davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-16
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (MD)

Reverse Mortgage Solutions, Inc. 's ( RMS ' ) foreclosure of a XXXX citizen 's home in Maryland was temporarily averted this past week. A short sale contract at full appraisal ( i.e. RMS appraisal ) was received but rejected by RMS and its greedy investors who choose to remain anonymous. We understand that the DOJ recently fined RMS and its parent entity XXXX for fraud, and it seems that they should be investigated for other improper reverse mortgage activities. 
Further, HUD should do a thorough audit of this account as it was previously handled by XXXX XXXX and XXXX XXXX XXXX, whose overcharges and statement discrepancies were noticed by the elderly owner of the property in question. The XXXX homeowner wanted to take legal action against the bank but was very frightened by unannounced visits and calls by intimidating, rude bank representatives. It is so sad that American taxpayers bailed out the banks so that they could torture and swindle XXXX U.S. Citizens.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to formally request your assistance in addressing a serious issue with Experian 's reporting on my credit file. Specifically, XXXX has reported accounts that are fraudulent and do not belong to me. Despite my efforts to dispute these inaccuracies directly with Experian, the fraudulent accounts remain on my report, negatively affecting my credit score and financial well-being. I kindly ask for your intervention to investigate this matter and ensure that these erroneous entries are promptly removed from my credit report. Your support in resolving this issue would be greatly appreciated.
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (PA)

3rd Party collection company is attempting to collect a debt, that was not mine nor authorized by me, additionally, this debt they are attempting to collect is beyond 6years the statute of limitation in Pa where I reside, the holder of this debt is also a collection agency, XXXX the original debtor removed the debt
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

TO WHOM IT MAY CONCERN THIS IS MY SECOND COMPLAINT AGAINST MACY 'S FRAUDULENT ACT THAT BEGAN XX/XX/XXXX.WHY DO I SAY FRAUD BECAUSE AS OF THIS XX/XX/XXXX MACY 'S HAS FAILED TO REVERSE A LATE A FEE OF {$27.00} WHICH THEY CLAIMED THEY DID .INSTEAD THEY APPLIED THE LATE FEE TO MY MINIMUM PAYMENT WHICH HAS NOW BALLOONED TO {$100.00} XXXX MORE LATE FEES HAVE BEEN APPLIED WHICH HAS RESULTED IN MY HAVING A PAST DUE {$42.00} .RECENTLY I CONTACTED THEIR CUSTOMER SERVICE VIA EMAIL TOO? Y MY ACCOUNT HAS NOT BEEN CORRECTED YET & THERE RESPONSE WAS A PHONE # I SHOULD CALL BECAUSE THE ACCOUNT IS IN A SPECIAL UNIT.I'AM VERY CONCERNED THAT MACY 'S FAILURE TOO CORRECT MY ACCOUNT IS DUE TO THERE BANKRUPTCY.
Consumer complaint received 2016-01-28
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (IA)

Santander Consumer XXXX has had my information for a warranty refund for over 2 months and even gave me the amount of refund on my cars warranty left that I traded. 
XXXX they even know the amount I 'm suppose to get which {$1000.00} and I was told XXXX weeks ago + that I would get the refund in 7-10 days. Now they are saying 8-10 weeks. This is unacceptable. Their customer service is very poor. I should not take over 2 months for me to get my refund when they got all the information from the car dealer that sold the vehicle to me over 3 months ago. I will never finance a vehicle through them ever again again.
Consumer complaint received 2016-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Eastern Account Systems of Connecticut, Inc. (TX)

Eastern account systems did not disclose that they were a debt collector they called my husband and stated that they were charter cable and for him to make a false statement. I have a false report from charter on my credit report and have been fighting this for a few years now trying to get them to remove it. They got him to set up payments thinking that he was paying for out cable TV I have now been calling them for a week now with no response from them and they continue to draft my bank account. They are not disclosing themselves as a debt collector they only stressed that they were from charter. They have now taken over XXXX from my bank account in less than 2 weeks this is ludicrous and I want my money back and for them to remove my credit bureau report that is false since I have never had them up until a few months ago. Please help me thanks.
Consumer complaint received 2016-01-29
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (GA)

