davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (SC)

I was impacted by COVID 19 and took the forbearance option with my mortgage provider ( Loancare ) in the middle of XX/XX/2020. At that time my loan was 2 months behind, I brought the loan current on XX/XX/2020. 

I attempted to bring the loan current in XXXX but Loancare took 5 months to process my escrow analysis showing my payment {$600.00} higher than it should have been. This was not corrected in their system until XX/XX/XXXX. 

From XXXX until today Loancare continues to report my loan as 60+ days late to all 3 credit bureaus. 

On XX/XX/XXXX I requested the first credit dispute, which was denied as Loancare said  what was reported to the credit bureaus is correct. 

On XX/XX/XXXX I requested the second credit dispute, which was denied as Loancare said what was reported to the credit bureaus is correct. 

On XX/XX/XXXX I requested the 3rd credit dispute, which was denied as Loancare said what was reported to the credit bureaus is correct. In speaking to the is was told that because the loan was delinquent going into the forbearance period it would continue to report as " late '' until it was removed from forbearance.
Consumer complaint received 2016-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC. (TX)

This debt collector send me a letter i immediately call him to dispute the amount in question he promise to send me a prove from XXXX i did not receive any evidence from him. the next thing i saw is a negative report on my credit report over a debt that has not yet been establish and connot be establish this has to do with a phone bill according to him.
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have a loan that is being serviced by ocwen loan sevicing. I have made all my payments on time. My loan to value ratio is about 65 %. I have made many written requests and verbal requests to ocwen to start the process of canceling my mortgage insurance. I have received the run around by there customer service and have gotton nowhere. They have no contact information and are not willing to help me when I am the customer. It feels like a scam they are pulling on homeowners. Please help
Consumer complaint received 2022-07-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I entered into a mortgage forbearance program during the pandemic in XX/XX/XXXX and upon exiting forbearance in XXXX it was my understanding that the missed payments would be deferred and added to the end of the loan. I took this to mean the whole payment amount, however, Wells Fargo has increased my monthly mortgage payments by {$250.00}. This additional amount is to catch up the missed escrow payments over 60 months. I questioned Wells Fargo about this and was informed the it depended on what the investor for my loan decided to do about the missed escrow payments. My concern is this is not a fair and equitable treatment for all customs. This additional payment has the potential to cause a hardship when the expectation had been to resume the same payment as before the forbearance. Furthermore, my loan was current upon entering forbearance and has been since exiting so the only amounts of missed payments we are talking about occurred during the forbearance.
Consumer complaint received 2016-10-27
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BB&T CORPORATION (NC)

