davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-14
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Specialized Loan Servicing Holdings LLC (NC)

This company recently purchased my XXXX mortgage. Was in contact for a month or more regarding my intent to refinance from an old XXXX to XXXX loan. At the last moment, they added the payoff to the loan as a " monthly payment '' to XXXX causing my debt ratio to go XXXX %. My credit score averages around XXXX. They lied saying they did not report it. XXXX confirmed that they did. No help at all with customer service and rude on top of that. Fortunately, the refi went through but the rest of my credit is locked down due to this entry which every banker, loan officer and XXXX rep has said they have never seen done before. Account showed to be current with XXXX but still posted the {$83000.00} balance as a payment due. The refi closed on XXXX XXXX, 2016. The funds were distributed XXXX XXXX. The company, Specialized Loan Services, apparently does n't have the capabilities to have the funds wired so their check had to be overnighted. I called them on XXXX XXXX to confirm receipt. Their automated system advised me that they received my payment on XXXX XXXX in the amount of {$340.00} ( the usual monthly payment ). This indicates to me that someone decided to enter the {$83000.00} and not just a " system '' procedure as they tried to tell me. I confirmed with an account rep that the entire balance had been received and the loan paid in full. However, when I asked when I could expect the ridiculous credit report entry to be removed I was informed that they only file with the credit bureaus on the XXXX of every month and that they would not remove the {$83000.00} until XXXX XXXX. In other words, they have their money but the still believe they should be able to lock down my credit until XXXX XXXX. This company has been rude, impossible to deal with and judging by their google entries have been practicing this way for some time. Articles entitled " SLS scam '' and such are prevalent. All I want is for them to remove the ridiculous INTENTIONAL entry made on my credit report so that I may continue my financial activities. They are paid in full. I can not even obtain a gas credit card at the moment because of my XXXX % debt ratio due to their dirty entry despite my high credit score. This is unfair and should be able to be corrected with a phone call or simple report to XXXX. And they are rudely refusing to even entertain the thought. Please help me.
Consumer complaint received 2016-12-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Rubin & Rothman, LLC (NY)

On XX/XX/2015 I filed Chapter XXXX bankruptcy protection which included XXXX. Around XX/XX/2015 by bankruptcy was XXXX also the debt of XXXX. Today in the mail I received a letter from XXXX trying to collect this debt.
Consumer complaint received 2016-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (IA)

I paid off my mortgage loan in XXXX XXXX with PHH Mortgage Services and can not get them to release the loan. In XXXX I took out a mortgage with my husband. This loan was paid off in XXXX when we divorced. I took out a new mortgage ONLY IN MY NAME to close out the joint loan with my husband. The joint loan should have been released in XXXX, but PHH sent me this release earlier this year. What I have been trying to get PHH to do is to release the mortgage that was only in my name. I called PHH on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. They kept telling me that they were working on the correct release. I then sent them a letter on XXXX XXXX, XXXX. PHH still has not released the loan in my name that I took out in XXXX.It was not a refinance of the original loan because I was taking the loan out only in my name and paid the joint loan off in XXXX to erase any connection to the home with my former husband. I need to get the release as soon as possible. This tremendous delay has made it now an urgent situation because I am planning to sell my house in the first quarter of next year ( XXXX ). Please do what you can to urge PHH to release the correct loan that had only my name on it. Thank you.
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I signed up for a promotional offer from Citibank. I was to get XXXX XXXX XXXX miles after signing up for a new Citigold account and meeting various criteria. I confirmed with a Citi customer service representative that I was enrolled in the promotion and fulfilled the requirements. However, after waiting months for the reward miles, I contacted a Citi customer service representative again and was told that Citi was not going to honor its promotional offer.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AL)

I had a dispute over some inaccurate information that Equifax supposedley verified, but they did not do an actual investigation. I called Equifax 's customer service number and the employee said that Equifax is n't responsible for actually verifying information, they just send the dispute, and the " verification '' is done through XXXX, in which all the creditor has to do is say their information is correct, and " that is good enough for them ''. 