Hello, This is my second complaint about this company. my first company ID number XXXX when they replied to my first complaint they simply lied through their teeth this is a sham company, please put a stop to their corruption. in my attachments you will find emails requesting that they do not check my credit. in retaliation the same company checked my credit 3 times they claim that i never contacted them before, which is a complete lie. all i am asking is for them to correct what they did wrong.
Consumer complaint received 2016-02-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (IL)

SLS Loan Servicing is the worst company around. I have a Heloc that the interest only period was ending on XX/XX/XXXX, so XX/XX/XXXX, they sent letters offering a modification and explaining it was shifting to a principle and int. payment and that I needed to send in like {$880.00} by XXXX or the deal was off. I signed the letter and sent a cashiers check. ( as I was fine with this ) Then, out of the blue XX/XX/XXXX. I got another letter saying the same thing, that I was being offered a modification and to send money, etc.. I called them and they were like, 'oh, yes, we see you sent this in already, we 'll take care of it '. We then noticed online that we owed {$1400.00}! Then also in XX/XX/XXXX I got another letter now offering to modify it again ( 3rd time ) and this time keep it as an interest only payment for 5 more years, so naturally that sounded better than the previous XXXX offers, which I thought were already in effect, but never appeared to have taken root in their billing system. So, I called again, after that first call then ensued 2 full weeks of about XXXX different SLS people calling me back and each one was as clueless as the first caller as to what was actually going on with the modification or what took place starting XX/XX/XXXX. Now, my principle balance seems to have gone down, so hopefully that original {$850.00} was applied to principle, but there is no way to check or to verify this. Also, no one could tell me how they were calculating the interest and coming up with the payment they were now telling me was due ( well over {$1000.00} for some reason ). Even if they had switched to a principle and interest payment at the original index plus the margin the amount they were saying was due could not be calculated on any amortization calculator for XXXX amortization, and I work in the mortgage industry so I do this on a daily basis. So, it appears they are most certainly over billing me on interest and can not seem to figure out the payment structure nor the modification or when it goes into effect or if it ever will. The last guy I spoke with said that it should all be fixed now ( about 2 weeks ago ), but my wife just went on line and again their website is showing we owe {$1000.00} again ( the payment at int. only should be about $ XXXX/mo based on {$97000.00} and Prime plus 1.75 % or 5.25 % interest only ). This amount does n't even equal two payments ( if we happened to have missed one, etc ... ), so again, they are full of it and the most clueless company I have ever dealt with in my life and I 'm over XXXX yrs old. I went online and there is no less than about XXXX reviews all slamming SLS to no end and many, many similar stories to mine. They need to be stopped and put out of business or fined heavily as I 'm sure they are ripping off the public to no end. 
Thank you, XXXX
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: RoundPoint Mortgage Servicing LLC (IL)

I recently refinanced my home mortgage. The payoff exceeded the balance of the note by {$2000.00}. The loan paid off was serviced by Round Point Mortgage Servicing Corporation. The loan was paid in full on XXXX/XXXX/2015. As of today I have not received the balance of the overpayment nor have i received a date as to when I will receive my funds. I have spoken to RPM 's customer service and have yet to be the beneficiary of any of their promises.
Consumer complaint received 2015-11-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

MCM , Inc. continues to pursue me in a matter that was dismissed in the XXXX XXXX XXXX XXXX XXXX Arizona on XXXX/XXXX/2014. The company continues to negatively report a debt that I do not owe to the credit bureaus.
Consumer complaint received 2015-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: GLA Collection Company, Inc. (SC)

