davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (FL)

I had an Auto Loan through Sandtander Consumer USA, they stopped wanting to workout arrangement for payments during my time of financial difficulty. They repossessed my vehicle and sold it at a auction. I sent them on debt settlement offer on XXXX XXXX, 2016, to settle this debt and get it cleared to a {$0.00} balance. It is now XXXX XXXX, 2016, and I have not received a response of acceptance or counter to my offer.
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

I have requested on XXXX occasions a " life of loan payment history " from Ocwen loan servicing on XXXX loans they service. They took over servicing from bankrupt GMAC/XXXX bank in XXXX. These XXXX loans are adjustable rate mortgages and I question the principle balances reflected on my statements. These loans originated in XXXX and XXXX. To date they are unable or unwilling to supply me with the " life of loan payment history '' every borrower is entitled to upon request. Please help resolve this problem with Ocwen.
Consumer complaint received 2016-08-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I keep receiving harassing calls from Wakefield & Associates, whom I assume is a debt collector and whom I have no affiliation with or any of their clients. I have no outstanding bills as I pay all my debts in full each month from auto drafts from my checking account with records of all transactions. I do n't know how they have my phone number but would assume it is from past identity theft. Whatever information Wakefield may have as indication of some unknown debt is sure to be invalid as I am sure they do not have any notarized documents as I personally never had any business with them or any of their clients. I previously filed an identity theft report with the FTC, reference number XXXX.
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

Reporting wrong amount to credit bureaus and refusing to accept payment of proper amount. 

1. XXXX final account statement dated XXXX XXXX, 2015 shows a balance of {$600.00}. See attached. 
2. This final statement has a charge of {$85.00} for final utilities. I had already paid the final utilities. Proof of this is attached. 
3. This final statement has a charge of {$270.00} to " re-glaze '' a tub that was in the same condition upon move-in. It was an older apartment with an older tub that had slight discoloration and wear and tear upon move-in. This seemed normal given the age, so I did not see any need to mark this on my move-in checklist. 

This results in a balance of {$240.00}. I have tried since XXXX 2015 to resolve this, but " XXXX '' and " Fair Collections and Outsourcing '' will not correct the above errors and continue to report inaccurate amounts to the credit bureaus.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.
Consumer complaint received 2016-08-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

After being unemployed for the past 2 years, I need to get my credit to good standing. I called Santander to remove their credit entry from my credit report. The rep told me that they ca n't. The balance on the account is {$0.00} and there is nothing I can do to bring the account current. There is no reason for this entry to be on my report. I feel that this is harrassment and an abuse of company power. Since there is nothing more I can do with this account, it should be deleted from my report. 
What would you like the business to do to settle your complaint? 
Delete the negative entry from my credit report.
Consumer complaint received 2016-08-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (MD)

My vehicle was repossessed on XXXX/XXXX/2016 for paying a partial payment of {$200.00} on my car note. I intended to pay the remainder of the {$380.00} note which is {$180.00} on XXXX but my vehicle was taken for being 15 days past due. To my knowledge a repossession notice is sent prior to repossessing a vehicle. I inquired on the date the letter was sent and was advised it was sent on XXXX with a cure date of XXXX. I also paid XXXX 's payment late, which was on XXXX the day I received the intent notice. So I am no longer bothered by the vehicle being repossessed for being 2 weeks late. Now I am being called 3 times a day from Westlake Financial to recover the vehicle. They tacked on fees and are willing to put the fees on the end of the loan if I pay the {$180.00} for XXXX and also pay XXXX payment. They are also willing to add XXXX payment to the end of the loan. The representative would not answer as to why was n't I given assistance to avoid the repossession versus being called daily to recover the vehicle. So I looked at blogs dedicated to Westlake Financials practices and this in a way for them to make extra money. They repossess cars for being less than 30 days past due then offer assistance to recover the vehicle. The assistance extends the loan and generates more interest. I have repeatedly asked Westlake to discontinue contact as they have the property but they refuse. They are already charging 27 % interest and late fees I do not understand the purpose of taking a vehicle then charging to get it back, and harassing you if you do n't get it back. I have been repeatedly threatened by representatives of Westlake Financial on the outcome of not recovering the vehicle as to make me recover the vehicle so I can always worry every night that when I wake up will my car be there. Please assist with the constant phone harassment and the outcome of repossessing a vehicle without notice.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Reference XXXX Over the past few months there was an issue ( and reported to you and file was apparently closed ) regarding XXXX. There was information that was not correct and was finally determined it was due to an address change that XXXX did not make letting my account go past 30 days, first time in 30 years! XXXX notified me the issue had been resolved and they apparently notified the credit reporting agencies so they could correct the information that would allow my previous XXXX scores that were in the XXXX 's to be update. XXXX and XXXX both sent updates and both showing the XXXX  score corrected. Experian continues to show the old XXXX score ; I have notified Experian twice and have never gotten a response and they have a responsibility to do what the others did. Do not know what to do, this has been a very costly and intimidating experience over the past months and yet Experian continues to be the last to address the issue and get it corrected.
Consumer complaint received 2024-10-08
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. (AL)

