davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (MD)

To whom it may concern, I am responding to the findings from my request to dispute my credit report and wish to address the OWEN LOAN SERVICES and HOMEWARD RESIDENTIAL. 
In the enclosed documents you will find in my Divorce agreement ( Encl. 1 ) file in XXXX, XXXX County, Florida Case # XXXX Division No. XXXX signed and agreed on the XX/XX/XXXX page XXXX & XXXX Real Estate located XXXX XXXX Florida was signed over Quit Claim Deed XX/XX/XXXX. ( Encl. 2 ) which states she is responsible for all taxes mortgage and interest thereafter. I turned over the loan in good standing. 
I question the existing mortgage that I have no idea maybe she refinance and without my consent use my name. I am unable to question the mortgage company because they state I have no authorization. Then why is it affecting my credit? I wish no harm or charges against her just wish this be removed from my report and all future actions be blocked for my protection. I work for the federal government that requires clearance and previous law enforcement which required integrity in the personal issues. 
Please review the enclosed documents and advise further action required. Thanks, your attention to this matter is greatly appreciated.
Consumer complaint received 2016-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (CA)

Credit Management Ltd has filed negative information with XXXX three times in the past three months for the same debt with XXXX XXXX. First, the name on the debt is not the same as anyone who lives here. While it is similar to my wife 's name, it is not the same name. Second, we have never been customers of XXXX XXXX. We do not live in a XXXX XXXX area. None of the false addresses registered with XXXX are the same as ours. We have lived at our current address for 32 years and do not have another address. We have never received a monthly bill from XXXX XXXX. We have never used XXXX XXXX service. This debt is not ours. We will not pay it. XXXX keeps going from one debt collection agency to another trying to collect on a debt we do not owe. While XXXX is the victim of someone else 's fraud, that does not make us responsible for the debt. We do not owe the debt. We will not pay the debt. Credit Management must cease and desist their repetitive claims to XXXX on a monthly basis for a debt we do not owe. They 're playing a game to extort money. They file the claim each month, we dispute it each month. XXXX removes the claim each month. Credit Management needs to stop wasting XXXX 's time and stop harrassing us. There is no XXXX XXXX at our address. Never has been. They need to locate the real person who ran up the debt and approach them for payment and leave us alone. 

This claim has already been disputed and Credit Management removed the claim and the false name before. They must do the same again and cease and desist from all further claims in this matter.
Consumer complaint received 2021-12-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLIANT CREDIT UNION (CA)

I received an email from Alliant Credit Union ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) on XX/XX/XXXX stating that I was 'pre-approved ' for an auto loan to refinance my car. I filled out an application and was advised by someone in their auto loans department that I was approved for a loan up to {$10000.00}. I applied for {$11000.00}, but could pay it down to XXXX with no problem. On XX/XX/XXXX, I asked them how long the loan offer would be good for, I was told it was good until XX/XX/XXXX. I received a message later that same day saying the loan was declined. 

I called and spoke with a supervisor by the name of XXXX who stated that they need two years of tax documents in order to approve the loan and since I started my current job in XXXX of XXXX, I wouldn't have two years of tax information, just XXXX year and 9 months ( something they already knew from my application before telling me that I was approved for up to {$10000.00} ). I was doing different work before my current job and could have provided those tax documents in addition to my current tax documents. 

They initiated first contact through email to tell me that I was pre-approved, I have a good credit score, I only have onXXXX loan and that's the loan I was refinancing through Alliant, I've had this loan for over 2 years and haven't missed a single payment. I meet the income requirements to justify said loan, and it seemed as though they were trying to find any possible loophole to deny my application. 

