davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. As a victim of a data breach, these accounts were not authorized by me and must be removed in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX XXXX  XXXX - XXXX - $ XXXX XXXX XXXXXXXX - XXXX - XXXX - $ XXXX XXXX XXXX XXXXXXXX - XXXX - $ XXXX XXXX XXXX XXXX - XXXX - XXXX - $ XXXX XXXX - XXXX XXXX XXXX - $ XXXX XXXXXXXX XXXX XXXX  - XXXX - XXXX - $ XXXX BANKCRUPTCY - XXXX - XXXX - {$0.00}
Consumer complaint received 2016-01-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

wells, XXXX teachers fed cr union in ny, and myself were not serve notice from the hoa. I therefore should not be responsible why the hoa did not serve us. Condo was forclouse and new title issue on XXXX XXXX, wells paid pty taxes on XXXX XXXX and town should issue a refund to wells
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (GA)

XXXX, you are so dishonest and a liar. you called and left me a message only XXXX time, I have called you twice and left messages with no response. 
You did not give me the recast payment of {$430.00} ; you gave me the payment of {$460.00} which is not the recast. I understand the increase of my taxes and insurance, but I am talking about the {$430.00} recast. The {$86.00} escrow monthly is based on the increase from XXXX to XXXX monthly. my monthly payments with my recast should be around XXXX monthly. I 've earned this and you have no right to deny me. Please address why I did not receive the incentive of {$430.00} monthly payment? This is an incentive and I want what is due to me
Consumer complaint received 2015-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Apelles, LLC (CA)

XXXX has an unethical practice, bullying XXXX into paying above and beyond what they owe. 
I paid monthly fees for security services on my in-laws home in XXXX, FL. starting XX/XX/XXXX. The in-law moved to XXXX in XX/XX/XXXX & expired on XX/XX/XXXX. The house was sold in XX/XX/XXXX. The ONLY condition of Escrow was for the new owner to take over the remaining XXXX contract. XXXX continued to bill my credit card through XX/XX/XXXX. I called them to inform them of death of the owner & sale of the property as well as the condition of the escrow. After my call in XX/XX/XXXX - which they still have on record, I received no monthly statements and no notice of delinquency until a collection notice was mailed to me from XXXX onXXXXXX/XX/XXXX for a sum of {$870.00}. 
I called XXXX last week & they admit to all of the above but claim I " did not cancel my contract '' This is an unethical practice by XXXX. The clients are XXXX & unable to defend themselves. Most will pay these unjustified charges simply to protect their credit. 
THEY NEED AN AGENCY LIKE THE FTC TO PROTECT THEM.
Consumer complaint received 2015-09-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

In regards to the registered letter I got today : NOTICE OF DEFAULT dated XXXX/XXXX/15. 
My first missed payment was XXXX/XXXX/15. As I am applying for HAMP thru Ocwen since XXXX XXXX, 2015 and I am only 1 month and 22 days late, I am NOT in Default of my loan agreement. I dispute the validity of the debt. Nowhere in my mortgage note does it say you will raise my mortgage payment {$520.00} a month. 

I applied for a RMA request for mortgage Assistance on XXXX XXXX, 2015 when my mortgage went suddenly from {$1200.00} to {$1700.00} a month. I expect to get HAMP and PRA. I am in touch with the department every single week and have been diligent about sending yet more paperwork every week to wrap up this slow process. 

I understand that the making home affordable program was created to help XXXX of homeowners modify their mortgages. As part of this program Ocwen and the Federal Government are working to offer me options to help me stay in my home. However that has not happened yet. On XXXX when I was 1 month and 2 days late on my mortgage I was sent a Deed in lieu and offered {$12000.00} to move out. I was given a 1 day notice as I received this letter on XXXX. I 've expressed that I want to keep my home. The options I 've been offered so far is to get out. 

My mailman told me that an awful lot of people in this neighborhood are receiving registered letters from Ocwen. It sounds like you are trying to do a hostile takeover of the community. In addition why are there XXXX different addresses for Ocwen in this letter in addition to the XXXX different payment addresses?
Consumer complaint received 2015-04-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

After XXXX I had financial troubles because i lost some of my income. I contacted all my lenders at the time, and none would help me because I was current. After some of my payments faltered the lenders started calling me to collect. I had troubles making payments until XXXX or so with HSBC Mortgage Services. The agreed upon a payment plan to bring the loan current around XXXX XXXX. The begun debiting my account directly around the same time for an agreed amount of XXXX or so per month. They never explained to me that the XXXX per month would never bring the account out of the rears and they did not explain to me either that they did not make a loan modification. After i noticed that my debt was not coming down, I contacted HSBC again to see why this was happening. The informed me that the amount was not enough to cover and pay the amounts in the rears. So I accepted to increment the monthly amount to XXXX per month. 
The Loan should have come to current in XXXX XXXX but HSBC did not apply the payments correctly. So in XXXX XXXX I had to call to get the payments applied correctly. After they corrected the payments, they stopped reporting credit to the bureaus and all through out the period of time where they were drafting money from my bank account per the arrangement, they were reporting that I was paying Late.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am reaching out to notify you that I have been a victim of identity theft, resulting in the appearance of several fraudulent entries on my credit report without my awareness or approval. XXXX Unapproved accounts and XXXX inquiries have been added to my report, none of which were authorized by me. 

