davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I am livid of the way SLS has handle my loan, in order to prolong my case further more behind. I have summited a complete modification packet for review. However the account where I deposit my husbands contribution and the rental income I am collecting, is a savings account I open with XXXX. This bank can only provide me with a statememnt every six months. I have fax SLS my history of transactions showing the contribution and rental being collected. But SLS is refusing to use my Transaction history because they want an actual bank statments. I have provinded all that I can and now SLS is stating that all my documents need to be in before XX/XX/2016. If not my file will be close, I belive SLS is doing everything in their power to deny my loan once again for any assistance. I am in desperate need of assistance I am fighting to stay in my house.I have summited a letter from my bank XXXX explaning the reasons.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (GA)

I currently have an account with XXXX XXXX XXXX XXXX, and have had this account for many years. According to XXXX XXXX XXXX XXXX, my account is completely up to date with no past due balances, and certainly no balances sent to collections. I received a letter from Afni, Inc. informing me that I owe {$310.00} to the creditor XXXX XXXX XXXX XXXX. I believe this to be a scam. Unfortunately, this collections agency 's scam attempt is showing up on my credit report and negatively impacting my credit. I mailed a certified letter yesterday informing Afni , Inc. that I dispute the debt. I would like to get this inaccurate information removed from my credit report as well. Please help! Thank you for your assistance, XXXX XXXX XXXX
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MS)

I recently disputed several items with XXXX and the items were deleted from my credit report ... The company name was listed as XXXX XXXX and now they have re inserted the negative items back on my report but under XXXX XXXX, I was never notified by the collection agency nor the Credit bureaus that this information was going to be put back on my reports. This has caused a tremendous drop in.my score and has affected my pre-approval for my home. When, I disputed the items I asked for a debt validation letter along with XXXX correspondence but the company failed to reply back with supporting documents.. They have violated the Fdca law and the Fcra which I can seek damages from the collection agency.. The debt is n't owed because it was included in a paid lawsuit..I have documentation of debts being paid.. the date of services were XX/XX/XXXX,2016..I am asking that these negatives be removed immediately with company and the company be advised not to re insert these items back to my report and if they do, I will sue..
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

My name is XXXX and I am writing you about a bankruptcy listed on my Experian credit report, in which I have tried to have it removed. Apparently someone with a similar name to mine filed bankruptcy in the United States Bankruptcy Court Northern District of Illinois, and it is appearing on my credit report. After contacting the Bankruptcy Court, they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As they well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They continue to report the bankruptcy verified. Please find with this complete of my proof that they have never verified this with the furnisher. 

" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, the credit bureau has an obligation to conduct a reasonable reinvestigation.79 Thebureaumustgenerally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 Moreover, it has five business days to forward the dispute to the relevant furnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, or can not be verified, the bureau must delete the disputed data.83 Furnishershaveindependentobligationsunderthe FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section 611 to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''
Consumer complaint received 2016-12-13
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Platinum Holdings Group, LLC (AE)

Platinum Holdings is attempting to collect a zombie debt by claiming that the debt I supposedly owe does not fall under the FDCPA statute of limitations. They have been calling my siblings due to my being out of the country. I called and spoke with XXXX and she proceeded to tell me that since it was a debt owed to XXXX, it falls under a " precious metals contract '' and has no statute of limitations. When I stated that I did not acknowledge the debt and wanted documentation proving the debt in order to seek legal advice, she refused to send me the documentation. She is now saying that their counselors will be proceeding with suing me even though I have not received any documentation. At. All. from them. She stated they were sent to my old address and it did n't show in her system that I had received the documentation. That 's because I never received anything from this company in any way, shape, or form which she well knew! Once I stated I did not acknowledge the debt, she proceeded to speak over me and got hostile. This is a debt that is over a decade old that they say I owe but refuse to prove that I do indeed owe. She refused to send me anything since I do not acknowledge the debt. This is a debt that does n't exist on my credit report! So there is no legitimate claim that I legitimately owe. She refused to send me anything after I refused to acknowledge the debt. I asked her for her agent number and credentials and she gave me her extension number ( XXXX ) instead saying that she is not an agent and has no credentials.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