This complaint is on a group providing services to the public, but also provide a special service to certain privileged individuals, which are the instigators, and the ones trying to cover up their own crimes. About XX/XX/2010, Branch Banking & Trust Company Inc. where I make monthly mortgage payments on a now alleged mortgage which, is a 5.50 % fixed rate on a XXXX year conventional mortgage. I was not delinquent on payments, neither delinquent on city/county property taxes nor homeowners insurance. A Ponzi scheme was being operated locally involving the assistant clerk, giving an illusion of legal authority, and pretending a fraud law and using and accepting others to use defeated forms with false content to mislead as a conduit to advance an agenda orchestrated by certain lawyers and others concerning privately owned real property. It appearing now, that certain fraudsters had previously unlawfully been using my property for their personal desires and fun. When the economic turn bad I believe these fraudster tried to cover up by filing false information that mirrors someone failing to pay their mortgage and other bills, a false light upon me also, artificially created a justified their Ponzi scheme. This scheme would not survive in a real court under a judge, but I was being rerouted outside the legal/normal jurisdiction by certain actors. The actors included impostors as XXXX threatening, falsely arrested me, using lower standards without the required proper documents. XXXX. certificate of incorporation " delegates authority '' for active and honorary members to " ... conduct amusement enterprises of all kinds ... exhibits shows ... theatres ... and acquire all costumes, scenery, properties ... to issue bonds ... debentures or other negotiable instruments ... secured by a mortgage ... from time to time seem advisable '' .to enter into, make, perform, and carry out contracts of every sort and kind ... foreign government ... '' I believe these fraudsters are being " hired '' through this illegal non profit corp. too fictitiously validate certain Foreclosures and it authority as a legal act performed by law enforcement. Nasty, Nasty, but no doubt great commissions. This also involves an alleged real estate agent, as XXXX XXXX I ask the XXXX of the police department to make and file charges against and others for making a false police report, impersonating a federal agent of XXXX etc., but he refuses. I also, by XXXX fax confirmation sent to XXXX to acknowledge and inform others about the difference between rules and laws including about the exposure of fraud in banks violations.
Consumer complaint received 2016-07-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On 2014 I took the big decision to move from XXXX XXXX to USA ( XXXX, XXXX ) to start new with my fiancee and XXXX daughters. I 've been a successful student and business person in XXXX XXXX and an example citizen. Recent after opening a checking account on Bank of America, I deposited a couple of pay checks ( computer/business checks ) from my previous employer from XXXX XXXX to my BoA account. Only XXXX of them bounce back as a " bad check '' for a really small amount of around {$200.00}. Bank of America automatically without notice closed my account for " fraud/bad check '' and now I 've been flagged as if I were some kind of criminal, when I 've never in my life have n't even taken a piece of gum without paying it. This is frustrating. I do n't owe BoA any money, everything was paid of in cash at a local branch. I tried contacting BoA at local branches, corporate offices, and by phone, none of them helpful, I get the same answer, BoA flag as a fraud check and there 's nothing we can do ''. So now I have to wait 7-10 years so I can have my finance life back? This is NOT FAIR at all. I should not pay this consequences, much less my fiancee who has nothing to do with this, she was just an authorized person on my account to have access to a debit card and be able to make purchase with my hard earned money. Please investigate BoA and my disputes, all I want is to be removed from the XXXX and be able to open a regular checking account at any bank like XXXX, XXXX XXXX, etc. I have great relationship with local banks in XXXX XXXX that can vouch for me, including the biggest bank in XXXX XXXX, the XXXX XXXX XXXX, which I have accounts for XXXX years now. Please help get my life back, buy a house, get a checking accounts for direct deposit, and more. THANK YOU
Consumer complaint received 2022-02-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion and XXXX have failed to clear inquiries related to fraud/identity theft on my Credit report that I have reached out to them twice with via certified mail over 30 days ago. I sent out certified mail to both bureaus in the month of XXXX, and XXXX to which they fail to notify me of results regarding my findings as well as refuse to respond to me. According to the FCRA Transunion and XXXX if they can not verify the inquiries where they came from where they have my authorization pertaining to my signature along with me stating authorized approval for these credit pulls they aren't allowed to hold these on my report. I will attach the following documentation that was sent to these bureaus below but it has also been over 30 days since either bureau has responded or got back to me and I am in the process of going for a home loan which this is severely hurting my credit. There has been over 5 unauthorized pulls on both these bureaus off my credit which weren't me I sent documents stating and proving it was identity/theft fraud and both these bureaus fail to get back to me and provide substantial evidence if so that these belong to me. I need the CFPB help in removing these fraudulent inquiries so that I can go for this mortgage loan that I am applying for because not only is it severely hurting my credit there is no factual evidence tying me to these inquiries and it wasn't me.
Consumer complaint received 2016-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (TX)

I have requested verification and validation of this debt and this company refuses to provide. I also disputed on my creditreport and this company never could answer my dispute. Now they have put this back on my creditreport under a different amount i do not owe.
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MA)