ACCOUNTS - XXXX XXXX XXXX XXXX - XXXX XXXX INQUIRIES- XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft and now request the prompt removal of these fraudulent items to maintain the accuracy of my credit report.
Consumer complaint received 2016-01-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (LA)

I have had a HELOC product for the past 10 years for a rental property. The loan was originated by XXXX XX/XX/XXXX. Over the course of the loan, the servicing has been performed by XXXX, XXXX and now SLS. I have paid the loan in a timely fashion for the past 10 years. I have made the payments on-time and have never missed a payment, nor had a delinquent payment over the course of the loan. The loan 's servicing was recently sold to SLS over the past 9 months. Unbeknownst to my husband and me, the loan matured XX/XX/XXXX. I was never notified of the pending maturity, nor received a pay-off statement in the mail. 
I contacted SLS XX/XX/XXXX to make my monthly payment, as I was unable to sign-in online. I was told from the servicing representative that the entire loan balance had matured. I stated to the representative that I had never received any communication from them. The servicing representative indicated that the documentation was forwarded to an address that I no longer maintained, and had not maintained for over 30 months. The previous servicing agent ( XXXX ) had the correct mailing information on file, as I previously received my bill on a monthly basis with no issue. I was told that when the servicing transferred that I should on my accord contact the servicer and provide them with a copy of my driver 's license and address. As this information was not communicated to us, how would we know? 
As I did further research, my credit report now reflects that I have been past due since XX/XX/XXXX. I am unclear as to why they are showing the XX/XX/XXXX payment as past due. As I previously indicated, I have NEVER had a past due payment on the loan for over a period of ten years. I am willing to pay the HELOC balance in full ( $ XXXX ) ; however, I would like the lender to correct the false, negative information that is being reported to the main XXXX credit bureaus. Additionally, both the lender ( XXXX ) and their vendor ( SLS ) need to ensure that correct information is maintained and properly integrated when servicing rights are transferred and/or sold. Proper due diligence regarding vendors may ensure that this process does not negatively impact the consumer. If we had been properly notified, as required, we would have had a better opportunity to make the necessary arrangements to complete the pay-off prior to maturity ; however, we never received any communication. 
I have asked the servicer for a copy of the pay-off statement, so I can forward them the funds. I am not in-receipt of the pay-off statement and am unclear where/how much funds that I need to forward. Daily I receive calls from their debt collectors demanding full payment. I ask them to check their servicing notes within the customer 's file. I have indicated than I am willing and able to pay, but I just need a pay-off statement. 
XXXX XXXX XXXX *********** XXXX XXXX XXXX ***********
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX  ACCOUNT # XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.


15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g
Consumer complaint received 2015-04-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I have previously submitted a loan modification request for assistance on XXXX XXXX, XXXX. My request for assistance was due to a hardship that began in XXXX when I was laid off from my job and I struggled for over a year to find a job where I would earn a similar wage. After securing a well paying job in XXXX and paying off all of the debts I had acquired in XXXX, I fell behind in my mortgage and I was again laid off just XXXX weeks ago. I am presently working toward securing a new job ; however, I am very concerned that my home is scheduled for a foreclosure sale on XXXX XXXX, XXXX. I have submitted a Qualified Written Request, Notice of Error and Request for Information on XXXX XXXX, XXXX and delivered to Wells Fargo on XXXX XXXX, XXXX via XXXX tracking number XXXX ; however, as of today 's date Wells Fargo has not responded ot my request and has not postponed the upcoming foreclosure sale in agreement with the Notice of Error/Request for Information, QWR delivered to them. As such, I kindly request your assistance in having Wells Fargo respond to my QWR, Notice of Error/Request for Information and have them postpone the upcoming foreclosure sale in order to confirm the amount owed as well as explore all available loan modification options available to me. I would greatly appreciate your assistance in saving my family home which has been our family home since my wife XXXX XXXX passed away in XXXX. 
Additionally, I have sent an email to Wells Fargo CEO President and Chairman XXXX XXXX on XXXX XXXX, XXXX and he has been unresponsive. 
Please engage my representative XXXX XXXX XXXX at XXXX as she has my written authorization to speak with you. For your reference, I am forwarding you the supporting documents along with the QWR, Notice of Error/Request for Information, prevoiulsy served on Wells Fargo Bank. Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (VA)

