davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I am having issues with SLS Specialized Loan Servicing Company. When the mortgage was turned over to them from a previous mortgage holder a couple years ago THINGS GOT REAL BAD. Since then the posting of payments made have been inaccurate and misfiled, even so to have me put into foreclosure that went all the way to a Law firm XXXX XXXX XXXX firm that SLS later found the mistake and corrected it this was in XX/XX/XXXX. I was shown as XXXX behind. They were going to take my house. SLS ended up fixing the foreclosure with the Law firm. Only saying they misplaced the money. They mailed me a statement that shows not past due, current amount and payment amount due etc. XXXX XXXX XXXX XXXX emailed me a copy of the dismissal letter and said your not in foreclosure. I now have damaged credit showing 19 plus late payments and another amount of XXXX on my credit from them! They are crooks. I have called them asking for proof of their mistake of putting me into foreclosure then them fixing it and they told me the money just got misplaced. I called SLS XX/XX/XXXX just to ask when they received my last payment and when is the next one due because i do not trust them SLS told me they have not received anything since XX/XX/XXXX!! I have the proof XX/XX/XXXX was made last week. They are ruining my credit with 19 plus late payments stating 150+ days late! This is now on my credit. I used to have them draft my house payment from my account. I had that finally come to a stop last month after a long time of getting someone to help set it up. They have horrible reviews and need to be stopped. This was my first home i purchased when i got out of the XXXX years ago. I now rent it out as its too small for my family. We were going to purchase a new home this year and the loan officer told us this was on our credit! This company is recording false payments and as my phone call the other day they still are not recording my payments. This must be stopped. Please help. Thank you
Consumer complaint received 2018-06-22
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. (IL)

I have requested on several different occasion since XX/XX/2018 to investigate the two bankruptcies that are appearing on my credit report and several student loans.I sent letters certified in XX/XX/2018 and XX/XX/2018. I also sent regular mail letters with documents that were sent to me from the creditor themselves with information about my account. Equifax is claiming they are investigating and or reinvestigating the issues but to no avail they have not supplied me any proof of any document filed on my behalf.

I have security freezes on my social security number because of the data breach that I was a victim of. Equifax keeps giving me the run around stating that they have mailed me copies of my credit report when in fact I have not received a copy of my report since XX/XX/2018. I have tried to have a resolution to these things reporting negatively on my credit report but Equifax refuses to supply with the name of the 3rd party they are getting information from.
Consumer complaint received 2018-06-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (SC)

We entered into a rental contractual agreement which ended XX/XX/XXXX. We decided to not continue with the apartment due to various reasons. The keys were surrendered to the manager and the apartment cleaned and in excellent condition. We have pictures and other documentation. We had no access to this apartment after XX/XX/XXXX. All rents and utilities were paid through XX/XX/XXXX. Around XX/XX/XXXX we received a notice regarding a collection account from XXXX XXXX XXXX for XXXX   XXXX XXXX XXXX for {$1900.00}. We disputed the debt and filed a complaint with SC Dept of Consumer Affairs, however according to their correspondence on XXXX, no response was received from National Credit Systems. 

On or about XX/XX/XXXX we received another notice reflecting the creditor name to XXXX XXXX XXXX XX/XX/XXXXand the balance of {$1200.00}. We are concerned that some type of claim may have been made against XXXX XXXX against the {$500.00} bond we had moving in. Again the property was paid through XX/XX/XXXX and left in excellent condition that can be verified. Also, note we had a refundable security deposit that was never disclosed as to what happened to it and we never received any details as to why the collection account or amount change. 

On or about XX/XX/XXXX we mailed a certified letter to National Credit Systems maintaining that we still dispute this debt and initiated a Cease and Desist order indicating until the investigations and reviews are completed. The letter was noted by the US postal tracking system as picked up XX/XX/XXXX at XXXX. Our credit accounts have been dinged by National Credit Systems unreflective of the information in the XX/XX/XXXX notice we received from National Credit Systems on XX/XX/XXXX. Please note they have dinged each credit reporting agency differently from what their notice in XX/XX/XXXX states. We still maintain our position of disputing this and this company has used unfair and unethical practices, in modifying and changing information without notification of changes, information reported to credit bureaus. 

According to South Carolina Department of Consumer Affairs letter they did not make any progress with this company responding.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I got a 5 year auto loan with USAA. I NEVER HAD A LATE PAYMENT AND PAID MY LOAN OFF EARLY. THERE is a false claim of being 30 days delinquent on my account and no one is trying to remove this slander. The XXXX to be a trend with XXXX   having bogus things in our credit report that doesn't get removed. Definitely seems to be systemic. XXXX as well as ignorant people would claim it has to do with paying bills well if you can read. I paid vehicle off early ... and somehow was 30 days delinquent. Sounds like opppression or unfair treatment too me.
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

