davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NJ)

I issued a complaint against XXXX XXXX about the title transfer of my mortgage and not being informed of a foreclosure. XXXX has contacted me and stated they can remove the foreclosure from my records with proof of improper title transfer and supporting court cases. These have been sent to XXXX. My loan was sold from XXXX to Caliber Home Loans when they never legally had the title to actually transfer. This is to inform Caliber Home Loans of the incorrect foreclosure they have on record on my name. 
Here is what was relayed to XXXX Bank as to the issue : The title of my loan was not transferred from XXXX XXXX to XXXX until XXXX XXXX, XXXX, which is attached to this fax from XXXX County Clerk. I also have all other amendments that were filed with the court, NOT INCLUDING foreclosure proceedings. This is when foreclosure proceedings supposedly began against me but I was never given written notice of this. 
According to multiple court cases, the title transfer was incorrectly done and should not have been transferred in XXXX when foreclosure proceedings began without my knowledge. XXXX XXXX did not have proper rights to the title of my loan. It was not assigned to XXXX XXXX according to the trust agreement. This gives plausible inference that the assignment was improper. I am not looking to get my home back or for any financial reimbursement. I just want to get the foreclosure removed from my name. 
After much research, there are a tremendous amount of court cases that state this exact thing happened to them and were rewarded for their damages. You could also refer to a website called XXXX, which directly addresses issues with XXXX XXXX and XXXX deceiving homeowners during the time I was foreclosed upon. 
Four years after pledging to clean up wide-ranging foreclosure abuses, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX other banks still are n't complying with consent orders imposed by a federal regulator, reported the XXXX XXXX XXXX ( XXXX XXXX, XXXX ). As a result, the Office of the Comptroller of the Currency has restricted mortgage servicing operations at XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. 
Banking regulators obtained the consent orders in XXXX in response to scandals involving the robo-signing of foreclosure documents by token officials without knowledge of the facts, lost paperwork, illegal fees, and other legal shortcuts that became common after the mortgage meltdown.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

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 2017-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada) (TN)

XXXX breached our contract by not providing a signal in our home. The fact they provided us a " Booster '' that connected to my internet is proof enough. Providing this booster is XXXX admission that they had poor to no service. 
In XXXX XXXX we lost power due to a storm. During those 3 hours my internet was not powered and we could not get ANY signal from XXXX in our home. We have an XXXX year-old parent living in our home with health problems and has had numerous XXXX. After 20 years of paying XXXX XXXX of dollars using XXXX auto-pay, never a late payment, and listening to XXXX tell us every year that the service would improve, we ported our phones to XXXX. XXXX attempted to talk us back into using them. They would only allow communication by phone, not email. This is a deliberate scam XXXX uses to hide behind their recorded phones and leave their customers without any rebuttal. 
Bottom line they stretched full separation from this contract out over months of time, claiming during that time they were still providing us service. With our lines/phone numbers transferred to XXXX XXXX providing us service of any kind is totally impossible!!! 
In XXXX XXXX they apparently sold this false debt to Allied Collection Service, then totaling {$1400.00} of false charges and fees. Allied called us and we thought we had made it crystal clear to Allied we did not owe XXXX anything. I filed a compliant against XXXX with this site, and the FTC. I provided copies of these filed complaints to Allied by email and the issue went away ... we thought. The XXXX XXXX XXXX XXXX XXXX sent me an alert that my credit had been hit by XXXX and Allied. XXXX sent me a non-registered letter threatening me. I immediately filed another complaint, this time with the FCC and XXXX went silent. Then Allied hits us again with the same attempt to collect money from us that we do not owe. 
Now our credit reports have taken major damage, dropping our good credit ratings by more than XXXX points. This should be a criminal offense due to : harassment, character defamation, loss of income due to countless hours spent defending ourselves, and incredible stress ( having had XXXX XXXX XXXX this is not good ). 
Now our only option is to retain an attorney which we have in process. The only way I was able to get any communication with XXXX was by " chat '' on their XXXX page ... I have printed copies of the chat transcripts and many other documents for our attorney. 
PLEASE help us right this wrong!
Consumer complaint received 2017-01-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc. (PA)

