davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
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: Experian Information Solutions Inc. (GA)

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 2016-06-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company (PA)

In XX/XX/XXXX My husband and I separated. I kept the house with the XXXX kids and was working part time ( could n't afford house payments at that time ) but got a full time position with the same company fairly quickly. I asked for a loan modification back in XX/XX/XXXX. After a year, could not come to an agreement. XXXX then sold the loan to Statebridge. In XXXX XXXX, I went to a housing counselor to help with a loan modification. Statebridge kept losing my paperwork over and over again. Every 6 months I had been submitting paperwork, only for it to be lost. Fast forward to XXXX XXXX, XXXX. We had finally come to an agreement of a loan modification via phone conference in the Court of Common Pleas Of XXXX County Pa between Myself, XXXX ( My counselor ), mediator, investor and a member of XXXX XXXX XXXX XXXX XXXX ( for investor ) and I accepted those terms on XXXX XXXX XXXX with an acceptance letter that was faxed to Statebridge, XXXX and XXXX & XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX we had modification meetings and was told at each meeting that the loan modification was still being drawn up, no issues presented at any of these meetings, I was told congratulations. On XXXX XXXX XXXX, I received the loan modification in the mail and the monthly payments was a different amount of what we agreed on. The agreed amount was {$1400.00} per month, it jumped to {$1600.00}. I had emailed Statebridge and asked them why it had gone up and that I could n't afford those payments. The response from Statebridge " Unfortunately the terms sent was what the investor on your loan approved. '' They wanted the payment made on XXXX XXXX XXXX, but I had to talk to my housing counselor about why the loan payment was different than what was agreed on and according to their lawyer on our XXXX XXXX meeting, they did n't want to accept any offers that I extended. They were done and told that there is nothing that I can do.
Consumer complaint received 2016-06-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (KY)

I settled an old credit card account. We agreed on a payoff amount on certain date. I have the letter stating the agreement. The amount was paid, taken from my checking account on the date agreed upon. 3 months later I am getting calls from other collection agencies trying to get the balance of this same account. I have called the collection agency that I worked with initially and they were supposed to send me letter stating this was paid in settlement agreement. They will not send the document and it is still showing on my credit report as balance owed
Consumer complaint received 2016-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (CA)

We have already submitted a complaint against PHH. It seemed to be worked out but after a letter, which I will attach, from PHH saying they are honoring our loan modification they have refused our XX/XX/XXXX payment which is the first payment after the 3 trial payments which were all made on time and cashed, the first trial payment was to XXXX due XXXX XXXX made on time and cashed by XXXX, XXXX XXXX XXXX 2016 and XXXX XXXX XXXX trial payments to PHH made on time and cashed by PHH on time. I am attaching proof of the trial payments. PHH sent back our XX/XX/XXXX payment and sent a letter of Defaut and Accelerate Forclosure Notice. I am attaching the letter refusing our XX/XX/XXXX payment. This is very distressing to say the least. I have called PHH XXXX XXXX Liason office of the President XXXX ext. XXXXand she stated there must have been a mistake and she would check into it. I have not had a response and have called back and left a message to call me. The check was refused by XXXX XXXX XXXX ext. XXXX.
Consumer complaint received 2016-07-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Williams, Rush & Associates, LLC (FL)

I have a collection account under my credit report who I do n't have any idea who the company his. I get harassment calls all the time and all days with treats. Telling me they going to take everything I owned and put me in jail. I get XXXX kids at home to feed and this calls scare me a little bit. I want this to stop especially from someone I do n't know.
Consumer complaint received 2016-09-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (NY)