My mortgage was bought from XXXX by SLS in XXXX. Since then I 've had nothing but issues with them. They charge {$9.00} to take a payment over the phone and refuse to accept my electronic payment. They refuse to send me any kind of statement as to escrow, account payoff, or how much my payment should be after tax adjustment. They are rude on the phone and the only time I could get any information from them is when my bank called them. They refuse to give out information to anyone but a bank or a lawyer. I 'm the customer do n't I have any rights when it comes to my mortgage? They claim that because I filed for bankruptcy, which was XXXX in 2014, I have no right to any statements. However XXXX, the original lender, sent me statements each month. How do I know if SLS is living up to the mortgage modification if they wo n't give me any statements?
Consumer complaint received 2016-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (TX)

XXXX credit report showed Enhanced Recovery collection account. 
XXXX requested validation from Enhanced Recovery collection XXXX Enhanced Recovery removed collection account from XXXX and XXXX XXXX Enhanced added the account back under new account number and higher amount to XXXX and XXXX credit reports with different open date. 

However Enhanced Recovery never responded to validation request
Consumer complaint received 2016-07-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Ditech -- and Green Tree before it -- is nothing more than a collection agency masquerading as a mortgage lender. Somehow, my XXXX XXXX XXXX mortgage loan was moved to Green Tree ( later known as Ditech ). The company policy of harassment was constant and their accounting always suspect. 
My complaint now is that I ca n't get Ditech to send me my escrow refund following the sale of my house. The company HAS sent me documentation that my transaction was settled and approved and that I was due an escrow refund, which they claim they have sent. There are numerous complains posted online regarding Ditech 's " check-must-be-lost-in-the-mail '' excuse, which is exactly what I got. I was told I would have to wait 30 days to request a replacement check, but now my requests are seemingly being ignored. 
I have filed a complaint with the Texas XXXX and will also file complains with the XXXX and any other agencies which might help resolve this matter. 
Although, there 's more to this than resolution. This company represents the worst in business models and business practices. And, apparently, there are limitations in the degree of punishment they can be assessed for their practice of delinquent escrow refunds. 
I feared/expected " more-of-the-same '' treatment from Ditech, even after ending my business relationship with them. And more of the same is what I got.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Payoff process — 
Company: Atlanticus Services Corporation (MD)

I am desparately seeking your assistance with having a creditor ( that was paid in full per a mutually agreed upon settlement payment offer in 2013 ), with continuing to NOT report that the account been satisfied ( in 2013 ), and by constantly reselling it to collections agencies. I do have my proof that this debt was paid and settled via a letter from the law firm that originally handled this matter. The creditor is XXXX XXXX issurer of the ASPIRE credit card. Further information can and will be provide upon your request.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/2016 Consumer Financial Protection Bureau Reference Complaint Transunion, XXXX Dear Representative : On XX/XX/2016 I sent a certified letter via U.S. Postal Service, to Transunion, XXXX regarding a debt which was claimed I owed to a company named XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XX/XX/2016 via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX TN XXXX was undeliverable, which I may known to the three credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XX/XX/2016 I received a response from the three credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, XXXX
Consumer complaint received 2016-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RGS Financial, Inc. (VA)

Just learned that XXXX XXXX has once again placed a debt that was removed from my credit for aging this account. I was not notified, verbally or in writing about this debt and it appears to come after filing a complaint with your company and the debt was removed from other reporting agencies. 

Spoke to XXXX XXXX and was told XXXX XXXX account is now with them and they are the debt collector. This debt has been disputed and disputed and removed at lease twice. When I paid portions of the bill and the company discontinued the process and then sent to collections. It has been removed at least 2 times and they continue to age this debt.
Consumer complaint received 2016-07-06
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

About five years ago I scheduled a dental appointment for a simple cleaning. The Dentist that provided the service for me requested that I take part in another procedure, I initially said no stating that I would n't have the funds to pay for it. He then went on to tell me that he does this all the time and submits it to the insurance company and they 'll pay for it. Being young and nieve at the time I believed this and asked him to double check and I would come back to start the process. He went on to tell me we should begin now and for me not to worry about it that the insurance would cover it. Long story short the insurance did not cover the procedure and I was stuck with an outrageous bill for over {$4000.00} dollars I was very upset when he told me he was sorry and their was nothing he can do. A couple of years go by and I get a call from an agency representing his company asking for payment I refused and denied the bill. After five years of this being on my credit report I come to find that the agency flags this account once again as a collection starting the aging process all over again. I do n't believe this is right and I do believe that this company needs to be confronted and this collection removed from my report.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES (CO)