XXXX XXXX Dictionary describes verification as " '' Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. 
Affidavit of truth of matter states an object of verification is to assure good faith in averments or statements of party. '' So in order for them to TRULY verify this account, they should be able to show me the sworn affidavit used to verify and the accompanying documentation as required pursuant to XXXX XXXX Dictionary which defines what " verification '' actually is. If not FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. So this should be deleted.
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I am a widow and this is stressing me out both emotionally and physically. 
XXXX of all, when I call them, I get this recording, 'your last payment of {$1500.00} was made on XX/XX/2016 and your next payment of {$1500.00} is due XX/XX/2016 ' RED FLAG! What I was calling about was on XX/XX/2016 my statement said payment due XX/XX/2016. I made a XXXX payment. Then the XX/XX/XXXX statement generated said my payment was due XX/XX/2016, and I did not make a payment for XXXX. The XXXX payment took over XXXX weeks to get there. The statement generated on XX/XX/2016 says that {$8200.00} was XXXX ''. They have CASHED these checks. And I have when I sent them and they allegedly got them. I am on XXXX and I do n't get my check until the third Wednesday of the month. My payment takes most of my check. I got my XX/XX/XXXX check back because I did n't put the XXXX cents in where you write the amount. They charge me {$6.00} for certified mail, when I mail my payments certified, it costs me {$3.00}. I have got XXXX with a certified tracking number on it. They also charge me for property inspection, {$13.00} and they are NOT in California. They also sent back my XX/XX/XXXX payment because it was n't the {$12000.00} plus due. I they pay my property taxes and I feel that they are OVERCHARGING me. When I called them I got that recording I mentioned in the beginning and the person I talked to was in the XXXX, a XXXX. They charge up to {$19.00} to talk to a customer service person. He said that " I '' would have to call back to get the results. 
I have sent letters to them and no response. 
If I have to get a lawyer I am wanting Ocwen to pay the lawyer fees. 
It was in foreclosure I resolved that and have been making payments since.
Consumer complaint received 2016-12-12
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Health Services Asset Management, LLC. (CA)

This company, Health Services Asset Management, contacted me first on XXXX XXXX at XXXX and then XXXX XXXX at XXXX in relation to a debt presumably held by my mother, as that is who they were requesting to speak with. As I understand it, repeated attempts to contact a third party related to the debt holder is illegal and I would like them to cease all contact with me.
Consumer complaint received 2016-03-08
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: SFS, Inc (NY)

one click cash payday loans charged my account 5 times different amounts causing it to go over drawn by XXXX the new York state attorney general office want after this company and I do not own on this loan but I owe XXXX to XXXX for the a tamps to taking out money for payment I want this company to pay XXXX the XXXX fee
Consumer complaint received 2016-03-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

This was originally a XXXX Loan. Deutche started a foreclosure action and at some point XXXX tried to foreclose and was represented by XXXX XXXX Firm and now foreclosure is being aggressively pursued by Deutche Bank. There were notorious robo-signers ( XXXX XXXX ) and bank never had standing due to filing foreclosure action before they claimed to have owned the note.
Consumer complaint received 2016-11-04
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P. (WA)

Back in XXXX, when I was still in college, a letter was sent to my mother 's home address stating a company named LNV Funding had been had been awarded a civil suit against me in XXXX County Court, Indiana, on the grounds that I did not appear. I was never informed of any court date, was not living in XXXX County, Indiana, and to this date have no idea who LVNV Funding is, or why they think it is I owe them money. As such, I have not paid them. In this foul year of our lord XXXX, thirteen years later, I am now being harassed by XXXX XXXX XXXX, a law firm known for their unscrupulous behavior and slimy tactics. They have been doing so for a year now, and continue to send me letters inferring that they are filing a civil suit against me in my local county for a time-barred debt. They 've even gone so far as to provide fake XXXX County case numbers that do not exist in the XXXX XXXX XXXX records search. This is clearly against my rights under the FDCPA. Judging by the numerous complaints about this so-called legal firm, this is n't the first time they have done this. By providing fake civil suit numbers and feigning threat of a lawsuit, XXXX XXXX XXXX is bullying it 's victims by preimptively awarding itself " judgement '' ( they use that word frequently ) a priori. They falsely represent themselves as an authority of the court by invoking the County 's name throughout their letters.
Consumer complaint received 2016-04-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Paypal Holdings, Inc (TN)

