davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AZ)

I had a small tax liability with the State of XXXX from XX/XX/XXXX for {$510.00}. I had moved to XXXX XX/XX/XXXX so did not receive any notification of this liability. The State subsequently filed a lien that was picked up by all 3 credit reporting agencies. I did not realize it existed until I purchased a car in XX/XX/XXXX. I immediately paid the debt that had grown to {$810.00} with penalties and fees. I contacted the State of XXXX and they agreed to cancel the lien from record because there was no real notification that the debt was ever owed. I sent this documentation to all three credit reporting agencies. XXXX and XXXX did an investigation and removed the lien from my file immediatly. Equifax , however refuses to remove the item. I have requested 3 times by certified mail the name and contact information from a person at the XXXX Department of Revenue that is stating this record still exists, but have received no response. I can only conclude they have done no investigation. I have contacted XXXX Department of Revenue to follow up and they tell me they can do nothing from their end if Equifax is still reporting it. 
I am XXXX years old and this is the ONLY derogatory item on my credit record. My State and Federal taxes are paid in full. I am in the mortgage industry as a profession and have to be licensed in every state I conduct business. There are states that will not give me a license because of this derogatory item. This affects my ability to earn more income and pay more taxes. Nobody wins in this situation and it baffles me that Equifax is so reluctant to report this accurately.
Consumer complaint received 2015-09-06
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

A man contacted my XXXX year old grandfather and stated he was looking for me and I had 1 hour to return his call or he would be at my house serving me with warrant papers and arrested due to a auto repo that had taken place almost 7 years earlier. i spent over 2 hours negotiating this old debt over the phone with what seamed a legit company for HSBC. I was assured this debt was settled after making a payment over the phone. It would be cleared from my credit as a closed paid off satisfied debt. This was thought to be resolved over a year ago. After all this the account is still showing open, incorrect dates and owing monies and negatively effecting my credit. I am in disbelief this is still unresolved and mortified these creditors can get away with such drastic threats.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was trying to get a loan form my credit union and there was a discrepancy on my age the birthday that TransUnion had on file of me is the date to my father. So my credit union could not give me a loan. Until the TransUnion report is corrected with the proper information. The date of birth is to my father with a similar name and not my DOB. 

I have had in the past had a credit card with XXXX XXXX 's that was n't mine and it was for a XXXX XXXX in XXXX XXXX, Texas. I had filed a police report back over 5 years ago and pointed out to the police that I never lived in XXXX XXXX and that I do not have an account with XXXX XXXX. But the following day when I went to complain about an account with them they told me it was all of a sudden paid off and that I do not have the right to get the address to the account. I had told the police that I believed it was my ex-wife but they had told me to leave her alone since she is a woman and a XXXX too at the time. So I left it alone.
Consumer complaint received 2015-04-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (TN)

As of XXXX 2012 balance due {$57000.00} with XXXX XXXX. The collection department XXXX XXXX XXXX contracted me into an agreement to pay {$360.00} monthly with {$2.00}, XXXX down to lock in an intrest rate of 0.01 % in XXXX 2012. I have made all my payments on time since XXXX/XXXX/2012. Navient Solutions Inc. has now taken over the loan and charged me 7 % interest rate and my balance now reflects {$53.00}, XXXX. I have made multiple phone calls since early XXXX to have bothe the interest rate and blalnce due corrected. As of date the only correction they have made is showing my interest rate at 0.01 % but the balance is still not corrected. I have spoken to multiple managers named XXXX and XXXX and they keep telling me it should be resolved in a few weeks but still nothing and I spoke to XXXX again today and he tells me he does not know when this will be corrected but it will be done XXXX day. He said there was really nothing else they can do at this point. I would like my true balance corrected and I can not get anyone in their department to help me get this done.
Consumer complaint received 2015-10-24
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Finance of America Mortgage LLC (IL)

Hello, There is a newer mortgage company in the XXXX XXXX area called 'Finance America ' that is now advertising targeting the XXXX market through radio adds in the radio station XXXX, they have had several adds this last week ( XX/XX/XXXX - XX/XX/XXXX ) through the same spoke person XXXX XXXX ' that used to do the advertising for the former well known predatory lender XXXX ' , they are again misrepresenting loan programs and launching un compliant and unfair adds, there is no XXXX information disclosure and no mention of being and Illinois licensee, nor an equal housing lender ; this group of loan officers/ lenders committed multiple cases of fraud before they were put out of business a few years back.
Consumer complaint received 2015-06-17
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Mortgage Team 1, Inc. (TN)

