davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-30
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 — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

On XXXX XXXX 2017, a check, Number XXXX, in the amount of XXXX was presented to XXXX XXXX XXXX in XXXX PA. This account is an XXXX dedicated account ; all disbursements must be by check. I am the custodian on this account, which belongs to a XXXX XXXX XXXX XXXX. The custodial relationship is listed on both the check and the account. 

On that day, the check was declined without good cause by " Certegy ''. 

After such decline, a Consumer File Disclosure Report was requested from Certegy.That report 's control number is XXXX The information on that report consists solely of the fact that they declined the check, and that there is no other information on file. Six pages of FCRA legal boilerplate, and NO useful information provided at all. 

Note that this account is over 8 years old, and carefully managed. There has never been an overdrawn check on this account. Typical use occurs while the XXXX XXXX XXXX or XXXX XXXX, and a declined check could spell a disaster, so having a valid check declined out of hand for NO justifiable reason is unacceptable.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

XXXX XXXX XXXX is reporting a late payment on m y credit report, that it is inaccurate and i was never late, please help me to remove this inaccuracy from my credit report i have uploaded the XXXX XXXX letter for which they have approved to remove this delinquency, but XXXX is not removing and does not cooperate, the other two bureaus have already removed except XXXX. 
thank you for your understanding
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Grateful for this service. Thank you. Let me begin by saying I have correct and accurate correspondence on all that I will report below. I am asking your assistance after two years of effort with no satisfaction. I believe the issue is a lack of clear understanding at the bureaus. Perhaps, you can help them to a better understanding. 
I had a balance on a XXXX gas card. I was XXXX in XXXX and ultimately declared " XXXX '' by XXXX Court in a lawsuit against the XXXX. In XXXX XXXX corrected XXXX and I am now back to work and fully solvent. During my XXXX I was in active touch with XXXX XXXX XXXX Bank asking them to work with me XXXX. They said they would. Subsequently, they became XXXX - the reporting that I want to dispute. 
When next I called XXXX to accomplish a settlement, they took my information and said they would respond to me. After 30 days I called to inquire about the progress and they informed me that the account had been sold to XXXX XXXX XXXX. I voiced my anger with XXXX in calls and in writing to no avail. 
I shortly heard from XXXX XXXX XXXX. They sent me an completely out of bounds letter that violated the FDCPA in several letters. My complaint to them resulted, oddly, in them dismissing the debt and deleting they reporting from all of my bureaus. 
I was surprised by that, but not happy that my opportunity to resolve the debt and rehabilitate my credit score was now shut down. 
I called the original lender and again offered to settle the debt for a good will deletion. They said the debt was sold and they could not to that. 
I reached out in writing, with documentation, to all XXXX bureaus and asked them to delete the XXXX account. They said it was correct reporting. I said it was a violation of FCRA because I have no opportunity to resolve the debt and, therefore, no way to improve my credit scoring - despite the fact that the original lender knew I was disable and said they would help with with a work out when my finances recovered. 
I am asking your guidance regarding my options on how to resolve this issue. I have an account I would like to settle to improve my report, but the lender says they no longer own the debt. Ok, then delete it from my credit report. 
I look forward to your response.
Consumer complaint received 2017-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Today,XX/XX/XXXX, I have dismissed the recent litigation against SPS. So please answer my questions. 

I am again requesting a criminal investigation with you, among other investigative institutions. This request for investigation is based on tax evasion, money laundering, predatory lending, deceptive trade practices and fraud. 

I requested the name of the XXXX XXXX that my note was in, and have not received it yet. XXXX XXXX XXXX XXXX XXXX XXXX was the original lender on my note, not XXXX XXXX Mortgage XXXX as illegally placed at the lender on my note. With this Deed and note publicly recorded, XXXX XXXX XXXX may have committed Fraud, Forgery, Perjury, money laundering, among other crimes. 

My note has been through Assignments several times ( Attached ), each of which appear to be Fraudulent with signatures of Bank Employees, not XXXX XXXX XXXX XXXX XXXX XXXX employees, which went out of existence on XX/XX/XXXX and could not sign or transfer any documents or Assignments ( As attached ). Since XXXX XXXX XXXX XXXX XXXX XXXX had no authority to remove or assign my above note after XX/XX/XXXX, why were there Assignments in XXXX and XXXX? 