I went to make a purchase at XXXX and attempted to use my XXXX credit card issued through Comenity Bank. The sales associate called customer service to find out why the card had been declined even though it was paid off a few days before. I was told by the representative that my account had been closed a few days prior because of " credit inquiries '' and that I was considered " too risky '' to do business with. I have paid my bills on time and in full every month. I was also told that all of my other accounts through them had also been closed, all of which were also paid on time and in full each month. I never received anything from them stating that they had closed my accounts. I upheld my end of the agreement by paying my bill on time each month.
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: I.Q. DATA INTERNATIONAL, INC. (UT)

This debt collector has used inappropriate tactics in order to collect a debt and has withheld information regarding my debt. I have asked repeatedly for more information and they seem to not want to give out more information regarding what arrangements I can make, nor make reasonable payment arrangements. As well as, their is n't a way to make a payment online, which while forces me to call and make a payment, while sustaining the abuse.
Consumer complaint received 2016-05-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I have an open investigation with the servicer of my loan, XXXX. I had also submitted my packet for a loan modification to be reviewed, and XXXX said that I do qualify for different programs to do a modification. My issue right now is that XXXX is the servicer, and Wells Fargo is the one that illegally foreclosed on my property in a sheriff sale yesterday. Wells Fargo does not even own this loan, even though they sold it to XXXX 2 years ago, the new servicer was XXXX and XXXX owned the loan, Wells Fargo had no right to initiate or continue with the foreclosure proceedings, and they have that on record and they know fully well what they 've done. I would like Wells Fargo investigated, because I have a letter from them showing that they acknowledge that I was releasing account information, for my loan modification, when I went into court on Monday, to ask the judge for more time pending the investigation and also for my modification to go through, XXXX, the law firm that represents Wells Fargo told the judge that they spoke with their contact over at Wells Fargo, and Wells has no record of any conversation whatsoever since 2012 with me. The law firm went on the record to say that Wells Fargo wants to proceed with the auction, how can that be when I have the documentation and I tried to show the judge? This has been a highly illegal foreclosure since the beginning, and now they just illegally took my home. The signatures of fake employees, securitization, unilateral assignments, and multiple other infractions of fraud is just the tip of the iceberg. Wells Fargo had plenty of opportunity to make this right, but since they are a big bank and they have a track record for doing this, they proceeded. My civil rights have been violated, why are they allowed to get away with blatant fraud? I am fed up with their games.
Consumer complaint received 2016-10-20
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

A loan that I took out in XXXX was grouped into a XXXX then I refinanced it in XXXX. The original loan was paid off through the refinance. I have a letter of satisfactions in XXXX XXXX records stating that the loan has been satisfied. Currently I am facing foreclosure proceeding to have my home sold by auction XXXX XXXX, XXXX. I have contacted the servicer, who by the way is the third servicers that has tried to foreclose on this closed loan, sent them a Letter of Validation, which they were to stop all proceedings until they answer, they have not stopped the sale and have not sent the correct answer in a timely fashion. The sent an outdated Notice of Assignment from XXXX, who was fined last year and part of it asset absurbed by XXXX XXXX Ditech Financial XXXX LLC. Ditech did not give proper Notice of the alleged debt, did not allow time to cure the alleged debt and only give 30 days notice, without answering The Letter of Validation of Debt, when they did send a response it was the out dated Notice of Assignment from XXXX and a late sent Assignment from Ditech which took over XXXX in XXXX, and their dated Assignment is in XXXX, which was only received by me in XXXX, XXXX, they have not answered none of the questions asked in the Letter of Validaton of Debt and over the past three years that XXXX has tried to foreclose they have never provided the name and address of the creditor. that they are collecting for. XXXX was summoned to court last year and missed all XXXX hearing. I spoke with the VA that guaranteed the loan that my husband secured with his entitlement in XXXX and they told me that they have not had any interaction with the loan since XXXX which is the month after the loan was refinanced and secured with a security deed by XXXX filed XXXX XXXX records. I do n't understand how they are trying to collect on a loan that has been closed for 11 years. I have not received any statements and they have not shown a true accounting for what they are saying is owed.
Consumer complaint received 2016-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (GA)

