issue, two out of the three providers locked me out of my account after my formal request. Please let me know how I can remove these debts and also please hold these companies accountable for their lack of service. Please see what information I was able to access after numerous attempts to contactact/dispute this information. 

Account Number : XXXX Ballance : {$100.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$3.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$44.00} Alleged Date Opened : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-01-30
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. (TX)

The reporting company is using outdated information on XXXX XXXX  XXXX account XXXX. 
I am providing updated paperwork if the account where I am not a co-signer/co-buyer/guarantor. 
I signed paperwork as the authorizer of a company only.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2021-07-13
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: Experian Information Solutions Inc. (MO)

I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/21 without a response. I really would like help in this matter. The misleading information is causing me financial stress.
Consumer complaint received 2016-09-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (TX)

Please be advised that this complaint # XXXX against GM Financial has not been resolved. I am alleging that GM Financial engaged in deceptive trade practices along with XXXX XXXX who paid GM Financial via my bill pay account. Let 's try to communicate the facts that need to be answered once again. XX/XX/XXXX, GM Financial received a car payment that XXXX XXXX alleged had the incorrect mailing address but correct GM Financial Account number. Following the XX/XX/XXXX payment, the XX/XX/XXXX and XX/XX/XXXX payments with allegedly the same incorrect mailing address and same correct account number were not received by GM Financial. I asked GM Financial to produce all internal records to prove that they did receive the XX/XX/XXXX payment with the wrong address but correct account number and to prove that they did n't receive the XX/XX/XXXX and XX/XX/XXXX payments with the correct account numbers from XXXX XXXX. I explained that XXXX Bank refuse to provide me with all three mailed, returned, and cancelled checks and therefore, I was requesting the XX/XX/XXXX cancel check from GM Financial and the XX/XX/XXXX and XX/XX/XXXX returned mailed checks from GM Financial and the XX/XX/XXXX and XX/XX/XXXX cancelled checks received by GM Financial in order to prove that they had nothing to due with the deceptive trade practices and fraud of XXXX XXXX. GM Financial refused to provide me with this material information to exonerated themselves of engaging in deceptive trade practices and fraud. GM Financial refusal to provide me with the internal documents for my car payments was based on deception and fraud. These incidents of fraud occurred before I return the vehicle in and the fraud was the reason that I return the vehicle in. Let me repeat myself, the deceptive trade practices and fraud occurred before I returned the vehicle and it was the reason that I returned the vehicle. Until GM Financial provides me with the internal car payment records specified in this complaint ; then, they knowingly and intentionally engaged in deceptive trade practices along with XXXX XXXX who also refused to provide me with the internal records and stated that the cancel checks were destroyed which is a violation of federal document retention laws.
Consumer complaint received 2015-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CA)

In 2012 we applied for a loan modification to Sovereign on a fixed interest mortgage on our {$750000.00} loan in 2012 due to extraordinary hardship due to downturn in our business as architects and engineers. The interest is 6.25 %. We were denied a loan modification due to some minor issue in the application and were asked to reapply. We ended up reapplying and getting denied about 4 times. The last time we were rejected on a very trivial issue. We complained to supervisors but to no avail. Then almost immediately the mortgage processing was taken over by Santander Bank ( when we called them to apply for loan modification it was the exact same staff as Sovereign Bank ). We were so upset we gave up till now. We have been struggling due to the economic downturn we ended up being a few days late on some mortgage on XXXX occasions. This has prevented us from getting refinanced, also because our income has reduced due to the downturn, we are not able to qualify for current loan refinances. 
We feel that all the interest we have been paying is unfairly charged. We should have been given a loan modification but were denied unfairly. We would like a loan reduction and refinance to a low interest rate. We currently owe {$630000.00} and {$48000.00} second fixed at 7.95 % interest to XXXX XXXX XXXX which was financed at the same time by our original loan broker as an interest only loan which comes due 2018. We still owe the {$50000.00}.
Consumer complaint received 2022-09-11
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. (MI)

On XX/XX/22, I filed a complaint # XXXX with the CFPB concerning the reporting of an old account from XXXX XXXX XXXX Part of my complaint was that I had requested the payment history. 
It has been far past the 30 day limit and as of XX/XX/22, XXXX XXXX has NOT provided the payment history for the account they have been reporting. Because doing so would prove my claim. 
This account MUST be deleted for at least 3 reasons :.

1. It's been more than 7 years since the last activity on this account 2. XXXX has failed to respond timely to my request on XX/XX/22 for the payment history, and the most reckless and fraudulent act. 
XXXX. XXXX filed a 1099-C against me to the IRS for {$12.00}, XXXX. This amount included all interest and fees which is illegal and considered a fraud against me and a fraud against the US Government. I have no idea how XXXX came up with this amount since for the past 7 years the balance they have been reporting was {$11.00}, XXXX.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.
Consumer complaint received 2021-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (WI)

I honestly feel I am being discriminated against to getting any type of loan. How am I to build my credit score ( as they say they would with individuals with less than perfect credit ) when I can not be approved? I feel as my name and me being a minority I am constantly denied.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I filed a dispute online with Experian regarding the information being reported by XXXX. I disputed the high limit amount which is incorrect along with the number of late payments. The date of XXXX delinquency was XX/XX/XXXX. I received notice that the investigation was complete and the account was updated with " disputed meets FCRA ''. I did not receive any proof. Experian also changed updated this item and changed the date it would be removed to XX/XX/XXXX. They have added 3 years to this date. A dispute does not change the date of first delinquency and this re-aging of this debt is illegal.
Consumer complaint received 2016-07-19
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