Each signatory of each document should be investigated to determine if they were in fact XXXX XXXX XXXX XXXX XXXX XXXX employees, or Bank Employees creating Legal Documents to Defraud the Homeowner. 

I have sent a XXXX asking basic accounting questions about records which SPS does n't seem to have.
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

Credit report disputed but no written resolution received. 
FHA loan Short Sale. 
Due to FHA guidelines I was required to be late on my mortgage and further decrease my credit score jeopardizing my livelihood with high interest rates, increased insurance premiums due to this requirement. 
I also hard a medical hardship. My property was listed on XXXX XXXX, XXXX and was not approved until XXXX XXXX, XXXX. On several escalations to XXXX XXXX were completed along with a conference call with the Short Sale Processing Manager and underwriting director. 
The first processor, XXXX XXXX on XXXX XXXX, XXXX denied my short sale application incorrectly. 
There were XXXX managers involved ; namely : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX Along with escalation to FHA, Lender 's market value was less than the sales contract. First buyer terminated due to numerous delays and listing agent was able to secure a new buyer in XXXX XXXX.
Consumer complaint received 2017-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Les Zieve (CA)

ALLEDGE : Extortion ( CA Penal Code 518 ) False Transaction Entries ( 18 USC 1005 ) False Claims ( 18 USC 152, 1-4 ). 

XXXX XXXX, XXXX, co-defendant with XXXX XXXX XXXX XXXX ( XXXX. ID XXXX ), XXXX XXXX ( XXXX. XXXX ) & XXXX XXXX ( XXXX. XXXX plus XXXX XXXX ) all scheduled for filing in U.S. Dist. Court subject REAL ESTATE FRAUD. 

On the XX/XX/XXXX, I was directed by the Assessor Recorder County Clerk, XXXX XXXX to seek and report Real Estate Fraud with the District Attorney 's Office for what appears to be a fraudulent filing of Default-Notice of Sale with intent to Foreclose, ( Docket No. XXXX, XX/XX/XXXX, XXXX, XXXX XXXX County Records . 

XXXX XXXX and these defendants, have placed them-selfs above the findings and rulings of XXXX XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX XXXX ) that the defendants ALL have never had legal standing or decision making with regards to our home or property.
Consumer complaint received 2017-08-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (IL)

I have been trying to get assistance with Citi Mortgage for 3 years now. When my hardship started my daughter was a XXXX. Now she is going to be XXXX. There has been a lot of time wasted and no solutions. My case was unjustly closed twice due to missing documents, they had those documents on file and they had me re apply again wasting more time. I am attaching my letter explaining more, and my authorized third party provided me with their notes with names, dates and ID numbers. I just want a fair review and i want to start paying my home again with an affordable mortgage payment.
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/2017 I transfered {$150.00} from a savings account to a checking account. I did this on line, as I had done many times before. I made this transfer to make sure there was sufficient funds in my checking account to cover expenses. In the past the decrease in funds from one account and the corresponding increase in funds in another account would show immediately. Recently this has not been the case. The reciept I printed shows the action I took occured on XX/XX/2017 but the transfer date was to be XX/XX/2017. 
When I went to the bank to voice my concern they said it was a business day sort of thing. 
To me this was a LAME excuse as the bank has no problem reducing a balance for a transaction on a friday and showing that decrease on saturday. 
As I said this is a new situation, It did not used to be this way. I believe Santander has changed it logrhythms to generate more overdraft fees. 
XXXX.
Consumer complaint received 2016-11-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Our real estate company filed a counter offer on a HAFA short sale on XX/XX/2016. They called back to confirm the counter offer was received, here is the timeline of calls to SPS : XX/XX/XXXX sent update offer {$310000.00} XX/XX/XXXX New offer in review. sale date postponed XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX SPS states counter offer LOST NOT IN REVIEW! 
The real estate company confirmed SPS had the XXXX short sale counter offer on XX/XX/2016 which helped postpone a sale date. And then XXXX weeks later SPS lost my XXXX short sale. My major concern is because SPS has refused to stop the sale date of XX/XX/2016. So for the past XXXX weeks while I ca n't sleep at night because I have a sale date hanging over my head, SPS has been doing nothing to help me avoid a foreclosure or receive a HAFA short sale. I am furious! This is complete fraud, and/or dysfunction! And I am the one who may pay for the SPS incompetence.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (CA)

