davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I write today in the hopes of getting a loan modification that will settle XXXX XXXX XXXX  XXXX foreclosure lawsuit once and for all. I would also like a full accounting of my loan account. 

Since 2009, I made numerous attempts to modify my mortgage with XXXX XXXXXXXX XXXX XXXXXXXX, through its servicer, XXXX. Each modification had an issue. When the lender sent its last modification, after I completed their trial modification, the lender included a settlement agreement and release. When I questioned why I am being asked to execute the settlement agreement, I was not afforded a response. 

I researched and learned that the lender is being sued across the country fraudulently denying loan modifications. XXXX XXXX XXXXXXXX XXXX XXXX and XXXX admit there was a glitch in the loan modification calculation software which caused wrongful denials of many mortgages but chose not to correct the error and fraudulently foreclosed on many homes. They did not inform the public. They denied my loan modification requests on numerous occasions as a result of this glitch. Each time I received a proposed modification from XXXX, I questioned the fees, costs and balance due. I even received a modification that was outside the guidelines provided by the HAMP and TARP programs. I made them aware and was told I had to take or leave it. They failed to follow and apply HAMP guidelines at one point as well. With the proper calculation, I would have qualified to have my principal balance reduced and the loan modification would have been approved. I would not be in litigation with them more than 12 years later. As a result, interest has accrued, I was unable to take advantage of the recent low interest rates and have not been able to qualify for a mortgage. 

My license was delayed as a result of these actions. I became increasingly XXXX  stressing over losing my home. 

I now have confirmation that XXXX XXXX engaged in mortgage modification fraud. But for the diligence of my attorney, my home would have been foreclosed on as well. 

Additionally, the lender added attorney 's fees and costs even though they voluntarily dismissed their case on two occasions. I was the prevailing party. They reimbursed the attorney 's fees and costs I paid to my attorney during the 2nd case. A discovery request was made. Instead of responding to the discovery request, they dismissed the case. I would like the balance to reflect a total deducting the attorneys fees and costs and the interest incurred as a result of this fraud committed by the lender. 

When I received the most recent modification offer, I was willing to accept the modification but not the settlement agreement offering me {$7000.00} to waive my rights to sue for fraud or any other misconduct. I was not allowed to do so. I am willing and able to pay my mortgage. I more can afford the most recent modification I was offered. I just want it to accurately reflect what I owe.
Consumer complaint received 2022-10-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2020 I signed documents pertaining to the acquisition/purchase of my home at XXXX XXXX XXXX XXXX New York XXXX XXXX However the pervious property owner is in violation for failing to deliver what was promised as I am yet to be notified of acceptance as the New owner an my signature doesn't appear on the Warranty Deed ( fraud ) ( violation ) all parties are to be presented at signing 15 USC 45 , I never received the purchase money loan ( cash advance ) that entails a finance charge from The Veteran Affairs, Veterans XXXX XXXX XXXX XXXX Wells Fargo Home Mortgage , A Promissory Note doesn't constitute a loan. A LOAN means debt evidence by Promissory Note plus interest, I XXXX XXXX XXXX am yet to identify what was loaned to me by The XXXX XXXX,, XXXX XXXX XXXX XXXX and or Wells Fargo Home Mortgage. There is no Contract how can a Trustee enforce what I never accepted? There is no contract. The mortgage is the agreement that pledge the property as collateral for the loan, But once I am yet to identify what was loaned to me. There is also violation of not having the NOTICE so I assert my right not to pay all to creditors under contract, The collateral can not be the loan, the collateral is my home. Where is the loan proceeds
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX of XXXX XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XX/XX/XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA (CA)

MOHELA/DEPT OF ED Contact XXXX XXXX XXXX XXXX, MO XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$7200.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-10-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have 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 2021-10-11
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. (DC)

