davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I recently got my credit report which showed my credit scores. TransUnion and XXXX have gone down XXXX points. I have been trying desperately to reestablish credit since a medical bk and foreclosure as I know how important good credit is. I have over the past 3 yrs purchased a home & opened up credit cards, paying them off immediately. I recently refinanced my home & bought a new car. I shopped around & it is my understanding that I could shop around for 30 days & those inquiries which were for the same thing & done within 30 days of each would only count ONLY XXXX. Apparently this is not happened according to XXXX. I have several refi inquiries & also auto inquiries which I do not believe has been fed properly to XXXX who is determining my credit score. I need to get this straightened out so that my score can improve. The credit reporting agencies say I can not dispute a Inquiry. They say I must contact the company on the report ; find out who made the inquiry ; contact them and either ask them to remove it if it were in error or if it was not authorized by me. I have done this with several. Please note XXXX had pulled my credit on XXXX & XXXX /out my permission They say they will remove same. Others say they ca n't do it..So I am at a loss at what do do as each XXXX is XXXX points and is adversely affecting my credit Note : 1 ) XXXX pulled for XXXX Mortgage XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX for refi within 30 days 2 ) XXXX pulled for Full Access Mtg XXXX/XXXX/XXXX & XXXX/XXXX/XXXX within 30 days 3 ) XXXX pulled for XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX Store XXXX/XXXX/XXXX for auto loan -- XXXX XXXX XXXX XXXX XXXX as well on XXXX/XXXX/XXXX all within 30 days ; XXXX Bank which is NOW XXXX Bank had several different inquiries : XXXX Bank had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX which seems crazy to have it pulled twice on the same day!!! I just spoke to them They are writing a letter to credit bureaus to have them removed as they did NOT have my authorization to do so after checking their records. 
I am frustrated because I ca n't dispute these with credit reporting agencies, many of the companies I call do n't want to remove them ; I ca n't get help from XXXX who is the XXXX that report the scores ; and I ca n't get help from the reporting agencies who feed the info to XXXX -- YET my credit is getting damaged and there is no one to turn to. Please research this let me know how to best proceed and if in fact some of these can be deleted.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

Our home ( primary residence ), as a result of XX/XX/2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per XXXX but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX Experian, XXXX and XXXX, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arizona XXXX
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I filed a dispute with TrasnUnion contesting the fact that when I contacted the agency XXXX XXXX XXXX, they were unable to provide a financial statement spelling out how much I owe, the terms of payment, etc. I attempted to call directly the timeshare company, which is NOT the agency reporting, and was transferred to another collection agency, a different timeshare agency etc. Still nothing in writing explaining the reporting on only TransUnion account. I was told by TransUnion they are satisfied with XXXX 's electronic response of " the information is correct '' and they are satisfied closing the dispute. 
Am I not entitled to receive written information from the agency filing against me? There was no reporting since XX/XX/XXXX, and then XX/XX/XXXX states 120 days past due.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NM)

I received a letter from Bayview Loan Servicing ( " Bayview '' ) dated XXXX XXXX, XXXX, claiming I had contacted them stating in part : " We have received your inquiry regarding the above referenced mortgage loan. Please be assured that your inquiry will be reviewed promptly as it is our goal to provide excellent customer service ... We will provide a complete response on or before the Proposed Resolution Date indicated above. If your inquiry requires additional time to complete then we will notify you by mail. '' See attached XXXX XXXX, XXXX letter from Bayview ( BLS Case NO : XXXX ) Although that XXXX XXXX, XXXX letter had a Proposed Resolution date of XXXX/XXXX/XXXX I have heard nothing further from Bayview. 

On XXXX XXXX, XXXX, I contacted Bayview via fax and XXXX Mail and notified them that I had not contacted them as stated in its XXXX XXXX, XXXX letter. See attached XXXX XXXX, XXXX Letter from XXXX XXXX to Bayview. 
In that XXXX XXXX, XXXX letter I also requested the following information from Bayview stating : " Kindly provide the following : i. ) Can you tell me if this property and loan is in foreclosure ; ii. ) If this loan is in foreclosure, kindly provide if and when Bayview initiated any such foreclosure action ; and iii. ) Pending your answer to the foregoing, please provide any relevant date ( s ) if Bayview has delayed any such foreclosure action or proceeding at any time for any reason. Please note this request is within the scope of error resolution : XXXX ( XXXX ) XXXX, XXXX, XXXX, XXXX, and XXXX. Pursuant to XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX kindly provide your response within the period provided by the statute. '' I understand Bayview had 15 days to provide documentation illustrating that no error has occurred. XXXX XXXX Section XXXX XXXX XXXX ) ( XXXX ). It is beyond the 15 day period and Bayview has neither provided any explanation or documentation as to why it believed I contacted it as illustrated in its XXXX XXXX, XXXX letter, nor has it provided the straight forward information I have requested from it regarding any potential foreclosure proceeding. 