The past disputes were sent for these 2 accounts over 60 days ago that were unverified and not accurate in reporting. This is a violation of the FCRA and I DEMAND THAT THEY BE BLOCKED AND DELETED FOR NOT MEETING FCRA REQUIREMENTS. NO VERIFIED PROOF WAS SENT TO ME TO PROVE THAT THESE ACCOUNTS ARE TRUE AND ACCURATE. DELETE AND BLOCK THEM FROM MY CONSUMER REPORT IMMEDIATELY OR FURTHER LEGA ACTION WILL BE TAKEN.
Consumer complaint received 2016-08-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

Whenever I put my money in my bank, it seems the money gets recorded as next day 's transactions ; It does not matter whether transaction is cash or check or mixed items. I keep getting filed overdrafted because of this. This should not be happening. I also get charged monthly fee every time because of this.
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Ditech Financial did not notify me of any change in my required mortgage payment, as required by my mortgage agreement. I sent timely payments in for XXXX & XXXX 2016 & these checks were cashed by Ditech. There was an adjustment in my adjustable mortgage ( {$16.00} increase per month ) which Ditech failed to notify me of at any time. Ditech reported these XXXX payments as " 30 days past due '', thereby ruining my XXXX score, and failed to correct their error when I requested that they do so. ( Ditech at no time ever sent me any coupon books or monthly mortgage statements, or invoices, despite my request for these ). 
Ditech also refused to refund an over payment I made to them relative to a payment which they deposited some time after my mortgage was paid off in full in XXXX 2016, and to return these funds which legally belong to me
Consumer complaint received 2016-08-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (ME)

On XXXX XXXX, 2016, I received mail from Cavalry Portfolio Services about an alleged debt owned. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/2016 ; received XXXX/XXXX/2016 ] a request to Cavalry Portfolio Services to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. 

Cavalry has contravened its 809 ( b ) statutory requirement to validate the debt.
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hello, On XXXX XXXX, I noticed an overdraft fee of {$35.00} on my account ending in XXXX. The male representative ( I did not get his name ) told me that the overdraft fees of {$35.00} were being reversed since the account had overdraft protection. He said they were going to be taken care of, and to be patient. No further action was taken. 
On XXXX XXXX, I noticed another fee on the account, this time it was an extended overdraft fee of {$35.00}. This was due to the fact that the overdraft fee from XXXX XXXX was never reversed, even though the customer service representative stated it was to be done. 
On XXXX XXXX, I called and spoke with a customer service representative who would not reverse the charges, I escalated the call to a supervisor by the name of XXXX. After explaining my situation several times, XXXX repeated how overdraft protection works, and there was nothing she could do. I told XXXX that this was not a matter of how overdraft protection worked, but being accountable for the customer service representative. XXXX apologized, and stated the individual did not represent Bank of America. I inquired, " Are n't representatives of the company representing the company. '' I also asked if the call to be pulled several times. She evaded my questions, ignored me, and said there was nothing she could do. 
I then, asked to speak with someone higher than XXXX if she was n't able to do anything for me. XXXX told me she would get my number and have someone call me back. After a very long silence, a woman by the name of XXXX came on the phone and asked me, " What was going on? '' I explained my situation yet again. I had to say my story over again. XXXX said, there was nothing she could do. I asked if she could just reverse XXXX of the overdraft fees since I was given the wrong information. I had XXXX {$35.00} overdraft fees, totaling {$70.00}. She flat out said no. I asked if she could listen to the call recording, and call me back. I hung up.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (TX)

In 1998, opened a Citibank credit card in college. Ever since, they 've charged me a " Credit Shield '' on purchases, which did nothing to my knowledge. When I could n't pay, I was not made aware of any services this " Credit Shield '' provided. Tried multiple times to have service removed. Open several, other Citi cards, never a problem. But in the XXXX decades, it 's cost me thousands of dollars and I want it all back. What a ripoff!
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (CA)

I am disputing account number XXXX with IC Systems because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted IC Systems to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. The account is also being reported as having a credit limit when according to the Credit Reporting Resource Guide & Metro 2 standards, credit limits only pertain to charge cards or revolving credit. Not collection accounts.
Consumer complaint received 2016-08-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (FL)