It is with great frustration, pain and desperation that I request a work out plan that will be affordable. I am desperate for I have received notice that my home has a foreclosure sale day of XX/XX/XXXX. 
I must begin to tell you that my home was purchased in XX/XX/XXXX. Never any issues until about XX/XX/XXXX-XX/XX/XXXX when my partner XXXX XXXX XXXX began with health issues. We applied for a loan modification then and were approved for a trial period. Shortly after XXXX passed on. I was devastated. I requested payment arrangement to no success. 
In XX/XX/XXXX BSI servicing company took over my loan. The payments were unaffordable. 
Please understand this is my primary residence, I want to keep my home. This situation was very stressful and distorted at the time. I could not believe what happened to XXXX. I lost him for ever. 
I have now have organized matters and I am able to pay for my home. There are lots of memories here in my home. I have submitted all my financial documents including death certificate for XXXX. This is a hard fall please extent a hand and help me.
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I have been working with a consumer financial educational consulting service to improve my credit scores at XXXX major credit reporting bureaus, Equifax, XXXX, and XXXX. In general I have had good service. However, in comparing information from all XXXX bureaus, I noticed a conspicuous absence of XXXX successful, perfect paid, accounts from the Equifax report, that were reported on the other XXXX bureaus. In Equifax 's notes at the end of my report, they say that the number of derogatory account exceeds my successful accounts, AND THIS IS ONE ITEM THAT EFFECTS MY CREDIT SCORE. 
So, moving forward I telephoned each of the XXXX past creditors to inquire if they report to all the credit bureaus. XXXX of these was XXXX XXXX XXXX, and the other was XXXX XXXX. Both lenders said that they absolutely report to the XXXX major bureaus, the fourth being XXXX, and gave me their very strict reporting on the timing of submissions. 
I wrote Equifax on XXXX XXXX and again on XXXX XXXX, and have been ignored on this issue. I know they received my correspondence because I sent the complaint along with other requests for outside verification, which were affirmatively responded to. I quote the letter of XX/XX/XXXX : " EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX ACCOUNT & XXXX UNRESOLVED ISSUE -- -- -- -- - -- -- -- -- PREVIOUSLY UNRESOLVED ISSUE I have previously written you that someone in your bureau has, inadvertently or intentionally, acted to defraud my credit, by deleting histories of XXXX successfully paid accounts. I show them below and verified : I have XXXX successfully paid off automobile loans that should remain on my credit file history for 10 years after the last payment. 
XXXX is with XXXX XXXX XXXX XXXX with never a late payment from XX/XX/XXXX - XX/XX/XXXX. 
The other is with XXXX XXXX XXXX with no late payments from XX/XX/XXXX - XX/XX/XXXX. 
When I noticed the conspicuous absence of your bureau 's reports of these, when viewing a merged credit report, I telephoned both of the above lenders to verify my accounts, and to verify that both agencies report to XXXX MAJOR CREDIT BUREAUS, and of course, yours is one of these. 
I want these positive accounts restored to my credit history as soon as possible. 
Your prompt response is required. 
Sincerely, ''
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DL Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX, XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (FL)

I filed a dispute on a charge on my credit card that the merchant charged me for on a service that was not rendered. Chase failed to make contact with the merchant or get proof that the services were rendered even though I provided proof it was n't. Rep on the phone stated he could not get anyone on the phone with the merchant so they closed the dispute in the merchants favor and refused to look into it further.
Consumer complaint received 2016-12-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am having a very difficult time with Bank of America. I am trying to avoid a foreclosure. The problem that I 'm having is I can not communicate with anyone from BofA to get any status or information on my modification review. When I call in and type in my loan number it goes to voicemail # XXXX. It 's does not seemed to be an assigned voicemail. When I leave a voicemail nobody calls back. I 've called several different departments and they say only the assigned rep can give me an update. I do n't know if there is an actual assigned rep. I 'm very concerned. It seems my file is lost in the dysfunctional BofA system.
Consumer complaint received 2016-09-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC (AL)

I paid this loan on XX/XX/XXXX. The company updated my reports as paid an it was reflecting correctly. I got a notification on several of my credit reports that it was re added to my credit report as a XXXX account. This dropped my score XXXX points which is unacceptable. I called the store to see if the could fix it before I did an compliant and she could not which is ridiculous. This is against the law you annoy re add at debt after it has been paid.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I tried to het my free credit report and thry went all the eay to asking securty questions. I answered them corectly i dont have any line of creit with any stores but apprently someone does in my name. Im afraid im a victim of identy theft. I have a havker on my email and they have done thid. Were are thr packages going not here please help
Consumer complaint received 2017-03-21
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Shellpoint Partners, LLC (VA)

I owned a house that was in foreclosure on 2012, now a Shellpoint Mortgage Servicing is sending me papers for loan modification, homeowners insurance and tax documents on the house that another bank owns. I send them a copy of the Certificate of Sale for the property and I asked them why they contact me and I still no answers. property address XXXX XXXX XXXX XXXX FL XXXX.
Consumer complaint received 2016-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Windham Professionals, Inc. (PA)

I am being harassed by Windham Professionals Inc ( XXXX XXXX XXXX XXXX NH XXXX ; XXXX ). I was contacted XX/XX/XXXX at my work number about an " Obama Student Default Program '', which I have learned there is no such thing and was given false and deceived by the caller from Windham. The caller tried to force me to sign an agreement with out me being able to review or get legal advice. I asked repeatedly to send me the documentation via US Post so that I may review with my attorney and the caller agreed but the documents were never sent. I received harassing telephone calls from Windham at my work telephone several times a day even after I have told them not to call my work number. I received a threatening voice mail from a man stating that " I needed to call him back before he made a decision for me ''. 

I did review proof of the debt from Windham. The documents sent show a promissory note of {$9500.00}. They claim I owe over $ XXXX but there has been no proof provided on the differences between balances. I am disputing the the balance of the stated debt owed. 