I received another letter from Bayview claiming a response date of XXXX XXXX, XXXX however this letter contained a different BLS Case No : XXXX indicating it was not related to the first letter Bayview sent on XXXX XXXX, XXXX.
Consumer complaint received 2016-01-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CONDOR CAPITAL CORP (PA)

My wife bought a car at XXXX.they got her financed through condor capitol.they have taken payments sometimes twice a month .the when you try to get them to put it back in her account its a hassle.we have paid bank fees numerous to Times.payments were may that were not credited to her account.they closed her online account so she ca n't view it to see if payments are coming off balance.they say they did it because her car is almost paid off.they wo n't give her a XXXX. Schedule refuse.well she has paid XXXX so far.the other day they came and took our car, XXXX 's payment was n't received they say.we sent copy of check to them by e mail and fax.our bank did also, it was stamped by their bank a week before they stole our car.they said that we had five days to get mess straightened up or they were selling our car.they said it could take up to 48 hours to receive fax from our bank.on day three they say they found payment and even though it was their mistake, they need payoff plus repo fees or they 're selling our car in five days.I 'm losing my job because I use it for work XXXX.please help
Consumer complaint received 2015-12-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

When I applied for a home mortgage refinance loan in XXXX XXXX, the closing attorney found a judgment against my property. The judgment is not against me, but against XXXX XXXX XXXX, my ex-husband, and against my property, property that I purchased from him in XXXX. The judgment was also filed in XXXX. The debt collection agency is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Virginia XXXX, VA XXXX. The debt is to Capital One Bank ( I assume it is a credit that XXXX XXXX XXXX had ). I made call after call to XXXX XXXX XXXX, the attorney at XXXX XXXX XXXX with no success ( her number is XXXX ). I have also made a number of calls to XXXX at XXXX, ext. XXXX and have not been able to accomplish much toward resolving this problem. 

Bottom line : The default judgment is entered against my property, but not against me. 
The default judgment is against my ex-husband XXXX XXXX XXXX. 
I can not finish my home mortgage refinance application until the judgment is lifted. 
A decision was announced today that the Fed is going to raise interest rates by one fourth of a point which will cost me money for years to come because of the incompetence and lack of concern on the part of XXXX XXXX XXXX through no fault of my own. 
On XXXX XXXX, XXXX, I made payment in full of {$2200.00} to XXXX XXXX XXXX to pay off the debt, and get the judgment released so my banker and attorney could continue with my mortgage refinance. I made this payment using my debit card, and XXXX told me a printed receipt would be mailed to me the following day. After 2 weeks, and numerous follow up calls by me, XXXX XXXX XXXX finally sent sent me a printed receipt showing I made the payment. 
XXXX told me the judgment should be released within 30 days. 
XXXX XXXX XXXX, the attorney at XXXX XXXX XXXX, told me on XXXX XXXX I should not have to pay a debt I did n't owe, and she was going to see what she needed to do to correct it. 
It is almost impossible to get any information from XXXX XXXX XXXX, even though I am not at fault here, in any way, shape, or form. 
There is no public record in the XXXX XXXX, NC court system that the judgment was ever against me. The judgment is clearly against my ex-husband, and has been erroneously entered and is affecting me financially.
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OK)

I currently have a mortgage with OCWEN. After a long dispute regarding my payment history and them saying that I was n't making my monthly mortgage payments, I obtained the services of XXXX and was able to get my mortgage and interest rate reduced based on a trial modification period. I signed and mailed two copies of the agreement to OCWEN, in addition to XXXX emailing two copies, as well. They never responded or sent the final copies to be signed, but later said that I did n't send the documents to them. There is a receipt verifying that XXXX did receive the document on XXXX XXXX, 2016 @ XXXX They have now erroneously reporting that I failed to comply with the arrangement. Upon speaking with XXXX and them engaging OCWEN, they 're saying that I failed to date the documentation. The documentation is in fact, dated for XXXX XXXX, 2016. This loan servicing company refused to process my loan payments for 1 year and said the reason was because I was 90 days late on a payment. I sent all certified mail receipts and cashier 's checks to their auditors ( located in XXXX ) and all they could say was that I missed a payment, but could n't come up with the 90 calendar days that were in question. I had to pay {$4200.00} to XXXX to work on my behalf because they tried to foreclose on my home. They are still assisting me because OCWEN has n't sent me the signed copy of the final loan modification as they told XXXX they did.
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ASTA FUNDING INC. (NY)