I get a letter in the mail saying I owed {$19.00} for an account on Pay Pal Credit that I never opened or used. I have a regular Pay Pal account, so someone tied both of these together without my permission. When I try to pay them with my credit union checking account., they refuse payment, and want to to send a check to them. No, I do not send checks, due to the fact many people get defrauded and their checking accounts hacked, by sending them. I tried paying with a credit card, and they refused ( because I just want it to go away ). So, they have said they are going to take legal action against me, on this, and will destroy my good credit rating.
Consumer complaint received 2016-11-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

we were looking into refinancing to lower our monthly payment ... called a lender and they discovered we were being overcharged ( double the amount ) for escrow. we contacted DiTech and requested a refund for the overage and our monthly payment to be adjusted. we were satisfied and also thankful that was discovered and also disappointed in ourselves for not realizing this. since then, we have been harassed with bad debt phone calls by DiTech, and notice statements two to three times a week from them claiming we 're two months behind in payments ( we have never missed a payment ). It has been non-stop, my husband and I have spoken to numerous customer service people, and supervisors whom all have been very uncaring and unhelpful.
Consumer complaint received 2016-03-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One unilaterally closed my credit charge account on XX/XX/XXXX while I was traveling XXXX in XXXX, XXXX XXXX XXXX. I used the card to pay for a rental car " XXXX XXXX Rent A Car '' and one day later my account was closed without explanation. Capital One falsely/erroneously reported to the bureaus and myself that the account was closed " at the consumer 's request. '' I believe that Capital One 's decision to unilaterally close my account that was in perfect standing for 14 years was racially/religiously charged.
Consumer complaint received 2016-12-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (MN)

I am currently a borrower with Heartland ECSI as the administer of a loan originating from XXXX College. 

Through the course of my relationship with this company, they have made it consistently difficult for a borrower ( me ) to make payments. These difficulties have resulted in the accrual of late fees, which I suspect is the main intention of this company. 

Their actions have included ( 1 ) not allowing users to make payments on their website ( multiple processing errors on multiple days on various web browsers ) ; ( 2 ) when payment has been able to be processed, making it impossible to schedule the payment ( and recurring automatic payments ) on the correct dates thereby incurring late fees. On top of this, their customer service is inaccessible or incapable of remedying problems. For instance, outside of live customer service hours, the company 's online option to leave a message ( because it is after customer service hours ) leads to a screen stating that customer service is closed so you can not contact them ( NOT LEAVE THE MESSAGE? ). 

This is a pattern of practice intentionally engaged to take advantage of borrowers and increase profits through the unjust accrual of late fees. This company should be penalized and shuttered.
Consumer complaint received 2016-10-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NJ)

I filed a complaint with AHFC due to late notices posted to my account that were no valid. I sent them a formal dispute on XXXX XXXX, 2016 which they received on XXXX XXXX 2016. On XXXX XXXX, 2016, since I had not heard from them, I sent them a second letter telling them that they did not mark my file as disputed or responded to my previously letter that they now need to remove the late notices on my account. They received the letter on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received THREE letters from AHFC. 1. telling me again that my payment was late and I needed to pay immediately to get my account up to date, 2. A letter telling me my request to remove derogatory marks from the credit bureaus was denied and 3. Telling me my car loan was paid in full and attached to that letter was the TITLE for my car. So, please tell me this company reports information accurately and timely. If you would like all of this documented evidence, I am happy to send it to you, but it 's all pretty thick. I appreciate your help in ending this as it 's not fair and AHFC had not followed the law in marking my file 1. in dispute and 2. responding in a timely manner. This type of reporting is for a reason, and when at fault, I am happy to take my due punishment. However, this reporting is not accurate and AHFC has done nothing according to the law to correct this error or follow the law in investigating, marking the file as in dispute and NOT continuing to write derogatory marks on my file as payback for fighting them on this. Please help!
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Ive initiated several disputes with Equifax over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX are one in the same but neither one can really help ... .... So how is it the bureau claims to have all the info nut they ca n't find me in their system ... I think me and millions of americans are being lied to by the credit reporting agencies. Hope the fines keep coming. This is ridiculous. 