Enhanced Recovery Corp is reporting XXXX accounts on my credit report that do not belong to me. I have disputed these items several times. I have submitted fraud affidavits. In dealing with other companies I became aware that I must have been the victim of identity theft. A look-up of my names generates several different name and social security number combinations. I am requesting that Enhanced Recovery Corp delete accounts XXXX for {$1500.00} and XXXX for {$200.00} from my credit reports with all of the national credit reporting agencies. I would like this company to also cease all contact with me regarding these accounts that do not belong to me.
Consumer complaint received 2015-11-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

I filed bankruptcy and did not include my mortgage as I intended to keep it and have always paid on time. After I filed my BK but before it was discharged a law was changed stating that you must reaffirm your mortgage with your bank. I was never notified and my bank refuses to list my mortgage on my credit reports and it shows up as included in my BK. So my years of perfect payments do n't show up on my report. Chase bank has admitted that this fell into a grey area but says there 's nothing they can do about it. I want my mortgage to show up on my credit report because I notified them that I intended to keep it and make payments on time. They acknowledged that they never told me I needed to reaffirm and it was their fault and now they notify all the BK customers. Please help me get my mortgage back on my credit.
Consumer complaint received 2016-03-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Credit Central Holdings, LLC (TN)

I had XXXX accounts with credit central. In the last few months I got behind. I started paying XXXX check for XXXX accounts each month. I advised the manager XXXX XXXX on several occasions that I was paying XXXX check for XXXX accounts. She continued to insist that I was behind even though I was paying XXXX check for the XXXX accounts each month with late fees included. In XX/XX/XXXX I went to the location I discovered my account was overdrawn and stopped to tell her the check I wrote would bounce and told her I wanted to pay her cash to take care of the bad check, the fees, and bring my account current through XX/XX/XXXX. She said the amount would be XXXX. I had XXXX. She did n't have change and had to go to the bank. She was gone half an hour while I sat waiting. She then took twenty minutes to figure out how to post the money. She printed me XXXX receipts total. First she printed XXXX, XXXX for each account. When I saw she charged me a returned check fee two times for XXXX check she called corporate. They told her there should only be XXXX fee. She then reposted my cash, printed me XXXX more receipts XXXX on each account, and when I saw the remainder on the small XXXX was XXXX I then gave her cash to pay that off. I told her I would be back in XX/XX/XXXX and she agreed. Then three days later I got a call that I owed te bad check and fee when I had just paid it. I advised tee to have XXXX call me. She left a voicemail I tried three days to call back but she was always in lunch as I am only call at lunch when I am not having a business lunch. We played phone tag. After two weeks of working solid teaching classes I called and tee said I owed XXXX my payment on the account not paid was around XXXX. Tee said I owed the bad check, the fee, two payments and late payments and another XXXX she could n't explain. I looked at the receipt XXXX and none reflected I paid XXXX for all of that. The only receipt that was right was the one that showed I paid off XXXX account for XXXX. The others did not add up to XXXX cash I had given her. This manager either posted my money wrong or flat out stole it. I no longer have the receipts but I am sure the company must be able to pull things like that. Two years ago they called me and said I was late on a payment I had given them when i went to pay the payment after cancelling the check they said they did n't have, I showed the girl at the desk that my check was laying right there on her desk ( the XXXX I had paid to cancel ). I drove up there on lunch to give them something they already had. I should have filed a complaint then but did n't.
Consumer complaint received 2016-03-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ORG GC GP BUYER, LLC (MO)

My expense account was not paid from my organization. XXXX XXXX referred the account to GC services XXXX. At approximately XXXX XXXX XXXX called my cell and left a voicemail. At XXXX, my husband called and told me he spoke with XXXX XXXX and she disclosed that there was an outstanding debt. 
This is in direct violation of the FDCPA ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a pos tjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2015-09-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AL)

I purchased a used XXXX VW Passat in XXXX XXXX for {$18000.00} from XXXX. The car was financed by Santander. I have made 49 payments on the car at a payment of {$530.00} per month. As of XXXX XXXX, I have paid over {$26000.00}. I still owe XXXX on the vehicle. Since buying this vehicle, I have read numerous complaints about this company overcharging customers for car loans. 

Earlier this year my car had to be repaired due to mechanical issue. I called Santander to ask if I could get an extension on my car payment for that month. I had to call back in ten days for a response all while my car payment was due. The extension was denied because of this late fees were attached to my bill. 

Santander calls you even before your bill is due. I have received calls on Sunday and numerous times throughout the day. They charge outlandish fees to pay your bill online or by phone. I called Santander to ask them if I could refinance my car and was told they do n't refinance cars. I have tried to get my car refinanced with other companies but was told that my car has negative equity. Basically, I owe more on the car than it is worth. Is there a class action lawsuit? If so, I would like to join.