I have been garnisheed numerous times over the last 25 years. I owed the IRS and any garnishees previous were discontinued. I paid off the IRS and suddenly a garnishee re appeared. The current XXXX is Pallisade Collection are actually the collection agency who bought the debt. It has been so many years I have no idea who. After this I am in understanding that a Palisades Collection who purchased debt is waiting in the wings and placed a judgement XXXX of 2014 which I have no paper work for and no idea who it is for. Any credit cards that I have been garnisheed for are at least 15 years old, probably more. Most of the garnishments on me were placed and I ca n't even begin to tell you by whom and I may be paying debt more than once. I am please asking for this to be looked into and help me if possible. 
Consent to publish the description of what happened? 
Consent providedWhat do you think would be a fair resolution to your issue? 

These garnishees need to be stopped. They are at over double the statue of limitaions in NY State. There is no verification or proof of any kind.
Consumer complaint received 2016-02-10
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Santander Consumer USA Holdings Inc. (AE)

I just received a phone call from a woman who claims to be a representative from Santander Consumer in reference to a loan where the property was repossessed and re-sold to another party. The caller told me that they could cut me a " side deal '' to where I would only pay half of the debt owed and the other party would be responsible for what was left. When I refused and stated to her that the whole thing do not sound right she ( the representative ) began going into a tirade about how she 's going to offer the other person the deal if I did n't take it and that she was going to put the debt into collections and ruin my credit. She also stated that the company would attempt to take me to court for the balance due. This company first contacted me back in XXXX and I expressed to them then to no longer call me and to deal with the former owner of the vehicle. They called a few times in XXXX and instead of leaving messages they just hung up. They would also hang up when I answered. They stopped for a while and had started back calling in XXXX XXXX. When I would answer they would hang up. They would not leave a voicemail when I did n't answer. Today on XXXX XXXX XXXX at XXXX Arizona time, XXXX XXXX time ( where I currently reside ) they called me and I answered the phone and that 's when the woman on the other end began to harass me. The number where the calls are originating from is XXXX
Consumer complaint received 2016-01-14
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Stearns Ventures, LLC (MN)

XXXX XXXX an employee at XXXX XXXX is dishonest regarding my Earnest Money and the contract at XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. 
I was planning on purchasing a home XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX so I began to deal with XXXX XXXX from XXXX XXXX and XXXX XXXX from Stearns Lending. I was previously living in a apartment and my lease was ending in XXXX XXXX, 2015. I did not renew my lease so I had to move out on XXXX XXXX, 2015. I had been having some issues with XXXX XXXX and XXXX XXXX regarding the purchase of the above stated property. Some of the issues are that XXXX XXXX held my Contract that was signed by the Seller and Buyer for 30 days before giving me a copy regarding the residence stated. XXXX XXXX and XXXX XXXX gave me my Final Settlement Charge Statement and my Earnest Money was not on the statement and the {$5100.00} dollars from the Seller was only using {$3100.00} dollars, my insurance from my insurance company ( XXXX ) was only {$710.00}, and I explained that to XXXX XXXX and to XXXX XXXX. On the settlement charge statement they had my homeowners insurance showing {$820.00} and when I talked to XXXX XXXX about it he lied and said there was nothing he could do. From the beginning of this deal I felt that they were being dishonest and they were not treating me fairly. So I did not sign any of the settlement charge statement and I ask for XXXX XXXX XXXX to return my earnest money. XXXX . XXXX talk to XXXX XXXX and they came up with a new settlement charge statement. The new settlement charge statement had the same problems except the statement showed a raise in settlement charges and I also had to bring to closing {$1200.00}. So I ask them how could that be when I am 100 % financed thru VA. After the XXXX time of trying to work with them thru the many insults I received I then refused to sign the settlement statement and ask them for my earnest money. I never signed any of the final settlement charge statements because they were incorrect and dishonest. I call XXXX XXXX and XXXX XXXX about these issue and they would not return any of my calls. As a result of this unfortunate situation I am homeless and reaching out to you with this issue hoping you can help me get my earnest money back or find a solution for this matter. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2015-09-24
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Nations Recovery Center (CA)

called my office phone left voice mail XXXX/XXXX/15. 
I asked them to send letter in the mail not call my office. 
They are trying to threaten they will take legal action on a debtthat the statute of limitations has expired 3 years ago. 
They said we do n't care about the law we will collect from youand sue you. I would like to let them know they can not sue mefor the debt bylaw or report it to XXXX, XXXX, XXXX. 
I know my rights.
Consumer complaint received 2015-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (OH)