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
Consumer complaint received 2016-05-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

The whole Chase system was down on XX/XX/2016. I could not get my money at any Chase ATM. I was forced to use another bank 's ATM to get my money. Now chase said they will not refund the charges from the other banks I was forced to use because those XXXX could n't keep their systems up.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

There are false names, addresses, inquiries, and credit account information that are not mine and/or I do not recognize. Initially, I tried contacting the creditors to clear up inaccurate information but I was ignored. 
Adverse accounts have falsely reappeared/posted on my credit report in error. I 've already disputed these items with Experian and their response was that " that items have already been disputed and we ( Experian ) will not investigate them because we are only required to furnish information of activity that has been reported to us ( by the creditors ). '' My credit report was obtained illegally because the companies who viewed it did n't have the right to do so, therefore, inquires should n't stay on my report. Experian is required to follow up with the creditor. " If the credit bureau does n't get a response either, it has an obligation to remove the disputed inquiry. Legally, the credit bureau must respond to you within 30 days. '' I have reported these creditors to CA Dept. of Business Oversight. Experian has failed to comply with their obligatory investigation. 
I 've learned that Experian is not interested in fixing inaccuracies. If they were, they would have done something about it long ago. I 've discovered that the reason it is difficult for Experian to fix inaccuracies is because doing so is contrary to what their objectives are ; to satisfy the furnisher of the information ( creditor ). 
I am requesting Experian to investigate the inaccurate information that I 've disputed with them and I want them removed by suppression technology so that they will not falsely reappear.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2016-07-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

I am in the process of selling my home and purchasing a new home. My current home is financed through OCWEN and the sale is scheduled to close on XXXX XXXX. I missed the XXXX 2016 payment and paid it, along with the XX/XX/XXXX payment and the late fee, on XXXX XXXX. OCWEN reported this as a late payment in XX/XX/XXXX, with the account being 30 days delinquent. The lender for my new loan denied my mortgage because of the late payment reporting by OCWEN. Because this was the only time in my near nine-year history of this mortgage that the account was in delinquency status, I requested that XXXX waive the late reporting and was informed that this is impossible because it was not legal to do so. My attorney then contacted OCWEN and requested that they provide a goodwill adjustment, which is a legal withdrawal of a late reporting. They again refused to do so. Their refusal to help a customer who has only had one late payment in almost 9 years caused me to be denied by the lender for my new home purchase. Due to the terms of the sale of my first home, I must vacate that property by XXXX XXXX. I attempted to see if OCWEN would approve me for a new home loan since I can not get approved for a loan elsewhere, and I was referred to their new loan division, Homeward. Homeward informed me that they are currently not writing loans for new home purchases. This leaves me with no home, as I can not purchase a new one, so my boyfriend, XXXX children, and I have nowhere to go. I recognize that I am the one who failed to pay the XX/XX/XXXX mortgage payment, but as I have now paid it and paid the late fee, I feel that I have done my part to make it right. Additionally, the entire mortgage will be paid off in full in six days. I feel that one late payment is not cause for a punishment of a poor credit reporting that results in my denial of a home loan and not being able to buy a new home.
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is in reference to my previous complaint : Case number : XXXX still have the same issue. The bank apologized and confirmed it wo n't happen again but I still see the same issue where my credit card disappears from my online account after XXXX of every month, so I am unable to check my transaction status online. I am wondering if I should file legal action to have this issue fixed once and for all, since the bank does n't seem to take this issue seriously or do anything about it yet.