Well it all started we i ask gla to send me a copy of a lease that i sign.I spoke to XXXX and he said i had thirty days to respond to the letter that they send to my job, which i did I also told him the only way that they could have gotten my home address is by speaking to me, because the letter that was sent to me was sent to my place of employment. They still refuse to send me any document that i have requested. XXXX XXXX also told me that they have already contacted my employer and that the money will be deducted out my check which i told him to do what he needed to do.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AK)

Per 15 USC 1681 it is an essential and grave responsibility to both the consumer and banking system that the credit reporting agencies produce accurate and fair reporting. I recently submitted disputes which resulted in corrections, only to have the inaccurate data returned to some if not all three of the credit reporting agencies. As articulated in 15 USC 1681, these agencies assume a vital role in the mechanism for evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living as a consumer. Therefore, each reporting agency should match data with precision. Particularly when all three form the coveted FICO score.

1681e. Compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have ONE name. However, Experian publishes ( 17 ) seventeen incorrect versions of my name. XXXX publishes ( XXXX ) incorrect versions of my name. XXXX publishes ( XXXX ) incorrect versions of my name. 
Over the last ( 10 ) ten years, I have had only 3 addresses. Two are current, one is not mailable there are incorrect 4 with Experian, 3 with XXXX, 3 with XXXX never associated with me. 

For the last ( 20 ) years, I have had the same and only phone number for both business and personal For the last ( 10 ) years, I have had one employer. Experian lists 3 Employers. XXXX and XXXX list antiquated/obsolete employer information from more than 15 years ago. 

Furthermore, XXXX reports that public records show my residential information as being a home assessed at {$290000.00} with 1968 sqft. I have never owned a home assessed under {$450000.00} nor smaller than 2800 sq ft. However, my company does broker real estate transactions of all kinds and my name is associated with the sale of many homes owned by other parties. How dangerous is it to the credibility of these reporting agencies that my personal value be assumed by the value of property my company is hired to market? 

Any public personal information contrary is inaccurately reported data, as is any information beyond ten years old.
Consumer complaint received 2016-03-17
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (FL)

RE : Complaint Number : XXXX To Whom This May Concern, This letter is a follow up to the above mentioned complaint, which the file may have since been closed. Your correspondence dated XX/XX/XXXX, contacted me regarding notification of the CFPB to US Bancorp due to my complaint to XXXX XXXX XXXX 's office. I did receive a letter dated XX/XX/XXXX from US Bancorp explaining the lengthy process. Within the letter, I was " assured that the remainder of the process would be expedited for a quick resolution. '' I also received a Short Sale Contract Approval letter dated XX/XX/XXXX. The buyer ( XXXX XXXX ), signed a Residential Sale Contract on or about XX/XX/XXXX. By the date of the Approval, she was unable to wait, an agreement to release was signed and she bought another property. 

The agent, XXXX XXXX, contacted US Bancorp and my application was closed. The short sale process started for a third time with my new agent XXXX XXXX, the property was quickly marketed and XXXX XXXX, is the buyer. The attorneys for US Bancorp put the property up for a foreclosure sale requesting me to pay the full and original price, in the midst of us await for the third renewed application process. 

US Bancorp reviewed the information and cancelled the foreclosure sale. The file was reopened, reassigned to a processor and there were no additional documents needed as of email from XXXX XXXX dated XX/XX/XXXX. As my agent, the buyer and I were assure of a " quick resolution, '' a Sale dated was scheduled for XX/XX/XXXX. The date has not only passed but the file, according to XXXX XXXX is still with the processor. The unnecessary delays cause documents to become dated and then the file is " concerned '' to having missed documents that need updates. 

I am hoping that the CFPB will review the above, contact US Bancorp and finally bring this matter to the promised " quick resolution, '' before the buyer is forced to withdraw. Thank you for your attention, I look forward to hearing from your. 

XXXX XXXX
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

Chase 's mortgage statement ( XX/XX/XXXX ) states that we must pay {$9500.00} in the coming month and we owe {$9700.00} in escrow. We do not owe this. 