I'm requesting that you guys thoroughly investigate Alliant Credit Union to see if they have a history of making it more difficult for non-Caucasian people to get loans and if they routinely deny applications from XXXX numerical minorities while approving loans for Europeans Americans who have similar credit worthiness.
Consumer complaint received 2017-01-26
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: First National Collection Bureau, Inc. (OR)

I have received a letter from the First National Collection Bureau. They have sent this letter for a company named XXXX concerning a debt that was on my credit report in the past and charged off on XXXX/XXXX/2007 according to this letter form First National Collection Bureau. With that being the case any statutes of limitation has run it 's course. 
XXXX XXXX has received letter 's in the past from my attorney to cease collection efforts and they agreed with letter to my attorney. Now they are using this other company to collect an uncollectible debt. XXXX XXXX is well aware of this and this is an illegal attempt to collect an uncollectible debt. This is an attempt at scamming me, If I was not aware of the law, I would not know what to do. This company, First National Collection Bureau does not preform it 's due diligence before it sends out it 's notices. If they had they would see that this is uncollectible yet they try to scam people on a regular basis. I know several people that have had this company try to collect uncollectable debts. They even offer a " convenient '' repayment plan for those that are unaware of the law. 
This to me seems to be in violation of the fair credit reporting act, violation of the Fair Debt collection Practices Act and is probably in violation of Oregon state law as well.
Consumer complaint received 2016-12-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OH)

I have a a unverified account from FAIR COLLECTIONS & OUTSOURCING. I had previously disputed this account. I have never done business with FAIR COLLECTIONS & OUTSOURCING # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FAIR COLLECTIONS & OUTSOURCING Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FAIR COLLECTIONS & OUTSOURCING Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MD)

At the presentation of the Loan Agreement  for financing  roofing work with Lowe's Advantage Loan the Salesman XXXX XXXX showed me in paper my monthly payment. The monthly payment showed $XXXX per month. That was in XX/XX/XXXX. Later in XX/XX/XXXX, I get an invoice for monthly payment of $XXXX. I immediately contacted XXXX XXXX and asked why such huge increase. He called be back and said " Next month and going forward your monthly payment will be restored to $XXXX per month and you will get credit for the excess payment".  Well since then, no adjustment had been paid despite my communication with XXXX and Synchrony Bank which actually financed the Loan.  I want Synchrony Bank/Lowes to roll back to the initial payment arrangement Presented by Salesman XXXX XXXX.  I am sure these companies have misrepresented and cheated several consumers by presenting False documents at Presentation and Later changed the interest rate to Rip Off Consumer s.  I talked and text XXXX several times with no response. I also e-mailed to Synchrony Bank with no response.My second complaint is; The Gutter and Downspout fell during the Storm. I contacted Lowes and XXXX to fix the fallen Down Spout.  No response neither one.  I had to pay a Vendor to fix the issue.I request CFPB to restore the monthly payment to $XXXX per month and issue me credit for the over payment of $XXXX per month since XX/XX/XXXX. I will also file a Civil Suit with The XXXX XXXX County Court at XXXX XXXX , MD.Several Consumers have been coned / lied/ cheated by Lowe's and  Synchrony Bank.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (WI)