I do not know what to do, as Statebridge Company will not respond to the RESPA 'Fully-Qualified Written Requests ' that I have sent ( in the same envelope as monthly payments. ) I had a  XXXX   credit score a nd took out a loan to buy a house  (   XXXX   XXXX  al ). I also took out a HELOC (   XXXX   XXXX  . ) I never missed a payment until just before I was supposed to receive a   promotional {$5000.00} for not missing a payment for  five years. My loan was suddenly not online and in-branch, they could't find any information.      Statebridge Company never notified us that they were our new  " Lender, '' but  credit alerts showed a derogatory account.     I called  Statebridge and they told me that I was in pre-foreclosure, and that there 's nothing that we ca  n do. They registered us with a property management company-   XXXX   XXXX   XXXX  - w ho trespasses and registered us in a 'foreclosed property ' database, meant to reduce blight i  n   XXXX   XXXX  .
Statebridge Company charges us regular NSF fees when payments are made in guaranteed funds, they wo n't apply payments.       Every month, after sending the payment " on-time, '' the next statement always carries a fee that was n't invoiced, such as repairs (?, ) 'VAC   PROP REG, ' 'BPO, ' 'Inspections ... ' always billed the day after the grace period ends, making us late and causing more fees.
The Escrow accounts also do not add up.       HELP!!
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CT)

XXXX, I 've maintained this Chase credit card account ( ending XXXX ) for over 15 years, although I did n't use it very often. I was offered a Promo ( teaser ) Balance Transfer offer, which I took advantage of. Coincidentally, shortly thereafter, due to lack of use, I was informed that the account was going to be closed - which it subsequently was. None-the-less, I had borrowed the money and was in the repayment stage. Here 's the problem : According to the Cardmember Agreement which I 've had on file since XXXX, I was obligated to pay principal of at least 2 % monthly ( plus interest, if any ). For repayment of this loan the bank was charging me a 5 % monthly. I called and spoke with a supervisor, who directed me online ( while we spoke on the phone ) to a more recent Cardmember Agreement. That agreement stated that I owed 1 % plus interest ( 2 % is reasonable and what I believe I ought to pay each month ). He told me that he nor anyone could change the 5 % requirement. During the conversation the supervisor said he 'd send me a copy of the agreement. I told him that was unnecessary since I downloaded it from the website he directed me to. He sent it anyway. Just received, the newest agreement XXXX computer generated and tailored to my account specifically XXXX states that I owe a minimum of 5 % monthly, plus interest. It disgusts me when a bank creates the rules as they go. Since my account is closed, my belief is that they want repayment as quickly as possible and terms-on-the-fly work for them. Further, they maintain a threat of sorts, in that they can adversely affect my XXXXredit score if I do n't pay the minimum they demand. Please fix this problem for me and others. THANK YOU, XXXX
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

We are fighting to keep our home. I sent in a QWR and OCWEN in return just made a document dump and sent me a box with thousands of documents ... there is no way of understanding what document goes with what question, hence I feel OCWEN is not in compliance with RESPA. Below is what I sent to them to comply. 
Best regards. 
XXXX XXXX Attn : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX Loan Number : XXXX Ocwen Loan Servicing , LLC Lady and Gentleman. 

I received on XX/XX/2016 the box of documents that the Research department provided from my request through the Qualified Written Request to you dated XX/XX/2016. After going through the documents you provided and trying to match them up with the specific questions asked in the QWR, it is clear that all that was done, on your end wasa document dump of everything inthe file for this property.There is no way that any person could verify questions in the QWR to specific documents that you provided and I find that you are not in compliance in spirit or deed with the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ). 

What I require is, you to take question by question in the QWR and match a document to each question you believe reflects it 's answer. You will have to make a " KEY '' like " A1, A2, A3, A4 and match question to document so one can understand what you are communicating. 