The NOTE and DEED OF TRUST state that : ( 1 ) all payments received by Lender shall be applied in the following order of priority : ( a ) interest ; ( b ) principal ; ( c ) escrow ( see DEED Section XXXX ) ; and ( 2 ) Borrower shall pay escrow according to RESPA within 12 months, either monthly or lump sum ( see DEED Section XXXX ). 

The accounting that follows the NOTE & DEED OF TRUST yields Book 1. There is no late payment, and no outstanding mortgage & escrow balance from XX/XX/XXXX through XX/XX/XXXX. 

Chase has ignored the NOTE & DEED OF TRUST and manufactured the above deficiencies ( see Book XXXX : Chase 's accounting ). Could you help straighten this up? 

Chase has been harassing us. They has made 500 - 1,000 phone calls ; and sent & gt ; XXXX letters of default ; & gt ; XXXX mortgage assistance application forms ; and XXXX or XXXX intent of foreclosure notices. We think Chase has been doing this to numerous homeowners in order to bilk them out of their money.
Consumer complaint received 2015-12-21
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Northern Alliance Management, LLC (VA)

I have no idea who this company is collecting for as they have never identified themselves. The recorded message states that they have attempted to call me 5 times, which is not true. The message goes on to say legal action will be taken if I do not return their call. They never identify who they are by giving their company name. I have a right to know this before I give personal information out over the phone.
Consumer complaint received 2016-01-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC. (TX)

I take out a loan from XXXX XXXX in XXXX for {$2600.00}. At the time I was really desperate. Once the money was deposited to my account, XXXX XXXX immediately turn the loan over to a debt collection company name Cash Call. I 've been paying {$290.00} every month since XXXX XXXX. I call customer service a few days ago and was told that I 'll be paying this loan until XXXX XXXX. I know I 've paid this debt back already, over {$7000.00}. I would love some relief from this debt that 's hanging over my head. If I continue to pay until XXXX I 'll be paying over {$15000.00} for a {$2600.00} loan. Please help me.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Incorrect information : Name : XXXX XXXX, XXXX XXXX Address : XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I was informed by keep your home California to enroll in the " Unemployment Program : Forbearance Plan '' with my bank CHASE. Then I was informed that I was accepted on the program and they ( CHASE XXXX sent me a forbearance agreement saying that I should not be paying any monthly amount. Later, XXXX XXXX XXXX informed me that if I wanted to make a payment I could. I said no because I read in the agreement in section " B '' that " your monthly forbearance payment amount [ is ] {$0.00} ''. Thus, I started not making payments according to the agreement. After a few months XXXX XXXX 2014 ) of no payment and checking with them how the process was going then I found out that I was been reported as late all this time, not as in forbearance as should of been. Indeed, I received a letter in XXXX XXXX stating that I was past due. When finding this out I started making payments and complained to them for the wrong information given to me and they said it was not their fault. I complained also with XXXX from XXXX in XXXX XXXX as I think they are partners. He said he " will check into it ''. In the same month I got another letter from Chase saying that I was approved for a loan modification program and payment plan was detailed there for me. It seems like the information about the forbearance was not processed properly within their company and now recently I 've found out these late payments are reported in my credit report. I have been adversely affected by that going in my score from the XXXX 's to the XXXX 's. In XXXX I also spoke to XXXX about the forbearance and my issue with my credit score, he was the person who finally ended up processing my loan modification. Until this point they have not done anything to fix their mistake.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND XXXX AND EQAFACTS AND PROBALY XXXX STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP THANK YOU.
Consumer complaint received 2016-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Universal Recovery Corporation (KY)

Universal RE is on my credit history for XXXX. I have no debt to them. When contacted XX/XX/XXXX, they acknowledged that it may have been from my childrens XXXX school class photo. I explained that we always paid by check and that after checking my records with banks ( in accounts that are now closed ) there were no overdrafts or ISF listed. They acknowledged I have no account or account numbers with them. This is from XX/XX/XXXX. Yet it is a mark on my credit. I asked that they remove it. They did not do it.