The XXXX card was first offered to me through XXXX XXXX Bank as a points card. It was later sold off to Bank of America, who then changed the terms of the contract. Instead of life time miles as long as charges were made on the card annually, Bank of America changed the terms to allow miles to expire after five years. Bank of America is not honoring the agreement and the contract made between XXXX XXXX Bank and myself. I did not recieve any notice of the policy change. This is very deceptive marketing and practice.
Consumer complaint received 2018-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (FL)

I have a problem with XXXX XXXX assistance in XX/XX/2018 I got a flat tire midnight and after I called road assistance two weeks after my wife and me got fraudulent transaction in our provided credit cards and we filed policy report not body take responsibilities, but now the situation is we cancelled the insurance for wheels & tires and the only thing I want is don't pay {$30.00} a month for this insurance but after they acceptance to cancelled the insurance they said over the email if I don't use the insurance or I don't have anymore still have to pay {$30.00} a month I don't want to pay that just pay the monthly payment for the car.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (CA)

I have had a Chase Sapphire credit card account for many years. One XX/XX/XXXX the company notified me that someone had obtained my information and was making fraudulent charges. Chase issued me a new card and advised me to get a police report about the incident and send it along with a request for a fraud alert on my account to the three credit reporting agencies. I did all that ( see attached documents ). 

On XX/XX/XXXX a Chase representative called me and said TransUnion, apparently in response to my written request for a fraud alert, had blocked the account as a fraudulent account and removed it from my credit file. Therefore Chase said it could do nothing but completely close the account and could not issue me a new credit card. 

I wrote another letter to TransUnion ( attached ) saying it had misunderstood my request and to add the Chase account back to my credit file. 

I called an XXXX XXXX at XXXX ( XXXX ) and he confirmed XXXX had indeed removed the Chase account from my file but that he could not reverse that action without a request from Chase. 

I called XXXX at Chase ( XXXX Ext XXXX ) and asked her to request of XXXX that the file be unblocked and to reinstate the Chase account. She said she could not make that request and referred me to the FTC which referred me to Consumer Finance. 

XXXX advised me that incident has not harmed my credit and that there is " nothing negative '' on my file. However, I can not just open a new account with Chase as I would lose some 300,000 points for air miles with XXXX XXXX  mileage plus. Additionally, although I still owe some money to Chase on the old account ( not due until XX/XX/XXXX ) Chase refuses to send me a statement showing what the charges are for or any other information. XXXX in fact told me Chase can not communicate with me by mail any more. I have not yet received anything at all from Chase in writing about this incident. 
I need to know how to proceed to get a copy of my statement, to redeem my points for air miles, and reinstate my account. Thank you.
Consumer complaint received 2018-07-17
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. (CA)

My account has been reported as 30-59 and 60-89 days past due as follows : XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. 

I have made several attempts with XXXX XXXX to determine how this was determined, but I have not received a definitive answer as to how they have calculated the past due payments.I have requested printed statements, to assist me with such information but I have not received a single one. Statements were requested for the months of XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX prior to their due dates. The requests were made through a customer service representative. Customer representatives have provided misleading information ( i.e. minimum amounts due ) over the phone.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2018-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MO)

I submitted an FTC report to all 3 credit bureaus on XX/XX/XXXX. XXXX and XXXX have removed the accounts on the report Equifax have not. These accounts were obtained through identity theft. Prior to filing an FTC report I reached out to the creditors to attempt to resolve the issue with out any success. The credit bureaus had 30 days upon receipt of my FTC report to remove named accounts from my credit report. The name accounts do not belong to me I never opened named accounts and would like them removed immediately Accounts in report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I have received paperwork where XXXX is threatening wage garnishment formerly Nelnet, Since I do not have access to a phone during their available working hours, I sent a long detailed letter and financial information to them that they requested using the forms available to me on their website. All the information was provided to them by the date requested in order to set up some sort of payment arrangement. They have not sent me a statement that shows the amounts owed and why? I requested in writing for an itemized information regarding what is owed, including the payments I made in the past including the taxes they garnished from me in XX/XX/XXXX and XX/XX/XXXX filings.
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

I already filed a complaint on XX/XX/XXXX. 