We have a lot at stake here, so lets at least be professional about it. 
Best regards. 
... ... ... ... ... ... ... ... ..XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2017-08-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Trans-Fast Remittance LLC ()

XX/XX/2017 I send mony to one of the agent TRANS- FAST REMITTANCE LLC.I send {$1100.00} to XXXX. the problem is mony did n't arrive when I check the bank in XXXX it should minutes only but now it almost 4 days .. I call the customers service they said it was cancel by the agent .. I try to call the agent but they never answer the phone .. I 'm so upset already coz I need to pay bills in XXXX
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TN)

XXXX as Trustee wrongfully foreclosed on our home. 

1. XXXX is named indispensable party in Federal complaint. XXXX as Trustee wrongfully answered the complaint. XXXX did not answer complaint. 
2. Attorney for XXXX represented different corporate entities regarding XXXX in XXXX XXXX XXXX Court. 
3. Loan was still in original XXXX XXXX trust after the foreclosure and sale indicating the loan had not been satisfied and removed from the trust as the Pooling and Servicing Agreement ( PSA XXXX states should have been removed or replaced by a similar loan. 
4. No original note was filed in any court and note was not assigned to XXXX. 
5. Only a fraudulent XXXX assignment of Deed of Trust was presented in court. 
6. No corporate disclosure for XXXX was filed in federal court. 
7. XXXX Memorandums from XXXX should not be used in any foreclosure actions. This should verify beyond all claims that XXXX, as Trustee committed a wrongful foreclosure. 
8. Representative of XXXX states that XXXX has no equitable interest in any of the loans that it is trustee for. 
9. XXXX, as Trustee claimed to be owner and holder of XXXX loan in federal court. Memorandums presented by XXXX show XXXX, as Trustee is not. 
10. Attorney for XXXX falsely claimed that documents presented were original, true and correct and they were not. This attorney contradicted his statements regarding same which upon information and belief could be considered perjury. 
11. XXXX is registered to do business in Tennessee. XXXX, as Trustee is not registered in TN. 
12. Fraudulent documents were consistently produced by attorney for XXXX, Litton loan, etc., but were claimed to be true and correct throughout the federal complaint. 
13. The XXXX never received any notification that the loan had been satisfied. 
14. The XXXX never received any IRS form XXXX from any entity connected with their loan. Upon information and belief, this could be considered tax evasion by these entities.
Consumer complaint received 2017-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC (TX)

On XX/XX/XXXX, and then again on XX/XX/XXXX, a demand for validation was sent the company posted Certified Return Receipt Requested. Other than the Return Receipts there has been no response to date. 

Omega RMS, XXXX XXXX, MO. continues to verify to the XXXX Credit Bureau that the debt is valid. There is no agreement with my signature on this company 's letterhead. 

Additionally, on XX/XX/XXXX, and then again on XX/XX/XXXX, a demand of XXXX to provide a method of verification has been repeatedly ignored.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (FL)

EXETER FINANCE COMPANY Mailing Address Exeter Finance XXXX XXXX XXXX XXXX, TX XXXX Exeter Finance Payment Processing XXXX XXXX XXXX XXXX, TX XXXX Email Address XXXX XXXX XXXX  Customer Service Hours Mon. Thu. XXXX XXXX XXXX XXXX ( CST ) Fri. XXXX XXXX XXXX XXXX ( CST ) Sat. XXXX XXXX XXXX XXXX ( CST ) Customer Service Phone ( XXXX ) XXXX COMPARISON OF EXETER FINANCE AND XXXX XXXX STATEMENTS EXETER BANK DATE PAID XX/XX/XXXX extension XX/XX/XXXXOK XX/XX/XXXX OK XX/XX/XXXX extension XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ONTIME!! **XX/XX/XXXX ( credit report states late 30 days late should be OK ) paid {$500.00} XX/XX/XXXX XX/XX/XXXX extension ( credit report states late 30 days should be OK ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$970.00} for XX/XX/XXXX. and XX/XX/XXXX ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! **XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} )XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! **XX/XX/XXXXEXTENSION GIVEN!! ( 30 days late per XXXX credit report ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXXPer these figures and facts, there are 13 wrong 30 DAYS LATE per the credit report!!
Only 7 of the '30 DAYS LATE are actually correct. 11 are incorrect by stating 30 days late!! Considering these mistakes, how many other mistakes do you think are made??
Per phone call these are the EXTENSIONS GIVEN : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY ONE PAYMENT WAS NOT SENT ONETIME. 
I TRIED TO CALL THE MTG CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE. 
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND. 
APPRECITAED