In XXXX XXXX XXXX, I closed on XXXX short sales in California. The closing negotiator of each banking institution ( there were XXXX lenders involved ), agreed to post the short sales on my credit reports to read : " paid/settled in full for less than the full balance. '' To my dismay, all XXXX credit reporting agencies did not adhere to the terms agreed upon, and listed my short sales as derogatory and delinquent on all three credit reports. I filed a congressional inquiry against all the banks, and won my case on XXXX XXXX, XXXX ( please see XXXX letter attached ). XXXX submitted their request to the credit reporting agencies to update my credit report immediately. Though all three credit reporting agencies updated my credit reports, the reports read as if the short sales took place in XXXX of XXXX and not XXXX of XXXX. So, the seven year period of adversity started ticking in XXXX, not in XXXX, FOUR years after the initial short sales closed. I followed up again with XXXX XXXX, Executive Response Specialist at XXXX, and she helped me rectify the issue, and the XXXX credit reporting agencies are supposed to correct the information. I ran XXXX of my free credit reports in XXXX of XXXX, but would like to follow up with all XXXX credit reporting agencies as I am interested in finding out the current status of my credit reports. Could you help me XXXX more copy of my latest credit reports from all XXXX reporting agencies, please? Thank you. Please note I moved to the following address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX
Consumer complaint received 2015-09-02
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

For a Capital One Savings account, you apparently need to have a minimum of {$300.00} to avoid any " maintenance '' charges. I eventually noticed the charge after two months, brought up my balance to {$300.00} in the middle of the month ( XXXX/XXXX/15 ), and was subsequently charged another {$5.00} on XXXX/XXXX/15. Based on my chat session on XXXX/XXXX/15, the representative said I would need to have {$300.00} each day ; so apparently I can not offset this and save myself from the {$5.00} fee because I can not go back in time to XXXX XXXX to bring the account back up to {$300.00}. 
So I will have been charged {$20.00} for an account that will have earned me about XXXX cents in interest over the same time period.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

Ive submitted certified disputes regarding unauthorized account investigations including supporting documents including the cfpb complaints and FTC Report accounts still reporting requested for deletion of account now monetary request for violations and illegal reporting and misleading Multiple disputes and certified request XX/XX/XXXX XX/XX/XXXX In violation of consumer laws 15 U.S. Code 1692e - False or misleading representations R 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor.

US Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus Charge Offs : Violation of 15 usc 1635 right of recission
Consumer complaint received 2021-12-28
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: R & B Corporation of Virginia (VA)

I am disputing the below listed inaccurate and misleading information in order to show my true credit history. By the provisions of 15 USC section 168 1 of the Fair Credit Reporting Act of 1970. I demand that the following items be deleted from my record. 

1. Creditor Account : XXXX XXXX XXXX # XXXX Comment : I have no knowledge of this item and have previously written to the agency to send proof and to date, I have received nothing. 
2. and 3. Creditor Account : CREDIT CONTROL CORP # XXXX - {$110.00} and {$310.00} Comment : I have no knowledge of this item and have previously written to the agency to send proof and to date, I have received nothing. 
4. Creditor Account : XXXX XXXX XXXX # XXXX Comment : I have paid this account off in full and was told that it would be removed. To date it still is not. Please remove immediately. 

Under federal law, you have 30 days from receipt of this letter to verify these entries. It should be understood that failure to do so within a thirty-day period constitutes reason to totally delete the information from my file, FORA 15 USC s1681i ( 5 ) ( A ). Also, pursuant to USC s16811 ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address below. According to the provisions of 15 USC sections 1681j, there should be no charge for this notification.
Consumer complaint received 2015-06-10
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

This company calls me repeatedly throughout the day, every day, of the week. From morning until night. They have never left a message. They use multiple numbers to call me from. It interrupts me at work. it interrupts me at home while I care for my young son. I have answered XXXX in the past but nobody communicated on the other line. They call XXXX times a day for months now.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (CA)

I was told by the companies on XX/XX/2020 if I paid the following accounts off to a zero balance the companies paid, would remove it completely off my credit report. The companies are still reporting my account to the credit reporting agencies. XXXX XXXX XXXX, XXXX It has ruined my chance at purchasing a home and a place to live for my family. I would like the accounts removed from my credit report as promised.
Consumer complaint received 2015-05-04
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ECMC GROUP, INC. (MS)

I was contacted by Premiere Credit about removing my Wage Garnishment from a defaulted student loan. I wanted this removed so I could start paying back the student loan without further damaging my credit, so I agreed to a XXXX program that had me pay a set amount each month on time to remove the debt. I was told that after the XXXX month had been paid, I was to contact them to remove the auto-payments from my account and discuss how I would start to pay directly to my loans and remove my wage garnishment. 