Provident Funding services my mortgage. I made my monthly payment ( electronically ). And then signed up for a monthly withdrawl service. They immediately took a XXXX ( unauthorized ) payment out of my checking acct. They acknowledge the XXXX payments were made - this is not in dispute. They have had XXXX payments for over a week. To get my money back, their procedure is as follows : 1 ) I provide them with " screen shots '' of my bank account showing that the XXXX payments have been taken out. 
2 ) They mail me a check. 
This is all simply ridiculous red tape to ensure they hold on to my money. It is unsafe, unfair and egregious. The first step is wholly unnecessary - they have the money, they can see that payment has posted. It is also unsafe - they want me to send sensitive banking information such as my account # and balance in unsecure ways. And then they want to send me a check ... when they clearly have access to my account electronically. Or I can just wait, which conveniently means they get a free loan from me for a month. I have spoken with several people, including managers, in their customer service area. They are unwilling to take any steps to address the issue due to " their policy ''.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (FL)

I emailed my Walmart credit card bank " sychrony bank '' requesting my due date be moved back from XXXX of month to XXXX of month. I get a reply that they could not do this and I would need to call them. I Did, could not connect and did not ring. My request to them was due to me being retired military my payday is XXXX of month however if XXXX is on Sat or a Fri holiday pay does n't post till XXXX so I set up my bill withdrawal dates for the XXXX. However this month the XXXX fell on a Sunday and of course the XXXX was a holiday so my bank did not post payment until the XXXX which is my due date for the credit card in question. For some reason banks take two to three days to do a electronic transaction? I 'm not sure why but assume it is " profit '' driven. Anyway, Sure as rain I get a {$35.00} late fee charged to my account because they did not receive my banks posting on the XXXX until the XXXX. It is amazing to me how fast the can do a late fee transaction but takes two to three days to send numbers back and forth? Can I be charged a late fee when my bank posts the payment same day as the due date? If they can not resolve issues via internet/online e accounts and their " XXXX '' phone number is n't working what are you suppose to do? I think the reason I am having difficulty with this bank is purely " GREED '' driven.
Consumer complaint received 2016-12-07
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

About 3 weeks ago i posted an art piece i painted on the app offer up. I was asking {$350.00}. I received a message from a buyer saying they wanted to buy the item. We then started emailing back and forth. Via XXXX he sent me a check for the amount of {$1500.00}. Clearly i though it was a mistake but no, the buyer instructed me to deduct XXXX for my cost + XXXX for running around for this transaction XXXX for holding the item. i then went to my bank to deposit the check via drive through bank teller. {$300.00} was available right away so i waited for the following day for the full amount of the check to post. When the next day came i seen that i had the full amount of the check available in my account, i believed that meant the check had cleared ... this is where i be leave I 'm not fully responsible for my bank to charge me. The buyer instructed me to send via XXXX a money transfer to the mover who was to pick up the item. So i went to XXXX and did so using my debit card i made a transfer of {$1000.00} ... i thought this guy must be way out of state. I do have receipts and all documentation of this transaction. So i thought all was well, i waited for the movers to come for the item but they never did.., the buyer then contacted me saying the movers wanted more money to pick up the item because of other pickups they had already done for him so he said he will send me another check and to do the same thing. I then became suspicious ... the following morning i seen i had a negative balance on my bank account. Of over XXXX dollars ... this is when my walls caved in ... i could n't believe it ... the bank told me it was a fraudulent check ... right away i went to my local bank to explain the situation but they said it was my fault and I 'm responsible for that charge ... there was nothing they can do ... i do n't have XXXX dollars lying around ... ... i do n't understand how i was able to make a XXXX dollar transfer using my debit card if the bank had not yet cleared the check ... or why would the full amount of the check show posted on my available balance if it really was n't ... of course at this point the buyer stopped responding to me ... but he still had the audacity to send me XXXX more checks ... i feel the bank is at least XXXX percent at fault ... The only reason why i made the transfer was because i saw the full amount of the check available the day after i deposited ... to me that meant the check was cleared and that 's why i was able to make the money transfer. So now my bank is charging me the full amount ... looking back i wish i would have not given any type of trust to this buyer, i was just so happy i had sold my first art piece. I want to get this resolve and i am working with my bank on a payment plan to resolve this issue. I still think it 's unfair and would like the bank to take some kind of consideration that i was a victim of a mess up scam and not treat me like if I 'm a criminal ...