" On XX/XX/XXXX, I called to report my credit card lost / stolen, and asked for a replacement card to be sent OVERNIGHT to my WORK ADDRESS. XX/XX/XXXX came and went, and I never received a card. I called the same night and asked where the card was. I was told it would arrive by Monday, XX/XX/XXXX ( even though I had requested it to be sent overnight ). Monday, XX/XX/XXXX came and went. I put in a third call to Chase to inquire about the replacement card. The representative assured me it was on the way. Finally, on Thursday, XX/XX/XXXX, I received the replacement cards via regular mail ( instead of overnight ) sent to my home address ( instead of work address ). I asked if Chase can compensate via Ultimate Rewards Points for the trouble and lack of follow through, and I've gotten no response. '' On XX/XX/XXXX, Chase closed the account without resolving the issue, and said they issued 5,000 reward points to my account, but never did. I've made at least three calls to the Executive Office since, and have gotten no response from XXXX. I want to reopen the case.
Consumer complaint received 2018-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Due to financial difficulties, my father and I has defaulted on our mortgage. We reached out to Ocwen Loan Servicing to discuss options and was placed on a repayment plan in XXXX of XXXX whereas I was required to pay a large initial down payment toward the repayment plan in the amount of {$10000.00} with payments to begin on XX/XX/XXXX. I called into Ocwen to authorize my payment by phone on XX/XX/XXXX which was to be dated XX/XX/XXXX. The representative that I spoke with dated the check for XX/XX/XXXX which caused the check to be returned insufficient funds. I immediately reached out to Ocwen to advise of this issue however ; there did not want to take responsibility nor resubmit the check to my banking institution. As a result, the repayment plan that was offered broke. Ocwen loan servicing required that I start the process over again and submitted all updated financial information to submit my request for workout assistance which I did. In the submission to Ocwen, I requested for the plan to be restored as a result of their error. Several months later, Ocwen offered me another repayment plan however ; increasing my payments to an amount we are unable to afford. They advised me they would be mailing me the repayment plan that will require our signature which I never received. The first payment was due on XX/XX/XXXX. To date, we still have not received the repayment agreement. Furthermore, given the age of my father and medical condition, I also requested if we were able to be considered for a Loan Modification however ; was advised that we received several modifications in the past which was not true. We only received 1 modification which was offered in XXXX. We attempted to explain this situation to Ocwen however ; they would not accept our response.
Consumer complaint received 2018-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (WA)

I paid Caliber Home Loans {$100.00} for a Broker Price Opinion ( BPO ) to see if I was eligible for PMI removal from my mortgage. On Thursday XX/XX/XXXX a broker came to my house to inspect the property to complete the price opinion I ordered. When I requested a copy of the documents completed by the broker a different broker who had not been the one to inspect the property had certified that they had personally inspected the property on XX/XX/XXXX. 

XX/XX/XXXX : I made a written complaint to Caliber Home Loans on XX/XX/XXXX regarding the accuracy of the BPO as well as my concern that the BPO was completed by a broker who had not actually inspected the property and certified that they had. They also listed the wrong date of the inspection further proving the inaccuracy of the document.

XX/XX/XXXX : I called Caliber Home Loans to follow up on my written complaint. They said that my complaint was not complete because I did not provide receipts and photos of improvements to the property and that I had not provided three comparable properties to dispute the outcome of the BPO. I contended that I did not need to because the document I was contesting was falsified. Caliber Home Loans said they would call me back the next day at XXXX PST. 

XX/XX/XXXX: After waiting 2.5 hours after the appointed time for the call from Caliber I called them. They said that the issue was closed because I did not provide the receipts, photos and list of comparable properties despite my protest that the document in question was falsified and that should be enough to merit repeating the BPO.

My complaint is that Caliber Home Loans is using a falsified document to refuse to remove my PMI requirement for my loan.
Consumer complaint received 2018-06-21
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: Experian Information Solutions Inc. (CA)

The last 2 pages of the PDF evidence can be disregarded. They go to the XXXX XXXX complaint. 
I contacted Experian credit bureau for months attempting to get them to correct my file regarding the XXXX XXXX account. Although they acted like they were going to do something, in the end they not only refused to change it, but told me they wont allow me to attempt to dispute it any further. 
I sent them copies of the pending court case which was enough for XXXX to remove it, but not good enough for Experian. So instead of reporting it as on litigation hold like were supposed to by law, they showed missed payments and finally a charge-off before it even went to court since they kept sending me continuances until their attorney sent me a fake continuance which the court decided was fine by them and the BAR Assoc. didnt believe it was done on purpose.

So it is still affecting my credit score and still unresolved.
Consumer complaint received 2018-06-21
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. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 DAY LATE - XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-06-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (NC)

At the time of this loan my name was XXXX XXXX. I got the loan in XX/XX/XXXX. I started off pretty good, but through the course of the loan I lost my job and had to take a lesser paying job in XXXX. My finances decreased and I couldnt really afford the car. GM Financial offered me deferment to get current. Eventually I fell behind again. I had lost another job, I dealt with the lost of my daughters father to XXXX, after while I asked about refinancing and they said they didnt do any refinancing. I tried my local bank and they told me I was upside down in the vehicle. So there I was stuck in a car loan that I couldnt get current in no matter how hard I tried. My loan was for about {$15000.00} and by the time I voluntarily surrendered the car I still owed them {$12000.00}. I was disgusted, depressed, and felt taken advantage of. I couldnt see myself throwing money away to interest and never owning the car. I felt relieved afterwards but still upset because I threw away so much money. Now Im still owing a balance on car I dont have and it is negatively affecting my credit. No one at GMFinancisl every told me that it wAs a simple interest loan or what my per diem rate was. Now I know about these things I feel that this was a ripoff, like predatory lending. I feel this balance should be XXXX and removed from my credit reports
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

Also, I would like to be provided proof I consented to TO ANY/ALL hard inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately : Company Information : XXXXXXXX XXXX XXXX  XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX : : Date of Inquiry : XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my SSN. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.