I have tried to contact them for a couple weeks now, but each time I call their number and try to speak with a person, it says that their lines are too busy and I should leave a message for them to call me back. I have done this a XXXX times as well as e-mailed them and still no one has contacted me a XXXX later.
Consumer complaint received 2020-06-01
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)

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2016-06-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

My mortgage company is stating I 'm behind on my account. Per my calculations I should be up to date. They have applied my monthly payment towards other fees without my authorization, this cause for my account to be at default assessing late charges on the account and reporting over 30days past due. Until this date, I have requested for someone to review my account and explain to me how my funds are being distribute to my account. I get no answer, representative only state " I will mail you out a payment history report '' this is not the solution. I need answer. I requested to speak to a Supervisor and was told her name was XXXX she was unprofessional. I asked her to please go over payment history report with me to inform me where in my part I defaulted on my loan. I 'm 100 % sure my account should not be past due. I need assistance and need someone to inform me where I defaulted and no one in this company is taking the time to review my account to proof them wrong.. I expect my credit report to be fixed and my account back up to date.
Consumer complaint received 2015-10-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Well, this collections company sent me a letter in the mail recently stating that I owe a debt in the amount of {$2200.00}. However, it is passed the statue of limitation because the debt was all the way from 2002.
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I responded to an offer for a credit card through Capital One, somehow they used my wife 's Soc Sec number instead of mine, the issue was that when I reported it, they suspended the card due to fraud.To resolve it, all I needed to upload a few documents documents to their site to remove the restriction, I had no problem with that and complied on or around XXXX XXXX, 2015. I have called XXXX times spending over an hour to try to resolve the issue and was promised issue would be resolved within a couple of days. I really have no use for the card and have a XXXX balance. My real complaint is that in order to cancel the card, the suspension needs to be removed, all I have to do is call them again and spend another hour to see if they can remove the suspension. I will probably do that, but I feel that this type of service needs to be reported. I still have not been told how my wife 's social security appears on the account, instead of mine. I can understand putting a hold while it gets resolved but I ca n't stand the type of service that keeps telling you to call a specialist who is on XXXX/XXXX, spend an hour on the phone with that person, and getting nothing done.
Consumer complaint received 2022-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nathan & Nathan, P.C. (GA)

Good Afternoon! 


My name is XXXX XXXX. I am writing this email in an attempt to seek advice on how to respond to a court summons that was issued by XXXX Bank filed in XXXX XXXX Ga. 

Years ago, I defaulted on my XXXX XXXX with a balance between XXXX and XXXX of charges and interest. I fully acknowledged that the debt is mine and the charges were made by me. That being said, the card was charged off after I had a major change in income and lifestyle. I entered into a monthly payment arrangement with XXXX at the amount of approximately XXXX dollars a month to keep this debt from being sent to a collector. In early XXXX the monthly payments stopped, and the account was sent to a collection 's agent ( law firm ) Nathan & Nathan. 

I called XXXX to see if the arrangement could proceed and was told there was " nothing they could do '' since they no longer owned the debt. 

Nathan and Nathan were called to see if we could settle the debt for less than owed, my contact was XXXX XXXX. They did not take my offer seriously ; at which time I asked if I could pay THEM the same amount of money per month as I had been paying XXXX. The offer was declined. I explained that as a waiter in a restaurant, a monthly payment would need to be reasonable. 

I am fully willing to resume paying a fair and reasonable monthly amount to keep any further legal issues from arising. I am due to appear in court to answer this summons on XX/XX/XXXX.