davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Specialized Loan Services acquired my loan from XXXX XXXX XXXX XXXX. 
XX/XX/XXXX I received a letter informing me that an escrow account has been established and a hazard insurance policy provided. I called SLS and gave them details of my existing hazard insurance policy and asked XXXX XXXX to send proof of insurance. SLS confirmed receipt of hazard insurance documents, cancelled the escrow account and issued a statement showing a credit for all escrow charges. However, when I reviewed my bank statement XX/XX/XXXX, I observed payments to SLS exceeded normal amounts that are automatic each month. After several calls to SLS, I was eventually told " a payment for hazard insurance was made to XXXX XXXX '' and the escrow account has been reestablished. When asked who requested or authorized the payment to XXXX XXXX, I was always referred to someone else. Attempts to reach XXXX XXXX, the account representative for XXXX XXXX have been without success. SLS continues to request monthly ACH payments from my bank account that include amounts for escrow. XXXX of SLS executive office was contacted and she insisted that the escrow account can not be discontinued although I explained and offered proof that I had already paid XXXX for hazard insurance and was never delinquent or tardy with payments of any sort. Telling her I will seek legal advice on the matter did not change anything. In fact she said I can go right ahead. My wife who was never involved with this issue received an email from XXXX XXXX saying a refund check was issued for hazard insurance. However, that check was never received.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

We wish to pay off our mortgage and contacted Bank Of America to get principal, interest and any fees that would be required. They gave these amounts verbally and offered to mail this free or fax for {$30.00}. We preferred to have a receipt showing the itemized amounts we were going to pay and went directly to the bank. The bank refused to provide an itemized receipt. They would only provide a receipt showing the TOTAL amount we paid them and the account number. We asked if we had the banks letter showing these amounts if they would use it showing what we had paid and they refused. They said ONLY the grocery store receipt was all we would get.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

After having several issues with this company paying the wrong insurance company for homeowners insurance, and then making errors on my escrow analysis and trying to overcharge, now they are telling me that I can not close the escrow account and pay my taxes and insurance myself because this loan is on a single family residence that I rent out and do not occupy in the state of California, although according to the criteria they state on paper for closing an escrow account I have fully met.
Consumer complaint received 2015-05-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota motor credit is reporting XXXX $ owed on a charge off account. This account was included in my bankrutcy. I surrendered the vehicle to Toyota Motor credit. I have asked for specifi documentation as to how they came to the amount being reported of XXXX $ -If the car was sold I would like a break down of what the car sold for and how Toyota XXXX to this large amount being incorrectly reported on all XXXX of my credit reports. I do want validation of debt. I do want validation of amount being reported and a break down of how they came to this amount as well as written documentation of what they received for the car once it sold.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (MI)

On XXXX I received an alerts, that were 2 inquiries on my credit report. I tried reaching out to both companies explaining I did not authorize anyone to run my personal credit. One was from Ally Financial ( which I am currently in a lease with ). I reached out to Ally, the first representative told me there were no new inquiries. I told her there was indeed an inquiry showing up on my credit report. I asked to switch to another dept, which happened to be there fraud department, there I was told I was in the wrong department, and my concern was not fraud. After being switched a few more times, I reached a final department that told me they would send dispute forms and the process could take up to 45 days. The second Company was the XXXX XXXXXXXX XXXX XXXXXXXX. I reached out to the number provided in my alert, I explained there was an unauthorized inquiry I was transferred to their Finance Dept, there was no answer. XXXX my previous sales person from XX/XX/year> called and said she would look into it. I have not received any further communication.
Consumer complaint received 2024-10-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUTOMOTIVE CREDIT CORPORATION (ND)

The debt was charged off as a profit loss write off by automotive credit corporation in XX/XX/scrub>XXXX XXXX  the company never sent me the 1099C and was still reporting late payments in XXXX and XXXX.
Consumer complaint received 2015-05-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NC)

Ocwen, during the mortgage modification process ocwen has repeatedly asked for the same details over and over again. It appears they have no ability to secure and understand all the documents I have submitted several times. Each time they call me with the same question they then reschedule a follow up call several weeks later. The matter at hand is dire and the incompetence of Ocwen is preventing the modification process from moving forward at a reasonable pace to allow me an opportunity to save this property that is my home. I feel they are intentionally slow walking this so I am forced into foreclosure because no one can be this incompetent to as XXXX time the same exact question thus my only conclusion is they are dealing with me in a fraudulent manner.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (OH)

We have been scheduling our mortgage payment through our bank ( XXXX XXXX for scheduled payment prior to the due date each month. For XXXX out of the last XXXX months M & T has failed to cash our check in a timely manner and has blamed us for the late payment. They have charged us late fees and refused to remove them XXXX even when we have offered to take a picture of our XXXX account information showing the payment was debited from our account in timely manner ). We believe they have unethical practices and are just trying to cash payments late or say they " lost '' payments in an effort to make more money and collect late fees. They have even gone so for as to have there " mortgage assistance and debt collection '' department call me at work. This is beyond unconscionable. I have never been late with a payment and have never had trouble with making online bill payments with any other payee.
Consumer complaint received 2015-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credit Protection Association, L.P. (FL)