XXXX XXXX XXXX has foreclosed our home illegally. My husband and I have been trying to get a mortgage modification for about 6 years. We have applied approximately 28 times for a mortgage modification with XXXX XXXX XXXX, and more recently with Selene Finance. My husband is XXXX, and I am in the process of applying for XXXX as well. Originally XXXX were servicing this loan. They got in trouble or something and XXXX XXXX XXXX began to service it. We applied, basically, every 90 days for a mortgage modification after I lost my job, due to a work related illness. They would tell us that we did not submit a document or we did not reply within the specified time frame. All of these reasons were untrue. This appears to be XXXX nefarious scheme to steal real estate property, and were subsequently fined for these illegal practices. About the time the Florida Attorney General was closing in on XXXX XXXX XXXX, they sold the mortgage to Selene Finance. We tried to apply for a mortgage modification again but the balance had increased by {$50000.00}. To a new total of {$200000.00}. In the meantime, we have experienced a sinkhole under the home and are currently in litigation with the insurance company. XXXX XXXX XXXX tried to file a motion to stop the foreclosure due to the sinkhole claim, but the circuit judge denied the motion. We filed bankruptcy to stop the sale. When the bankruptcy was discharged due to not being able to pay the filing fee, XXXX XXXX XXXX again initiated a foreclosure. XXXX XXXX XXXX foreclosed on the property illegally. Selene Finance has been the owner of the mortgage since XXXX, XXXX. XXXX XXXX XXXX stole the property through their robo foreclosure law firm XXXX XXXX, on XXXX XXXX, XXXX. There were other purchasers at the foreclosure sale, but the County Clerk did not give them a chance to bid. Instead they sold the property to Selene Finance in the back room for {$100.00}.
Consumer complaint received 2016-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (SC)

This debt agency keep calling my telephone number day and night harassing about this account. I stated to them that I was n't working and had lost my job in XXXX but it like they do n't care what I say and keep calling my telephone like I am going to do a magic trick to cough up some money.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Upon reviewing my emails I notice that XXXX sent me a email stating that a hard inquiry was initiated by Bank of America on XX/XX/year> I did not attempt to access a line of credit from Bank of America this hard inquiry was done fraudulently without my knowledge or consent I would like XXXX to remove it from my credit report immediately according to the FCRA any fraudulent and inaccurate information must be remove from ones credit report Ive also made a report to identitytheft.gov about this issue
Consumer complaint received 2016-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (FL)

This client began trying to modify her loan in XXXX when her lender was XXXX. She continued to reach an attainable modification until XXXX when then lender was XXXX. After not being able to attain a modification, she opted to list her home with me in XXXX of XXXX for a short sale. At this time the file was with XXXX. The file was then sold to XXXX ( XXXX investor ). Although we were able to eventually get an offer that was approved from XXXX they buyers failed to close. We then submitted another offer with XXXX and was processing when we received word our file was being transferred to Shell Point. Up until the transfer we were communicating with the new investor through our contact at XXXX. We even received a counter offer from the new investor ( shell point ) and then the file was officially transferred over. We then spent the next 3 months trying to get an approval on this same offer. The buyers could not hold out any longer and again the buyers walked. I sent the contract cancellation the same day I received the approval from Shell Point. I then relisted and resubmitted an offer to Shell Point, first for {$310000.00} then {$320000.00} as to match the previous approval amount. This was submitted on XXXX XXXX, XXXX. I was told if I could submit at the same amount as the last we could expedite the file to get a quicker approval. Since then I as well as the sellers attorney have been told that this file will be expedited. If I do not get an approval for the current offer by this Friday, the buyers, will again walk. No one can seem to get an answer from the investor for Shell Point as I am told they are not in house. How can I expedite this file? This client has been through four different servicers in just one year. The sale date for this home has been deferred twice. There is another sale date scheduled for XXXX XXXX.
Consumer complaint received 2016-08-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I am working on a short sale through HAFA short sale program. The loan servicer has a very inflated value for the subject home. The buyer paid for a full appraisal to dispute the short sale lenders value. The short sale lender is NOT taking the buyers appraisal into consideration due to the status of the comparable - some comps are bank owned or in some form of financial distress / since the subject is a short sale - I feel that these comparable homes are suitable.
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX ; Again, SPS is not flexible and does not have the capable of addressing my concerns beyond a packaged administrative response. 

Please intervene on my behalf a review my proposed settlement. 

In addition, it has recently come to my attention that SPS is challenged with privacu and mananging authorizations. 

I am requesting that SPS submit the history of authorization request and confirmations for servicing of my account.. 

Thanks XXXX XXXX
Consumer complaint received 2016-08-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Applied Resolutions Group (CA)

XXXX XXXX from Applied Resolution called my office line stating I need to call him and discuss about my XXXX account. I actually got a call from some other person about two weeks ago. When I ask for more information, they ask for my social and birth date for verification. I do not have any loans with XXXX, so I pulled my credit report to see if someone stole my identity. I did not see any XXXX loan on my credit also. When I told them that I do n't have any account with XXXX they started harassing me that they already verify my social and birth date with my employer. They also started to raise their voice and became very confrontational. I told them to stop calling my work but they keep calling back.