I recently sold my home in XXXX, XXXX to relocate to XXXX, XXXX. The people buying my home hired XXXX XXXX with mortgage XXXX team as their lender. XXXX XXXX gave me a closing date of XXXX XXXX ( after an extension ), therefore I moved my entire truck into a moving truck that afternoon. Less than an hour before the time of closing, she called and said she was n't ready. We went through that XXXX more times. We finally closed yesterday on XXXX XXXX. I have been living out of a moving truck that is costing me {$100.00} a day since XXXX the XXXX. She did n't even submit the loan to XXXX until XXXX XXXX. I finally decided to call her and ask her what the holdup was. After being extremely rude to me, she put me on hold ( or so she thought ) and proceeded to call me crazy and make fun of me to her coworkers for XXXX minutes. My house was paid off, and I needed the funds from the sale to buy my new house. So I put off my other sale for several weeks. My experience with XXXX XXXX was so bad that my realtor ( XXXX XXXX ) said she would never do business with her again!
Consumer complaint received 2015-10-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (MA)

I called to adjust my auto payment so that it would pay more than the minimum amount due, but was told by the customer service representative that their system was unable to do this. My original monthly minimum payment it {$87.00}, but I have had auto pay setup to pay {$150.00} for the past year, so the answer given by the customer service representative appears misleading.
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I am XXXX yr old single father on XXXX. I have been trying to negotiate my mortgage modification with Wells Fargo Bank for a solid 4 yrs. That being said I have been assigned no less than XXXX " Home Preservation Specialist 's ''. I have never been able to speak directly to any one of them, leading me to believe they are fictitious names. In paperwork correspondence WF gives you your " specialists '' extension number, When you call them you are not even given option to dial ANY extension number. 
The reason for this letter is not only for my own relief, but to highlight what continues to be a practice of toying with troubled homeowners until they have no options but to foreclose. 
Wells Fargo deliberately ignores the efforts of homeowners to make reasonable arrangements, even when they become possible for the homeowner. They need to be stopped. 
Thank You in advance for your shedding light on this serious problem. 
XXXX XXXX XXXX
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I took out a 60 month car loan in XXXX from California XXXX XXXX. In XXXX I had to return the car and it was charged off in XXXX. I contacted the legal department at XXXX XXXX and they said they have not been in communication with TransUnion. TransUnion has active dates on this account from XXXX thru XXXX. It 's been almost twelve years since the account was charged off but TransUnion is continuing to keep this bad mark on my credit report until XXXX. When reviewing the dates and knowing there is a 7 year maximum on bad credit marks on a report, none of this makes any sense. XXXX do not have this negative information on their reports.
Consumer complaint received 2016-11-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (OH)

Reoccurring problem from a prior complaint on XX/XX/XXXX that i filed against US Bank where the services that i have signed up for like text and email alerts on my account balance for when it drops below a certain dollar amount do n't ever work until my account is in the negative for hundreds of dollars.
Consumer complaint received 2015-06-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc. (MI)

My mortgage was foreclosed on in XX/XX/XXXX. Real Time Resolutions purchased it after. I have been trying to have this entry removed form my report and disputed in in XXXX, XXXX, and XXXX. Real time response was that it would be corrected and removed by XX/XX/XXXX. To date, it has not When I tried to disputed it again, since they have NOT been at all truthful and lawful since this ordeal began. Their response is that the dispute has been settled. IT HAS NOT. I am requesting to have t his entry taken off off all of my reports immediately. I consulted an attorney and he indicted that because they Realtime is doing this as they ca n't legally come after me. This is XXXX way to keep my credit report flawed.
Consumer complaint received 2015-11-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: D. SCOTT CARRUTHERS (CA)

XXXX XXXX XXXX who works for attorney Scott Carruthers at XXXX XXXX contacted my employer and shared personal information. He claims his law office owns a collection account in my name. I contacted the original creditor and was told my account was never sold to Law offices of XXXX 

I called the number above and spoke with XXXX XXXX who insulted me, made false accusations, threatened to take me to court and take my house. He did not let me speak, he was extremely rude, condescending and threatening.
Consumer complaint received 2015-04-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: URS Holding, LLC (MT)

XXXX XXXX XXXX sent a letter stating that the account had been referred for collection. There was no information sent to validate the debt, rather letter states that I have to dispute debt before they would provide validation. It immediately threatens a judgment instead of listing the process to verify the debt and move forward. 