XXXX sold off my collection to a third party, that third party gave out my information to someone else who picked up the phone. They admitted it, but then claimed that I was lying about it not being me.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I filed several times before complaints against " XXXX '', " XXXX '', " XXXX '', " ChexSystems '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " XXXX '' decided to take a Revenge against me by Re-age on XXXX a XXXX deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " ChexSystems '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XXXX, b ) XXXX account # XXXX i closed it on XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???
Consumer complaint received 2016-02-08
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC. (LA)

I received a voicemail from XXXX providing an ID number of XXXX and requesting I contact them at XXXX. I contacted them and spoke to an individual named XXXX ( no last name provided ). He informed me that he was with Premiere Recovery Group, and that they were representing a payday loan company called XXXX XXXX XXXX. He stated that I owed this company {$750.00}. I asked him for the contact information for XXXX XXXX XXXX, and he did not provide it. I then asked him to provide Premiere Recovery Group 's address, and he asked me if I was willingly going to pay the debt. I informed him that I would not comment on the debt, and that all I was looking for was information at this point. He hung up on me. I called back, someone picked up the phone and hung up immediately. I called back again, and XXXX to a XXXX XXXX. I asked her for their mailing information, and she hung up on me. I called back and spoke with XXXX XXXX. I asked him for the mailing information, and he provided their mailing address ( XXXX. XXXX XXXX, XXXX, NY XXXX ). I thanked him, and ended the call. I called back again, and spoke with someone named XXXX. I asked her for a validation of the debt. She transferred me to someone else who did not identify himself. I requested they mail me a validation of the debt, he said that previous letters had been sent out by other debt collection firms. I requested clarification of his statement by asking him if that meant Premiere Recover Group had not sent a letter. He then said that they have sent information out to a previous address of mine. I informed him of my new address, and requested a debt validation letter be sent. He stated that one would be sent out today.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services (FL)

I will never stop refilling complaint to the MERCEDES-BENZ FINANCIAL SERVICES for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/year>, XX/XX/year>, XXXX XXXX and XX/XX/year>, alongside with this complaint is the identity theft report number XXXX allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Bank issued me a XXXX for 2014 in the amount {$5200.00} for credit card account number XXXX. My Federal Tax Return Form XXXX for 2014 included same amount. Capital One has yet to advise the credit reporting repositories ( XXXX, XXXX and XXXX ) that said account should be listed as " {$0.00} BALANCE, PAID IN FULL ''.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I tried to log in to my account because I wanted to put a security freeze on my account on XX/XX/XXXX. I was unable to log in and prompted to call the XXXX. When I called Equifax I was told to send in my drivers license to update my address because I spoke with someone before on the phone about disputing XXXX  XXXX XXXX  as a duplicate account. He verified my address XXXX XXXX XXXX XXXX XXXX Mi XXXX  XXXX. I told him XXXX  XXXX should not be on my report as part of my address. Now Im locked out of account and being asked to send in my DL and SS number to Equifax. Someone already stole my identity Im not sending that information through the mail. That XXXX  XXXX been on my report since 2015 when I bought my house new construction. XXXX  XXXX or lXXXXt XXXX was only during construction of my house and not part of my address. I closed in 2015 why is this a problem removing from my report. This was never a part of my address. I never reported this XXXX  XXXX or XXXX  XXXX to equifax so why is it on there. I need this removed asap. XXXX XXXX pops up when you put in my zip code. But my DL is XXXX Mi XXXX. Its not my fault that it come up XXXX XXXX mi when my zip code is put in. This has been a problem for years but I still get my mail packages etc with XXXX mi or XXXX XXXX mi.
Consumer complaint received 2015-05-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (GA)

During the transfer of my loan from my loan originator, XXXX XXXX XXXX to Pacific Union, there was a miscommunication that has resulted in an unnecessary increase in my monthly mortgage payment. When I closed in XXXX of XXXX with XXXX, my mortgage payment was {$910.00} a month. While the loan was being transferred, Pacific Union Financial instructed my loan originator, XXXX XXXX XXXX, to hold half of my escrow from when it was set up at the closing plus the first mortgage payment I made in XXXX XXXX to cover the 1st half of property taxes due in XXXX XXXX and the first mortgage insurance payment to HUD. Instead of following their own instructions, Pacific Union Financial decided to make the 1st half of tax payments due in XXXX XXXX and this caused my escrow balance to go to a negative balance. Also, my homeowners insurance quote I received at closing ( {$480.00} ) and the final amount for the policy ( {$710.00} ) changed several months later. When my mortgage servicer performed their escrow analysis in XXXX XXXX, they miscalculated the amount of homeowner 's insurance and the shortage in my escrow account due to Pacific Union Financial paying the property taxes earlier than they had agreed. I have attempted to get this resolved internally with the escrow department but I do not seem to be getting anywhere for someone to properly research the issue. This has caused my payment to rise to {$990.00} a month to make up the difference in my escrow account. I fear that once my local county tax commissioner 's office sends out the tax bill for this year ( XXXX ), there will be another issue because my tax bill will be reduced from the previous year. If you need to reach me for further assistance please contact me at XXXX
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

Experian is reporting a Charge-off on account from a company called XXXX XXXX Acct # XXXX which is not mine and it has not been validated by the credit company despite my many attempts. Experian just keeps on verifying the account as mine and sometimes ignoring my request. Both companies Experian and XXXX XXXX are violating my rights under The FCRA and The Fair Debt Collection Practices Act that states that the claim be disputed and validated. 