XXXX XXXX transferred my loan to Specialized Loan Servicing on approximately XXXX/XXXX/XXXX. At the time my mortgage payment with XXXX XXXX was XXXX. It was broken down as follows : P & I {$1000.00} and Escrow of {$450.00}. The escrow amount amount transferred to SLS was {$4200.00}. Specialized loan services did not send me any statements so I contacted them to start paying my mortgage. They insist that the amount of my mortgage payment is {$1900.00}. {$1000.00} in P & I and {$870.00} in escrow. This would calculate out to over XXXX a year in taxes. As my property tax is only XXXX and my insurance premium is {$670.00}, the amount that they are trying to escrow is twice what it should be. I mailed a payment for {$1400.00} in XXXX which was cashed by SLS in late XXXX. In XXXX I made a payment of XXXX to make sure that there was enough funds in escrow to cover my taxes. I also made two payments in XXXX XXXX in the amount of XXXX. I have finally gained access to my online account in XXXX to find out that SLS is keeping all payments of XXXX in an unapplied account and calling my account delinquent. I have made numerous calls and have spent hours on the phone with various SLS staff and have been disconnected, put on indefinite hold, and told that a ticket has been opened only to call back to find that there is no ticket for the problem. In XXXX alone I spoke with XXXX in executive services Empl # XXXX on XXXX ; he was going to call and update me the following week. He did not. I spoke with XXXX in executive services Empl # XXXX on XXXX/XXXX/XXXX and was told they are still looking into it. I spoke with XXXX in Executive Services Empl # XXXX and was told to write an e-mail to XXXXXXXXXXXX I did write that e-mail and have not had any response. She also told me that SLS would not accept any payment less than XXXX. I honestly do not know how to move forward with this to get this resolved. I received a new escrow analysis showing my monthly mortgage payment beginning XXXX XXXX will be XXXX. However this does not resolve the fact that SLS is not applying my current payments to my mortgage. In closing I received a letter from SLS today stating that my mortgage is seriously delinquent due to the fact that they are holding all of my payments in an unapplied fund account. This is negatively affecting my credit rating and by not applying my payments correctly, the interest I paid in XXXX is incorrect as well as the fact that I am accruing additional interest on my mortgage. Additionally they are holding a cushion of {$840.00} in addition to the {$840.00} which is XXXX of the estimated payments for my anticipated escrow. Any assistance that you can give me would be greatly appreciated. It has been a nightmare dealing with SLS.
Consumer complaint received 2021-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CO)

nelnet Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$6800.00} Payment Info Status : Current Status date : XX/XX/XXXX Past due amount - Original loan amount : {$4400.00} Monthly payment : {$55.00} Late payments - Account number : XXXX Account status : Open Date opened : XX/XX/XXXX Account type : Education Loan Paid Off : 0 % Balance on XX/XX/XXXX original loan : XXXX Loan Amount : {$23000.00} Contact po box XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX They are claiming I consolidated with them in XXXX, and that my original loan was XXXX, then I have another loan above with them for XXXX now owe a total of XXXX my original loan with college back was a max of XXXX, this is more than my original loan per Federal student aide of what they have posted through nelnet.. 
federal Student Aide and Nelnet can not produce me any information regarding my loan. 
Nelnet is fraudulently stating i had a promissory note with them from XXXX however this is not true number one they have not validated this loan with all and any documents further more, it is impossible to have a account with nelnet when another company by the name of XXXX XXXX XXXX through XXXX XXXX XXXX. had my account that was opened XX/XX/XXXX XXXX that would of washed out there so called contract that they are fraudulently stating i opened with them. i cant very well have two companies with contracts for the same years being claimed, billed and owe for the last few years. showing wo complete opposite accounts per XX/XX/XXXX credit report XXXX Account Info Account number XXXX Account status : Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$24000.00} wih owing of XXXX this account i never consolidated and i want it closed completely some one is fraudulently charging me with two different accounts, two different amounts although Nelnet has two separate loans. 

I have reported this to the attorney general and all other government agency to get this issue resolved every time I have asked for a copy of all my documentation I have not received anything except once thru a secured site a promissory note that was inadequately filled out and with wrong information. I couldn't save it or down load it nor could i get back into the secured site. i have a right to all and anything related to me, all my documentation. 


I have years of credit reports that show and prove this information i can print them out and sent the ones only regarding the loan if needed. to any and all companies. 

i do not want to send my whole report the information was cut and pasted from two reports above
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: BYL Collection Services (CA)

This account does not belong to me. I reside in California and it stating this account was for gas services in XXXX XXXX Nevada. I disputed this with XXXX and XXXX and it was only updated and I was not provided with any information on how this debt was validated. I want this investigated and removed from my credit report.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Case # XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX I filed my first complaint on XXXX XXXX, 2016 Response was received with letter dated XXXX XXXX, 2016 What happened from then? 

