davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MN)

In approximately XX/XX/XXXX, my ex-husband stopped making required monthly spousal maintenance payments which in turn delayed my ability to keep current on my payments to Specialized Loan Servicing.

After several months, I regained the ability to make payments but was told that all previous payments had to be up to date before they would allow me to begin payments again. I did not have that amount of money available to me.

In XX/XX/XXXX, I made my first application for a loan modification/repayment plan. It was then that SLS began continually asking for more documentation such as a copy of my driver 's license, a new request for tax information, obtain a quiz claim deed from my ex-husband, etc. and they would drag it out so that I would have to submit a new application with all new updated information including bank statements and check stubs.

I was told repeatedly on many occasions that my packet was complete only to learn they needed " one more piece of documentation ''. Not only that, they changed the mailing address from me to my ex-husband 's address. I was given no communication other than two letters and being served for the sheriffs sale from them even after many attempts over the last two years to change the address or at the very least, to include me on all communications.

I have completed and submitted no less than eight different packages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently, XX/XX/XXXX only to be told that more documentation is needed. 

I have been working with XXXX XXXX XXXXat the XXXX County Housing Department and she has advised me to submit complaints to both your office and also to the office of the Minnesota Attorney General. 

I was unable to upload my documents but will submit them via USPS mail.

Thank you very much for your consideration. Please contact me with any further questions or information you may need.
Consumer complaint received 2018-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (FL)

I am current client of XXXX cable and internet services. I pay my bill monthly, but they sent me a collection notice for {$360.00} to CREDIT MANAGEMENT LP. I can't get a straight answer from anyone I speak with. Customer service isn't proficient enough to handle my requests to have this removed. They say there was a change in plan ( without my authorization ) thus creating a termination fee resulting in the {$360.00} now due to the above-mentioned collection agency. I would like this to be removed from my credit report along with the balance due.
Consumer complaint received 2017-04-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (NE)

I was added as cosigner on a student loan through   XXXX    XXXX   XXXX  in  XXXX . When I fiiled out my portion of the paper work I adde d three stipulations for the loan : 1 Interest would be paid during school to avoid a Higher amount of principle at the end of school. 2 I be notified if the loan payment is late. 3 do   not put the loan through if the stipulations are not agreed to by all parties.   XXXX   XXXX    XXXX  took my information, removed the stipulations, forged my signature on the note and pushed the loan through. they then sold the loan to  XXXX   XXXX   XXXX  and then   National Collegiate Trust.    The  loan is serviced by  American Education Services a nd despite 11 years of attempting to resolve the fraud with AES I am still unable to get any where. My credit has been and continues to be effected by the false reporting and including my name on a loan I did not agree to or sign for. I have spent over  XXXX  hours on the phone, sent in a fraud packet in  XXXX , contacted the governors office in  XXXX  and  XXXX  and Inspector Generals in both states as well. My credit is still effected. NCT and  AES are  the only negative marks on my credit history since  XXXX . I have maintained a perfect record of paying off my debts including  XXXX  of my own student loan fees. I have no problem paying off what I owe but I will not have my credit  held hostage  or give in to extortion on a loan I did not agree to or sign for.    Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan )  Issue Getting a loan : Qualify for a better loan than offered
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (GA)

Yesterday I tried to close my checking account and the bank said they couldnt cause they were holding my paycheck hostage, they also wouldnt close my savings account, but they had already robbed me. The bank took two separate deposits that were unauthorized and unknown without my permission to pay a credit card in which I was ordered not to buy a lawyer. Im undergoing debt consolidation. XXXX XXXX  has been my bank for near 10 years.
Consumer complaint received 2018-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SUNTRUST BANKS, INC. (AL)

I called a representative from the bank requesting a payment date on my loan to make sure it did not go over 30 days late. I stated that myself, my wife and our children has all had the XXXX at the same time and I want to make sure nothing gets overlooked and turned in on my credit for being over 30 days late. The representative gives me a due date and I make the payment on that date. While making the payment I was informed that I was over 30 days late and they will be notifying the credit bureau. They reviewed the information stated on the phone recording and still turned me in late knowing I was given wrong information. I stated that Im in the middle of a construction loan and your bank gave me the wrong information, so Id like it to be fixed. He then stated I could have the bank presidents address and I could take it up with him.
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PDQ Services, Inc. (GA)