Hunter Warfield is trying to collect on a debt from an apartment complex where I used to live in Georgia. I do n't know what this collection amount is specifically. I have not received any verification or breakdown of this amount from Hunter Warfield or the apartment complex so I ca n't verify if any of the amount is correct or legitimate. In addition, they have never sent a notice of a right to dispute, they just started calling me and then entered it as a collection matter on my credit report for XXXX, XXXX and XXXX. I sent them a letter ( attached ) requesting verification. It has been thirty days and I still have not received verification of this debt. I want this collection item removed from my credit reports immediately.
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (CA)

I have applied for Amazon.com credit card around XXXX or XXXX 2015. Despite the fact I have credit score of XXXX plus Chase denied my request. As the attached letter indicates. Chase only states that I had " previous unsatisfactory relationship with us or one of our affiliates. '' It does not indicate what did I do that was unsatisfactory to Chase or its affiliates. This is against the law I should know why my credit is denied. Chase policy is exclusionary and discriminatory. I am an American Citizen of XXXX for twenty years and a XXXX person. This exclusionary policy by Chase has caused tremendous hardship for me and my family.
Consumer complaint received 2015-04-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY (GA)

I am being denied a current XX/XX/XXXX QWR response, which was sent certified and signed as received by an employee of Nationwide Advantage Mortgage Company. I want to see the after effects of my information, the XX/XX/XXXX QWR first request.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NM)

On XXXX XXXX, XXXX, I contacted Bayview via fax and notified them that the loan for which it claims to be servicer was cancelled by written notice mailed to XXXX XXXX XXXX at least as early as XXXX XXXX, XXXX pursuant to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX that same letter, I asked Bayview to not contact me again regarding the loan at issue. Since that time Bayview has repeatedly contacted me falsely claiming that I have " requested to be reviewed for a mortgage loan modification. '' I have attached a small sample of the letters Bayview sent after I asked them not to contact me dated ; XXXX XXXX, XXXX ( XXXXXXXX ), XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX ( XXXX ), and XXXX XXXX, XXXX XXXX XXXX ). These represent but a few of the harassing contacts and the frequency of the dates are a clear indication of the harassment. On XXXX XXXX, XXXX, Bayview sent a representative to my home claiming that Bayview had not heard from me and that Bayview believed that I had abandoned my property. 

Meanwhile, there is another party who has filed a foreclosure action on the very same loan in state court. 

Bayview 's contacts are harassing, and I have already notified it that the mortgage loan at issue was cancelled at least as early as XXXX pursuant to XXXX XXXX XXXX yet it has been months since that notification, and Bayview has provided no response whatsoever. It simply continues to send me modification packages falsely claiming I have requested those packages when I have not.
Consumer complaint received 2015-09-23
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (KY)

I WAS ON XXXX IN THE XXXX XXXX AND XXXX, NOW PNC BANK FOR CLOSED ON A HOME THAT I OWNED. I HAD GOTTEN BEHIND DUE TO MARRIAGE SEPERATION AND WHEN THE VA SUBMITTED A LOAN MODIFICATION THE BANK DISAPPROVED. I ALSO FILED A CHAPTER XXXX AND THE COURT ISSUED A REPAYMENT PLAN WHICH WAS REFUSED BY THE BANK. I BOUGHT THE HOUSE FOR XXXX IN 2002. WHEN THE HOUSE WAS SENT TO FORCLOSURE IT WAS WORTH MORE THAN XXXX. THE LAWYERS HANDLING THE PROCESS FOR THE BANK RECEIVED MOST OF THE PROFITS BUT AS FOR A XXXX MEMBER, I WAS AWAY IN TRAINING WHEN THIS WAS HAPPENING. XXXX TOTALLY BROKE THE LAW WHEN IT COMES TO THE SOLDIERS AND SAILORS RELIEF ACT. i JUST FOUND OUT THAT I HAD A RECOURSE BUT WAS TOLD BY THE BANK AND ATTORNEY THAT I DID N'T. BOTH WERE NOT TELLING THE TRUTH. ONCE THE HOUSE WAS PUT INTO FORCLOSURE AND MY LAWYER DID NOTHING TO STOP IT. ONCE I REALIZED I HAD NOTHING OR NO ONE TO HELP ME I ASKED FOR THE CHAPTER XXXX TO BE DISMISSED. THE LAWYER WENT BEFORE THE JUDGED AND PERJURED HERSELF BY SAYING I WAS N'T IN COMPLIANCE WITH THE CHAPTER XXXX AND HAD IT DISMISSED THAT WAY. SHE TOLD ME I DID N'T NEED TO BE THERE. I FOUND OUT LATER AFTER I WENT TO COURT TO GET THE DOCUMENTATION TO VERIFY IT WAS CLOSED!!