XXXX AND EQUIFAX ARE REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON THE FEDERAL TRADE COMMISSION FREE ANNUAL CREDIT REPORT WEBSITE. I HAVE VERIFIED MY IDENTITY USING THEIR TWO FACTOR AUTHENTICATION METHODS AND ONLINE QUESTIONS MANY TIMES AND HAVE ACCOUNTS WITH EACH BUREAU. I WAS PREVIOUSLY FOR THE PAST TEN MONTHS ALLOWED ACCESS WEEKLY TO MY ALL THREE BUREAU CREDIT REPORTS!!! I DEMAND IMMEDIATE ACCESS TO MY FREE FTC WEEKLY ONLINE CREDIT REPORT!! I AM NOT PAYING THE POSTAL MAIL TO OBTAIN A CREDIT REPORT WHICH COSTS ME MONEY!! EQUIFAX XXXX AND XXXX ARE VIOLATING THE LAW AND ARBITRILY NOT ALLOWING ME FREE ONLINE CREDIT REPORT ACCESS DESPITE SUCCESSFULLY ANSWERING IDENTITY QUESTIONS CORRECTLY!! XXXX YOUR MAIL IN FORMS!! IM NOT BEING INCONVENIENCED AND WAITING WEEKS FOR MY CREDIT REPORT I COULD GET NOW ONLINE. I NEED MY CREDIT REPORT NOW!!! I DEAMND IT ONLINE NOW!!! IM NOT PAYING POSTAL MAIL TO GET MY REPORT AND SENDING THE BUREAUS IDENTITY DOCUMENTS IN THE UNSECURE US POSTAL MAIL!! EQUIFAX XXXX AND XXXX, WHICH XXXX REPEATEDLY VIOLATES THE LAW BECUASE MY REPORTS ARE INACCUREATE, THUS PREVENTING ME FROM RECEIVING THEM!!
Consumer complaint received 2021-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have two student loans that were transferred to Navient from Sallie Mae. My payments were being misapplied from XXXX through XXXX on both loans. One of my loans had a disbursement amount of {$10000.00} on XX/XX/XXXX, I was immediately billed for a principle amount of {$23000.00} on the same date. My second loan disbursement was for {$7900.00} on XX/XX/XXXX, I was immediately billed for a principle amount of {$16000.00}. All of my payments were going to interest based upon the outstanding balances. In addition, the capitalized interest on the loan and late payments are not accurate, also I am not clear what happened when the loans were sold on XX/XX/XXXX. Navient didn't inform me that my loans were going into repayment ; as a result I have incurred a 30-day and 60-day derogatory remark on my credit reports. When I reached out to Navient after pulling my credit report, I was advised my account had a cease and desist in place. I advised Navient that I never requested a cease and desist for these two loans. I called Navient on XX/XX/XXXX and spoke with a supervisor regarding my payment history as reported on their website. I was advised Navient has two sets of records for my account, and the correct records are not what is shown on their website. I was advised I would be receiving the correct records in the mail within 4 weeks, I called back after 3 weeks to see if the records were sent and was told to wait. As of today, I still don't have those records or any clue about the accuracy of what's reported on the website. The website doesn't show figures for years XXXX, XXXX, and most of XXXX is missing as well, on both loans.
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (NC)

There are some things on my credit report that I didnt know about along with some other stuff that is incorrect. I am a victim of fraud. 
Please remove the following items : ( Accounts ) Account # XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On Friday XX/XX/2022 I disputed incorrect information on my Transunion Credit report. They have XXXX collections reported as open when in fact I have no accounts open with either of these collection agencies and these both are included in my XXXX  XXXX bankruptcy. I demanded their removal and Transunion refused as they are in violation of the FCRA for reporting very incorrect and inaccurate information. On Today Tuesday XX/XX/2022 I received notification that my dispute was completed, but I have NO results and the accounts in question have NOT been removed. According to the law, an investigation has to be completed and was NOT as I do not have results nor do I have proof one was done, and I also have not been granted access to these results ... Transunion is in violation of my rights under the FCRA
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

Took out a loan from Citibank in XXXX, I was late, XXXX  bought the loan, Citibank no longer has a student loan division. I paid off the loan in XXXX with XXXX. Citibank is still reporting it as derogatory and no one at Citibank can help. Ive called emailed and written they told me to get in touch with firstmarkservices which deals with all of Citibank student loans now. But they have no record on me. Help!!!
Consumer complaint received 2021-10-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

This is unfair. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and not provided me with copies of any documentation associated with these accounts bearing my signature, authorizing an hard inquiry. These unverified accounts affects my scores badly.
Consumer complaint received 2022-08-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Upstart Holdings, Inc. (TX)

I had XXXX call XXXX today and they said he had a separate loan he was calling to update my application so I talked to a agent I explain what was going on that I needed to change so things he said he would update it for me I gave the information he stated that I needed to send a copy of license because it was not clear I said okay he stated someone would call me to go over new rates I believe this is racial profiling my application was incomplete I have confirmation I have till the XXXX XXXX to reply I update my info I also have a co signer also on application
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (CA)

I have been attempting to modify a mortgage out of forbearance since XX/XX/2020. The communication is purposely evasive. I receive USPS mailed letters indicating my application is incomplete. The letters do no indicate what is missing. The only way I can determine what is missing is by calling the company and have a representative manually review my application to determine what is missing. Every time I call I am forced to hold for 30 minutes or more. Every time I call I get conflicting information regarding what is required of me. 

The representatives have a hard time understanding what is being requested of me. In multiple occasions I have submitted a letter of explanation to satisfy the requirement. In each instance it is explained that I must submit a different letter of explanation. 