I have filed a complaint with the XXXX but Experian just keeps on verifying the account without giving me proof. XXXX XXXX records do not agree they say the account was opened XX/XX/XXXX my credit report says XX/XX/XXXX. The fact is I never opened an account with them and I told Experian about the discrepancies but they ignored it. XXXX XXXX when asked through the XXXX to provide a signed agreement just said that the account was too old for them to have such document. 

I sent a letter to my Attorney General and their office replied that I should contact you and filed a complaint and that if you do n't do anything to quickly hire a consumer lawyer and file a lawsuit on Small Claims and another one on Federal court for both companies violation of both FCRA and FDCPA. 

I am a concern consumer, who like millions of Americans only concern is that Experian accurately reports our data and that respect our rights under The FCRA. XXXX and XXXX both deleted the account when asked for investigation it is Experian who often sides with the creditor without any prove or providing us the consumer with any findings. Is Experian being paid by creditors to report erroneous information on our reports? Does n't Experian has a moral job to report accurate information. It surely does not feel that way, many states and consumers have file lawsuits against this bureau. Please advocate on our behalf so that justice is executed so that we do not pay for Experian 's loyalty to creditors who falsely provide information to damage our credit worthiness.
Consumer complaint received 2015-05-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

All joint accounts with EX-spouse were requested closed at Bank of America. We had to request and sign together at local branch in NH. The joint checking, savings and home equity account were closed. However, BoA says they left open a overdraft protection account associated with the joint checking account that was closed. I did not have an existing overdraft account to my knowledge. I had XXXX in XX/XX/XXXX but it was closed several year later by BoA for late payments. 

Two years later ex-spouse began drawing on overdraft protection account by accessing funds through ATM. Ex-Spouse did not make payments and BoA began collection activities from me. Local branch managers with BoA agreed with me that I was not responsible, but home office would not. I requested proof, my signature, anything showing me as joint owner on this account, and have received nothing. 

I have not had any bank account or credit card from BoA since XX/XX/XXXX
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (CA)

I filed several times before complaints against " XXXX '', " XXXX '', " Equifax '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " Equifax '' decided to take a Revenge against me by Re-age on XX/XX/XXXX a 2006 deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XX/XX/XXXX, b ) XXXX account # XXXX i closed it on XX/XX/XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???
Consumer complaint received 2015-05-21
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

I hold a lease with Chrysler Capital ( Santander Consumer USA ), which began XX/XX/XXXX. At the time, I opted to have auto withdrawal payments from my XXXX checking account, as a matter of convenience and guaranteeing timely payments. XX/XX/XXXX, I received an alert from my credit monitoring agency that I had a negative alert from Chrysler Capital, stating that I was 30 days past due on a payment. After doing my due diligence, I confirmed nothing had changed with my XXXX account, sufficient funds were readily available, and Chrysler Capital never attempted to withdrawal the XX/XX/XXXX payment of {$420.00} from my account. 
After contacting Chrysler Capital numerous times and being transferred to multiple departments, I received the worst customer service and treatment. I was told it was not their problem, and while they could confirm I did not cancel my auto withdrawal they said " its possible just by logging into your online Chrysler account you cancelled it '' ( I logged in as soon as I saw the negative judgement on my credit report, and my Chrysler account itself said and still says im set up on auto withdrawal ). Chrysler said they will not take back the negative judgement on my credit report ( my credit score and report have been without any flaws or judgements my entire life ). Now My credit score has this mark, plus has dropped XXXX points as a result. I confirmed through my original lease, CC 's Ts and Cs and their own website that the only way to cancel your auto withdrawal is to send a written confirmation to them, which I never did. I did not want the auto withdrawal to stop ... this was an error on their end that they are penalizing me for. 

I need help, and cant get it from them ...
Consumer complaint received 2015-05-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 1ST ALLIANCE LENDING, LLC (FL)

I refinanced with the same mortgage company. On the first loan they had listed in my escrow account XXXX XXXX and XXXX. I have a copy of the escrow from this loan. 
When they refinanced, they dropped the windstorm insurance, why? I have no idea. 
Now they had to pay for the windstorm and are passing the blame for this error on my Insurance agent stating that it was there responsibility to inform 1st Alliance Lending. The insurance agent is stating that it the mortgage companies ' responsibility to make sure that XXXX XXXX is necessary especially if it was showing in the escrow on the first loan.