Windham is now claiming they are going to garnish my wages by XX/XX/2016. Notice was dated XX/XX/2016 and received XX/XX/2016 I want the garnishment processed stops since the debt owed is in dispute. 

I want Windham Professionals to cease and desist all activities with my student loan.
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

We started receiving letters from our mortgage company ( DITECH ) stating that they set up a escrow account to collect our property taxes. We called them expressing that we 've been making the property taxes payments for the past 12 years with no problems. In the mean time all our mortgage payments are not being fully applied to our account because " they are not complete '' according to DITECH and we are being charged excessive late fees because of it, even though we are making our payments on time. DITECH stated that the reason that they set up the escrow account is because they paid the property taxes for the current year. I replied that I also paid the property taxes for the current year and I 've been doing it on my own for the past 12 years without any problem. 

Representatives at DITECH told me to submit a letter requesting for the escrow to be removed from my account which I submitted along with bank statements, receipts\copies of the checks as proof of payment, I also included a letter from the XXXX XXXX county stating that we had no properties taxes due. After submitting the proper documentation we were told that they ca n't remove the escrow account because we are behind in our escrow payments. I keep telling all the reps at DITECH that we already paid the property taxes and that we do not wish for them to collect the property taxes because we already have paid them. I talked to many of the reps and supervisors and they all are not helping us to resolved this matter.
Consumer complaint received 2016-12-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (AK)

ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, AK XXXX
Consumer complaint received 2016-12-06
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: TRANSWORLD SYSTEMS INC (GA)

I signed a check to XXXX when married to my ex that was military.. When we separated he changed bank accounts which we caused the check to bounce and I am being held responsible. They told me because it was federal that there was a lean against my as number and that they could take the money at any time.. I tried to set up payments and at first there would only accept XXXX dollars a month.. I only get XXXX a month ssi so that was hard for me I tried to get them to lower it to XXXX or XXXX but they said they could n't accept less then XXXX which barely covered finance charges.. I did n't think they could charge this on a check. So I do n't know what to do.
Consumer complaint received 2016-07-21
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 2016-07-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: ENCORE CAPITAL GROUP INC. (WA)

I have been homeless since XX/XX/2016. I have not been able to make payments on these debts due to hardship. I had XXXX and therapy and eventually was not able to do my job and lost my job which caused me to loose my apartment and so forth. I want to be able to clear my debt but now I am currently in a no job and homeless situation. If I could get some feedback on how I can clear these past debts I would greatly appreciate any advice. 
Thank you, XXXX XXXX
Consumer complaint received 2016-08-04
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Miller and Steeno, P.C. (IL)

I have been sued with no paper service, found guilty by default ( because I did not know about a court appearance ) and have had and continue to have XXXX dollars garnished from my wages for debt that I am not sure is even mine. The amount garnished ( over {$400.00} each XXXX week pay period ) barely leaves me money for bills and groceries. It always seems to Miller and Steenos that are collecting these. I do n't have a clue about any of this until I get a notice from HR that another garnishment is in effect. Once they get a judgement they seem to continually find more, real or otherwise. Any help will be greatly appreciated.
Consumer complaint received 2016-06-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

In my long fight ASC ( Wells Fargo ), the most recent battle is with my Property Insurance. My Agent submitted to mortgage lender to pay insurance as they been paying in the past. Instead, they now refuse to pay it claiming my loan does not have escrow. They have paid in the past including the property taxes for the past years. Now they have issued a for-placement insurance and ( of course ) charged to my escrow.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

Requested fact-finding for fraudulent account. Received attached notice stating that they do n't have additional details and will get back to me in 60 days. This is a direct violation of the law. If a credit reporting agency is unable to verify how they are reporting data within 30 days, it must be removed. Because I am homeless and without a car due to the damage this has caused my credit, I 'm requesting rent at {$900.00} each month XXXX and Equifax have kept this on my report which is {$6300.00} per each agency. XXXX followed the law and removed it. Thank you, XXXX! My score went up XXXX points where it should 've been. Im also requesting loss of income which is {$3000.00} per month, as I lost my job due to no transportation. That was in XXXX. That totals {$12000.00} per agency. 

The only way changes will be made is if XXXX and Equifax are held accountable and are forced to compensate their victims! They are breaking the law and it has serious consequences. I 'm homeless during the biggest heatwave in XXXX XXXX on you!!!
Consumer complaint received 2016-07-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (TX)

I get about XXXX phone calls a day from XXXX XXXX XXXX XXXX a XXXX search indocates it is likely a Wells Fargo Collections attempt. ONe voicemail mentioned {$10000.00} balance and some options to pay it off. I do not bank with Wells Fargo and I do n't anybody who does. All of my bills are on time.