Rented a home in XXXX, Alabama. The realty company communicated with a 3rd party collections agency without contacting me about resolving the debt sent from the realtor. The charges listed were incorrect, but the issue was not properly resolved. I attempted to communicate with XXXX about the accused debt by letter, phone and email without response, but was sent to a debt collections with no communication from the company.
Consumer complaint received 2017-01-11
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Financial Corporation of America (FL)

I have an agreement with XXXX XXXX XXXX to make monthly payments, for which I am up to date. I am receiving letters from Financial Corporation of America stating they are debt collectors, that my bill is not paid despite previous requests and that my balance is seriously overdue. The amount quoted is not the amount outstanding on the payment plan. The hospital confirmed that my payment plan is up to date and not in arrears. Despite phone calls explaining that I am making payments I am still receiving these harassing letters which are causing me a lot of stress.
Consumer complaint received 2016-04-20
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My wife and I filed a Chapter XXXX because we had received a foreclosure notice in XXXX XXXX. The Chapter XXXX was discharged in XXXX of XXXX. I recently went to pruchase a home and the realtor said that the county records show that Bank of America transferred the deed out of my name to their bank in XXXX of XXXX. So because of the lending laws, I am unable to get a VA loan because it looks like my foreclosure is within 3 years.
Consumer complaint received 2016-04-19
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION (CA)

I received an email from " my boss '' asking me to transfer money to another bank account. My boss did not send it. Our domain name isXXXXXXXX, the email was disguised, but our IT person looked into it and discovered it came fromXXXXXXXX ( just XXXX " t '' instead of XXXX. ) The sender attached a pdf, asking for money to be wired to XXXX XXXX, via Compass Bank, XXXX XXXX XXXX XXXX, XXXX, NM XXXX. Routing number XXXX. Acct number XXXX. We did not transfer any funds, but I wanted to make you aware.
Consumer complaint received 2017-01-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (TN)

I visited the XXXX location XXXX XXXX XXXX, ( XXXX ) XXXX at in XX/XX/XXXX after verifying that they accepted my insurance. At each visit I provided my ID card showing proof of dental coverage. The company only submitted one claim for services provided. My copay for services was 20 %. Per my HSA records I have met this payment amount ( excluding the over priced toothbrush and fluoride rinse I purchased from them ). I confirmed the billing codes with my dental provider. I made payments for services at the time of my visits. The practice neglected to timely file claims with my dental provider and have submitted my information to 2 collection agencies. I have been threatened to have adverse information reported on my credit. I do n't mind paying what I actually owe. I knew the services would not be free of charge. And I received good service from the dental staff. But I do not think that I should be liable for the practice poorly handling their claim processes. Instead of billing me the 20 % they are attempting to bill me for 100 % of the charges incurred. I am attaching a copy of the letter I sent to the practice and the collectors to explaining the issue. I was first approached by XXXX. XXXX, XXXX XXXX XXXX on behalf of XXXX. Their letter gave me 30 days to respond in writing. After responding I received 2 phone calls. When I was able to return their call, I did not receive a call back. Later, I received a letter from a different collector ; Central Credit Services, LLC, XXXX, XXXX XXXX. XXXX. I am writing them a letter on the same day that I am submitting this complaint. I will also respond to a letter I received from XXXX dated XX/XX/XXXX. Contact : XXXX., Patient Satisfaction XXXX xXXXX ; XXXX, XXXX XXXX. Thank you.
Consumer complaint received 2017-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (MN)