I sent letter requesting that the debt be verified, that they were indeed engaged to collect the debt, etc. The only information that was sent to me were statements of the account. This provided absolutely no documentation that the firm was indeed authorized and engaged by the creditor to collect the debt. 

Additionally, during this time, their representative XXXX XXXX was literally " XXXX '' my phone every day multiple times per day.
Consumer complaint received 2015-10-24
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (AR)

I 've been with Rush Card 8 years and they have n't funded my money and it 's been three days since I 've supposed to receive it, I have n't paid any bills because I do n't have my money and it 's not right, I only receive XXXX every two weeks, it 's hard for a single mother.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (MA)

Yesterday I was advised by XXXX that I am a victim of identity theft. I filed a report with the police who advised me to contact the credit bureaus. I spoke to reps at XXXX and XXXX who were helpful and will be sending me a credit report. 

By contrast with Equifax, it was IMPOSSIBLE to speak with a human being ( punch this, punch that ). After about 15 minutes the computer said I am not entitled to a report and disconnected me. That level of customer service is simply UNSATISFACTORY. It is apparent that senior management has NO interest in helping customers deal with identity theft. Perhaps the Fed Govt can get them to provide me with my credit report so I can determine if any accounts have been opened in my name.
Consumer complaint received 2015-11-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My ATM card 's expiration date was XXXX 2014. When I did not receive my new card by mid XXXX Istopped in XXXX branches over the course of two weeks, XXXX XXXX XXXX, XXXX XXXX and XXXX. I never requested over-draft protection, but I received this letter rejecting my application. When Iinquired about this issue, the XXXX XXXX XXXX explained that over-draft protection isautomatlcally applled for when you renew your ATM card. I have never had this happen before and I'vebeen banking with you for at least eight years. I was also told that a credit check was not done, but that was not true.
Consumer complaint received 2015-06-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I have some student loans through XXXX XXXX, now Navient. I have been trying to make payments with them- but they are unwilling to work with my income. They continuously try and give me a monthly payment that is way beyond what I can afford and refuse to work with me even though I keep telling them that I am willing to pay but that I just can not afford the minimum payment they are offering. For the longest time they told me my only option was to pay {$150.00} to put my loan in forbearance, which only results in more interest. This is a vicious, disgusting cycle that only allows them to XXXX you into owing them more money. This company is preying on honest Americans who work hard and are just trying to pay off the cost of their education!
Consumer complaint received 2015-06-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchased a Condo in XXXX in XXXX the mortgage was for {$1400.00} monthly with an XXXX fee of {$380.00} I made all payments on time til XXXX when the market dropped and property values plummeted, I tried to do a loan modification with Bank of America which they declined, I asked them to take back the property or foreclose, I moved to XXXX waited XXXX no foreclosure I called to inquire about a short sale a deed in leu or a mortgage release. I was told to do any of them I would have to try another modification I tried and was denied again, I waited another year still no foreclosure, I then called and asked when would they be foreclosing on the property and was told XXXX months or so, due to other credit issues I filed for bankruptcy in XXXX included the property and was relieved of the mortgage debt, but since the property has not been foreclosed yet to this present dated the HOA fees are no longer {$380.00} they 've gone up over the years to {$510.00} and I am liable for every single fee since the bankruptcy settlement. The bank refuses to accept a short sale and continues to reset the clock on the foreclosure process, this has been ongoing since XXXX I am unable to get a mortgage, credit card, car loan, anything having to do with credit because I keep getting judgements against me for the HOA fees as of last month they are stating I owe {$17000.00} and they ad {$510.00} every month after. I have done everything the bank has asked of me for the past XXXX years sent all the paperwork that they have requested of me and still to this day there seems to be no end or resolution to this situation. I 've spoken with over XXXX people at Bank of America and anytime it seems I 'm getting somewhere with someone they change my account specialist on me and make me start all over, I have XXXX children to take care of and its difficult trying to move on with my life when someone could continue to get {$510.00} monthly for a property I do n't live in and that a bank refuses to foreclose on.
Consumer complaint received 2015-09-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Corporation (SC)