I would assume there is an effort from this bank to prevent mortgage modifications from moving forward. The
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion Basic Dispute Letter sent XX/XX/22 & XX/XX/22 Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/22 & XX/XX/22 Accounts still remaining that have not been fully validated : XXXX XXXX  XXXX XXXX {$3500.00} XXXX XXXX  XXXX : {$2100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX  : {$460.00}
Consumer complaint received 2021-12-17
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. (CT)

In XXXX I sent a letter to the major credit bureaus disputing the information contained on my reports as most, if not all, of the reported information was inaccurate. By right they are supposed to correct or delete the information, none of which was done. After the conclusion of the dispute ( XX/XX/2021 ), all of the accounts disputed still report the same erroneous information, not to mention the fact that particularly one of the accounts shouldn't even be showing on my report. This is according to information reported from the original creditor, whom I contacted on XX/XX/2021 at the phone number contact listed on my report. According to the customer service representative XXXX with XXXX XXXX whose badge number is XXXX, they didn't even show an old account for the account number XXXX. So I asked why this account was even reporting on my credit in the first place, as it was negatively affecting my profile. XXXX agreed, but said the only way to get it removed was to dispute it with the credit bureaus, which was already done, and redundantly might I add. I let him know that the collection agency listed on the account also sent a letter confirming that they were ceasing collection of the debt. I then asked how it was that the credit reporting agencies verified the account information, if he couldn't even find any in his system for the account, to which he answered that he couldn't speak for the credit bureaus. What is the point of disputing to get inaccuracies corrected or removed if the credit bureaus don't even bother to properly verify the information they are reporting? This is not only a form of gross negligence, but also a poor lack of communication and is very arbitrary to continue to do this to consumers. The credit bureaus continue to do this and there is never any recourse, but this needs to desist before grave ramifications occur in revolt.
Consumer complaint received 2022-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC. (MD)

XXXX XXXX offered financing through Ally Bank in the amount of {$2500.00} for 4 sessions of XXXX  within a 6 month period. After filling out an interest form online on XX/XX/2022, I received a phone call and virtual consultation within minutes. A brief description of services and the contract was given before scheduling my sessions for XXXX and XXXX. I was informed that I would not be binded to the agreement should any medical conditions deem me an inappropriate candidate for the XXXX services. 

Two weeks after my consultation, my partner and I decided that we would start family planning. My need and ability to receive XXXX  changed. I called to cancel my loan with Ally bank in XXXX and cancelled my XXXX  appointments. Ally Bank agreed to cancel the loan and informed me that I would receive notification in the mail. Over the next few months, I would continue to receive past due notices from Ally Bank. In XXXX, I inquired with Ally Bank as to why the notices were continuing despite cancellation. Ally Bank initiated a dispute with XXXX XXXX. XXXX XXXX contacted me in regard to the dispute and stated that they could not refund Ally Bank therefore forcing me into a loan agreement for services I have not and can not receive. 

Per XXXX XXXX contract, " XXXX  services are not recommended for : ( a ) Any female who is pregnant, may become pregnant, or is lactating ; ''. XXXX XXXX states that " 4. [ Ideal Image ] may also terminate the Agreement at any time and for any reason and [ they ] will then refund you if [ their ] medical director in his/her sole discretion determines that you are not an appropriate candidate to receive treatment services as follows : 1 ) If treatment services have not yet been performed, you will receive a full refund in the amount of the total service fee price received, less {$100.00} ; '' Despite not being an " appropriate candidate to receive treatment '' as a " female who is pregnant, may become pregnant, or is lactating : '', and the agreement of Ally Bank to cancel my loan for services not rendered, Ideal Image has refused to refund Ally Bank and hinders the cancellation of the loan. 

In addition, XXXX XXXX image is unable to provide the services within the stated service agreement timeframe of 6 months due to my ineligibility per the agreement. 

The loan is reflecting over 90 days past due and will negatively affect my credit standing for services that I am ineligible to receive for a service agreement that XXXX XXXX is unable to provide per that contracted terms.
Consumer complaint received 2022-08-24
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/2022 - received email from Bank of America that they received an application for the XXXX XXXX XXXX Credit Card. I did not submit this application. I called them and asked that it be marked as fraudulent and shut down. They said it would take 5-7 business days and I wouldn't receive any written notification about it. 

XX/XX/2022 - called the department that processed the credit card application at B of A, I asked for a copy of the application. They mailed me a FACT Act Request Form with instructions on how to submit it. 

XX/XX/2022 - faxed the completed FACT Act Request Form along with documentation ( driver 's license, SS # ) from a Bank of America branch in XXXX, NJ to the fax number on the form. 

XX/XX/2022 - still no response from Bank of America.