In XXXX XXXX, 2016 we had a 6 hour mediation at ours attorney 's office in XXXX XXXX, Florida. After a long negotiation of the key terms of Carrington 's last Trial Modification Agreement dated XXXX/XXXX/16, we concluded with little progress. Carrington 's attorney recommended that we contact their internal office FMR to seek some assistance and direction. Advise that our attorney followed with a few telephone conversations. 
A few weeks ago, Carrington 's attorney contacted us with the question, - " Are you in a position to come up with a Good Faith PAyment of {$120000.00}? '' We viewed this communication as a positive and agreed to it. A few days ago we received their latest offer for a Trial Modification Agreement dated XXXX/XXXX/16. 
With a sense of disbelieve we notice that the new offer had the following changes from the terms negotiated so hard during the face to face mediation : - The XXXX trial monthly payments went up from {$8700.00} to {$9400.00} - The Principal Balance went up from {>= $1,000,000} to {>= $1,000,000} Yes, the Good Faith Payment was {$120000.00} as per recent emails. 

Incredibly insulting with total lack of respect following a sincere and honest mediation.
Consumer complaint received 2021-02-12
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. (TX)

I've recently reached out to XXXX, Equifax, and XXXX  in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.
Consumer complaint received 2021-02-12
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. (MD)

Ive had a credit card with XXXX XXXX XXXXXXXX XXXX for more than 15 years and Ive never been delinquent. To avoid delinquency I schedule auto pay to ensure payments are successful and timely. 

A few years ago, I discovered a 30+ day delinquent notation on my account and I called XXXX . I was unaware that my autopay stopped. I didnt receive calls or information in the mail to avoid the situation. I asked if this could be waived and they told me they would remove the fee and negative comments. 

Its been almost 5 years and they havent removed the negative information. I have sent multiple emails and called to have the delinquent comments removed. This situation has affected how my family and I operate especially during the pandemic as I am trying to help my extended family in other ways. The delinquent information has really impacted my future financial transactions. Please remove the delinquency status from all three credit bureaus and the bank.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

All three credit bureaus list my XXXX account as ADVERSE.I have made on-time payments to XXXX for 7 years.XXXX should be listed as a NON-ADVERSE account.
Consumer complaint received 2016-11-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I was never contacted by Wakefield and Associates about any debt. I found out about it when they showed up on my credit report. I have never received a call or a letter about any owed debt. The medical company that uses their services had made a deal with me to have that debt paid. I paid the compaNY what was owed in exchange for them not sending it to collections. I have a recording of said deal. I also have the bank statement to prove the debt was paid.This agency has never called and identified them self as a collection company if they called or ever sent a written notice of said debt they were trying to collect on. This has lowered my credit report and will cost me money on the purchase of my next house since I have received a higher interest rate than what I should have recieved.
Consumer complaint received 2016-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CBE Group, Inc. (CA)

Had an account with XXXX, closed account with payment in full. I sent back all equipment carefully packaged in their own container at my expense in 2010. One month later, I received a payment due notification of {$25.00}. I called XXXX billing and a supervisor stated that it was for their mailing labels and that I should have waited. I explained that I was not told this and that all equipment was sent expeditiously and that I do n't feel I should pay. After sending in numerous letters of dispute, I never received a response from XXXX and wrote letters to a collection company seeking a new balance. No response. I recently called XXXX with their Bundled services and XXXX is in the package and I was denied service due to the " outstanding '' balance with XXXX. I have attached my notes when I first had this problem of the mailing labels, back in 2010.
Consumer complaint received 2016-09-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

Wellsfargo and XXXX XXXX ( Wellsfargo foreclosure attorney, located in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ) foreclosed on my house while under bankruptcy protection. Bankruptcy was filed on Friday XX/XX/2016 and house was sold by XXXX XXXX XXXX on Tuesday XX/XX/2016. I have attached the email that my agent that was helping me with a shortsale with wellsfargo sent me stating that they receive a call from Wellsfargo stating that the house was sold on Tuesday XX/XX/XXXX. I called the foreclosure attorney 's office and they told me yes the house was sold to a third party. I ask for the name of the party and the amount it was sold for. They told me it was private information that could n't be released to me.