RMC is reporting a fraudulent bill that does not belong to me to XXXX. The item is a bill that is reporting from RMC and reads " Paid and Close ''. This is not mine. I never paid it. I had reported the same issue with XXXX about RMC and explained to the hospital that my insurance cards were stolen and the bill does not belong to me and they said RMC and the credit bureau is responsible for reporting this not them. Please remove fraudulent item from credit report.
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Ocwen has been very hard to deal with. There is no communication between their different call centers. My home is at stake and I still have no clue who is managing my case. 

As per final order. 
1. Ocwen has not provided a SPOC2. Ocwen has not facilitated loan modification NPV values. 
3. Ocwen removed access to online e-submission portal4. Ocwen did not provide an independent reviewer. appeal is directed to ocwen. 
5. Ocwen did not provide NPV values on denial letter. 
6. Ocwen has very limited communication between its parties including law firm, law firm was called for contempt for missing and ignoring my communications as per judges orders. 
All I want is my modification approved and be able to keep my house for my family at a reasonable payment schedule. My hopes are on the ground in dealing with Ocwen.
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

on XXXX XXXX we had struggled to get a loan modification through XXXX mortgage after getting XXXX with a 3 % interest we signed on the dotted line. At the time we saw that they had installed a balloon payment of over {$28000.00} they said it was for the payments in arrears but we never missed more than 6 months of payments and this was only because XXXX mortgage said to stop paying thats the only way they would help us. Anyway back to the present ocwen our mortgage lender now added money to this bringing it to {$31000.00} that ocwen has added to our principle remaining balance. We our in the final stage of getting a va refi but again ocwen has tried to rip us off. after i had looked at our modification agreement i found that ocwen violated the contract by not changing our loan to principle and interest which they did not due .The mod agreement states that interest only period will end on XXXX XXXX XXXX which they did not due so now its going on 2 years later and only because i caught them violating the agreement on XXXX XXXX XXXX i had called them and are payment was at {$1700.00} and when i called on XXXX XXXX XXXX the payment doubled over night they took our 3 % interest and raised it to 7.25 % over night iam not a lawyer but this is against the law. So what we wanted them to do is remove the {$31000.00} from our principle loan balance because XXXX out of paying 2 years of principle on our house. they then said they would look into this matter and when i called back they told me that the amount of {$37000.00} would be removed from the pay off amount after the letter was approved .Ihave called almost everyday to find out when this would be removed so we can then payoff the remaining principle balance and get away from this completely crooked company .We were told that it would only take 10-15 days it has gone past that now they tell us to give them 24-48hrs they have said this 3 times .You can now see what we have been dealing with for years now please help us make them remove that fraudulant {$31000.00} deffered payment from our payoff amount so we get finally get a real XXXX fixed mortgage using my va refi. So were asking for any help that you can give us .Me and my family would like to thankyou in advance for any help you can give us to get them to remove that {$31000.00} from are payoff so we can proceed with our va refi thankyou.
Consumer complaint received 2015-09-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: National Credit Systems,Inc. (CA)

This debt is over 6 years old and it has not been proven that I owe this debt. I have not been provided with papers that show I agreed to pay what they say I owe. I have not been provided with a list of any and all services or goods purchased and a line by line itemization of charges and how they calculated what they say I owe. The creditor needs to prove that the statute of limitations has not expired on this account.
Consumer complaint received 2015-10-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (PA)

Requested early PMI Cancellation Forms on XXXX XXXX, 2015. After a month, I still did not receive the documents requested. Called on XXXX XXXX, 2015 and I was told they held it up to investigate if I qualified ( but I was never informed of this ). They said the information would be emailed to me by end of day ( or someone would reach out if I did not qualify ). Neither of those two things happened. 

Called again on XXXX XXXX, 2015 and was told the requests were not submitted correctly and the rep would have to put in a new request. I was told documents are to be mailed out Monday XXXX XXXX, 2015. 

The delays have now cost me {$100.00} to date, with a high probability of costing me another {$100.00} this month.