Opened a BMO Harris everyday checking account on XX/XX/XXXX, using the promo code XXXX. I followed all requirements, including bringing the mailer to a local branch, opening a new account, and having two direct deposits of {$300.00} or more post within 90 days of opening. I made deposits over {$300.00} on XX/XX/XXXX & XX/XX/XXXX. The bonus was to be paid 120 days after opening ( XX/XX/XXXX ). As of XX/XX/XXXX I still have not received the bonus. After contacting the bank, I was informed that I did n't qualify because the direct deposits were n't from a payroll company. BMO terms are listed as " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening ''. I 'm XXXX XXXX, and pay myself from a business checking account from an external bank. Therefore I received 2 direct deposits, which were a paycheck, from an employer. This qualifies under BMO Harris 's  listed terms.
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Futura TItle & Escrow, LLC (OR)

I received a small settlement because of a diesel spill on my property. My loans were supposed to be suspended until the case was over per my lender. I went into Amerititle in XXXX XXXX and gave them a $ XXXX payment to pay off my second mortgage of XXXX or so. I am now trying to pay on my mortgage and found out these people took my money, did not pay my 2 nd mortgage off as I STATED, this was the only reason I paid XXXX XXXX I find out now they put it on my first mortgage, which increased my payments by over {$400.00} since I now have 2 mortgages to pay, I am being forced to pay interest and fees reaching in the {$1000.00}. I have contacted them numerous times and no one will get this resolved for me. I NEVER WOULD HAD GIVEN THEM THE MONIES IF I WASNT GOING TO PAY OFF MY LOAN. I OWE MORE NOW do to them scamming me out of my ORIGINAL PAYMENT CHOICE. I have no idea how a company can take my money and do the opposite of what I requested as well as benefitted by adding fees to BOTH mortgages now. I need them to change my payment to what I had requested and take off all the fees that they accumulated over the time of my loss. I am furious because corporate office wont return my messages, employees at the office wont even respond to my messages or emails. I am falling into forclosure from the problems this company has caused for me.
Consumer complaint received 2016-05-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (TN)

I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890
Consumer complaint received 2016-04-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC. (NJ)

I had a hard time paying XXXX XXXX and got behind in payments so this went on my credit report but last year I had a bank levy for the loan of {$520.00} dollars and when I called the court officer the only thing he can tell me is that those fees went to a lawyer but he could not give me details
Consumer complaint received 2017-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BYL Collection Services (CO)

BYL Collection Services LLC is trying to collect on a debt that they can not provide proper validation for. No original source document meaning a signed contract between me or even between the original creditor to show this debt is mine has been supplied. They are breaking the law, I want them to cease and desist with all collection practices and all communication. If the are representing an original creditor then the original creditor needs to supply me with the original contract that has my signature on it or an official call recording of any specific conversation that I had to become liable for this debt. They are violating section 609 of the FCRA and I do not want them contacting me anymore.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (TX)

Our mortgage was sold within a year of purchasing our new home. We have never missed payment on our mortgage, however it shows up on paper that we missed payment on our mortgage because we were never contacted by the new mortgage company ( Homebridge Financial Services ). We also have a new problem, because our mortgage was sold again in XXXX and our mortgage has been incorrect for three months and the new company ( XXXX Mortgage ) has not corrected it. There was an escrow shortage that we paid in full to Homebridge to reduce our monthly mortgage. As soon as we paid the escrow shortage our mortgage was sold to XXXX Mortgage. We have had to call for three months to get current amounts due corrected and this XXXX will be month four. Every time we talk to XXXX Mortgage, they tell us they can see that we paid the escrow shortage and will get it corrected however it has yet to be done. Due to all of these problems our credit has now been negatively affected when there should have never been a problem because every mortgage payment has been paid in full.