When applying for a loan to refinance my home I received what I felt was an unfair home appraisal. When I explained to my loan officer something seemed way off as there was an approximate {$50000.00} difference I was left to believe I could fight it but they rarely get overturned. After receiving a copy of the home appraisal to review 6 days later in the mail I immediately sent an email the following day stating the issues that I found and requested they look into the discrepancy. I was contacted by an escalation team the following day only to be told my loan was closed and that I needed to fill out another application. I questioned what the timeframe was to dispute an appraisal and have been waiting 4 business days for a response. I have requested to speak to a manager several times however the associate told me they would not be contacting me until they get an answer from their underwriter regarding the timeframe to dispute a loan. After listing my concerns with the loan officer to the escalation associate and stating I refused to work with them further and requested a new loan officer be assigned to me I was still told I needed to work with my current loan officer to fill out another application. The service has been the worst I have ever experienced.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I RECEIVE A CALL FROM A COLLECTION CO STATING ABOUT A DEBT I OWED ON A TV SERVICE. I HAVE NEVER APPLIED FOR TV SERVICE, IQUICKLY OPENED AN ACCOUNT WITH XXXX  XXXX TO REVIEW MY CREDIT REPORT. I FOUND STUDENT LOANS AND OTHER FRAUDULEDNT ACCOUNTS I HAVE NEVER OPEND OR GAVE ANYONE CONSENT TO OPEN PLEASE DELETE THESE ITEMS FROM MY ACCOUNT
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I RECEIVE A CALL FROM A COLLECTION CO STATING ABOUT A DEBT I OWED ON A TV SERVICE. I HAVE NEVER APPLIED FOR TV SERVICE, IQUICKLY OPENED AN ACCOUNT WITH XXXX  XXXX TO REVIEW MY CREDIT REPORT. I FOUND STUDENT LOANS AND OTHER FRAUDULEDNT ACCOUNTS I HAVE NEVER OPEND OR GAVE ANYONE CONSENT TO OPEN PLEASE DELETE THESE ITEMS FROM MY ACCOUNT
Consumer complaint received 2020-07-13
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. (OR)

I spoke with Dept of edu they advised the Administrative CARES forbearance was applied to my student loan. They advised they reported back to both credit unions in regards to this issue on XX/XX/XXXX it is now XX/XX/XXXX and the 80+ point drop in my credit score has not been corrected. It is hard enough as a women of XXXX to get ahead and an 80+ drop in my score impacts my life greatly. I have worked entirely too hard for a mistake I had nothing to do with having such a negative experience is extremely disheartening. I have since reached out to the credit bureaus but they dont care obviously Im just another number. Theres so much red tape and we dont get the immediate correction deserved. If there is a number I can call to get this worked out ASAP please let me know.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Four times XXXX XXXX XXXX has given me 30 days delinquencies when I was NEVER late once. Each time I had to go through a two month process until they corrected each one. 
Latest was I spoke to them was XX/XX/XXXX about a payment due of XX/XX/XXXX. They said I did not owe anything for the XX/XX/XXXX bill. They said going forward to the XX/XX/XXXX bill, all I needed to do was final payment on loan. I asked to pay it off anyway XX/XX/XXXX to keep it in the XX/XX/XXXX invoice 30 day cycle. My payment was taken over the phone and I saw it was taken out of my account following day as normal. 
A couple days later I received alerts that I had been reported as late! Not only had I made the payment timely, but I had been told by TWO different people that I did not even have one due!! 
When I called to inquire about this twice, I was just told that no one could figure it out and it would have to go to a dispute again, which takes two months and I am not even allowed to talk to anyone in the credit department. 
If this happened once, maybe it is an accident, but four separate times?? They do not care that this lowers my score about 50 points each time it happens.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CARS Acquisition, LLC (AL)

To be honest i don't know what happen the finance service appeared on my credit report and I've never financed a car through them they appeared on my credit in XX/XX/2019 car financial services i tried disputing it but it came back that it was correct but its not i haven't financed a car in about 10 years and this company wasn't the company i went through and the car is paid off so i meed this removed off of my credit report..
Consumer complaint received 2021-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (VA)

I am very frustrated with this matter. I have been trying so very hard to have this incorrect account removed from my credit profile. This has been on my credit profile since XX/XX/2017. I have sent an affidavit of truth certifying that this company Receivables Management System is in clear violation of my federally protected consumer rights. They have not supplied me with any supporting documentation showing that in fact this debt is mine. I have not received any supporting documentation from them since XX/XX/2017. I've received no phone calls. And yet, they continue to report this false information to XX/XX/XXXXas well as continue to add finance charges ( 15 USC1692 F ) ( 1 ) I've read the Fair Debt Collection Practices Act, and I realize that as a consumer I have many protected rights. This company has caused a tremendous amount of undo stress, sleepless nights, and extreme anxiety. I've read that it is against the law to publish any information that would be used to create the false belief that I the consumer am a willing participating in the debt collection, which I AM NOT ( 15 USC 1692 j ) Also if you take a look at the document I've provided you will see that the original creditor listed on this collection account is Patient First.. Because my name is not listed as the original creditor they are in fact in violation and have furnished a deceptive form. I feel as if since XX/XX/2017 my reputation has in fact been ruined. This day and age EVERYONE looks at a persons credit report ( Employment, Insurance, Credit Cards, etc ) Receivables Management Systems has not been fair to me. According to the Fair Debt Collection Practices Act : FDCPA 15 USC 1681 it states that our consumer reports are our reputation. Please take a look at my credit report which I have attached. This collection account has been furnished to XX/XX/XXXXand has immensely impacted my credit scoring in a negative way.
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: EQUIFAX, INC. (NY)

XXXX Bank 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 Bank 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/2018 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/2018 this had gone on far too long and my credit was ruined and my house is in foreclosure.