The date for one of the charges will be XX/XX/2017 the company name is PDQ. The amount is XXXX dollars. I wasnt aware that I owed for an apartment that the management time had the keys to and I no longer was in possession of this property never had a physical lease with this rental lady either, but she was able to still place this on my credit. To top that off she leased another apartment to me in the same complex.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have been disputing a XXXX XXXX account on my credit report with all three Credit Bureaus. The disputes led to XXXX XXXX taking me to court over a credit debt of {$2100.00} on XX/XX/2016. I filed an Answer with the court denying the debt was mine. After meeting with the attorney who showed me copies of statements which I denied any knowledge of, we were unable to come to any mutual agreement. We had to continue with court which the Judge ruled in my favor the defendant. The attorney was unable to prove the debt belong to me. I was given a copy of the Judgement which i sent a copy to all three Credit Bureaus, XXXX, XXXX and Equifax. They still continue to report this debt as does XXXX XXXX who also has a copy that was given to there Attorney.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have contatced XXXX XXXX a total of 15 times either by phone or mail since XX/XX/XXXX when the first XXXX XXXX  account was open then in XX/XX/XXXX another XXXX XXXX account was opened. I have made numerous attempts to get this cleared up and removed from my Equifax credit report. Neither Equifax or XXXX has tried to assist me or tell me what I need to do on my end to get this resolved. I keep receiving letters from DISCOVER staing they will not review. I feel like I am being singled out by a company that I have never dealt with my identity was stolen in XX/XX/XXXX. I have sent them a copy of my police report that didn't make a difference either.
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RAS LaVrar, LLC (GA)

RAS LaVrar , LLC : This letter is being sent to you in response to a notice sent to me on ( XX/XX/18 ) or in r. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, Experian or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no further telephone contact, to be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me or coming to my home to serve court documents it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

i had barclays card and there was an auto repair purchase on there that I disputed becuase the repairs weren't done correctly and my car still didnt work Barclays gave me the money back then took it back and gave it back to the shady mechanic
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Today on XX/XX/XXXX I called USAA ( United Services Automobile Association ) XXXX from my cellular phone XXXX XXXX, with the intentions of opening a new checking account. I was briefly transferred at the 1st call to another department. The 2nd call updated general contact info ; address, email, telephone number. After updating info and the 2nd agent then informed me I was incorrectly transferred and she would then need to transfer me again to correct department. The 3rd call was my final conversation with a customer service agent of XXXX. The agent informed me before I can open a new checking account. I would be required to pay old credit card balances from XXXX & XXXX, which to my surprise are not only well past the stature of limitations but have been cleared via guarantor insurance. The agent did not verbally recite a Mini-Miranda ( or when I was transferred to the 3rd rep no recording advised of a Mini-Miranda ) that both accounts had to be paid in full since it was a collectable debt. I advised that would be illegal to as it would be double dipping when I stated that XXXX has already been paid via insurance guarantor this seem to make the agent ballistic. She began overtaking and yelling to the point I had to be firm and take control of call. I then advise to transfer me to a banker the agent refused, she was aggressive and combative to she volunteered her supervisor ( which I didnt ask for ) I then said Our conversation is over Please connect me to a banker for assistance, she then placed me on hold then I go the voicemail of a XXXX who on her voicemail greeting title was Sr. Rep or a Team Lead. So in fact I was not even transferred to the person the agent demanded I be connect with or the correct transfer that I requested to a banker
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WI)

I currently have a mortgage with   Ditech.
Ditech   is directed to escrow funds for Taxes and insurance that come out of my monthly installment. My ending balance in escrow at the end of  XXXX  was {$420.00} after paying my taxes of {$2100.00}. However Ditech said they received a second invoice from the municipality for taxes and paid them again in the amount of {$2200.00}. In this case my escrow was in a negative balance and  Ditech to o the liberty of charging me on my escrow account showing I had a negative balance. The taxes have been paid in full with  Ditech se cond payment a nd Ditech was  issued a payment back from their tax department on   XXXX   XXXX   XXXX     in the amount of the first check of {$2100.00}. However my escrow account has NOT been credited. I have been paying interest on money they stole from me. I have been trying to get a payoff since    XXXX   XXXX   XXXX      and no one is helping me. I fee l Ditech is us ing my money. Fraudulently added {$2200.00} onto my account without my permission and I have been being charged o interest while they are using my money. I have also been paying interest on my balance of the loan because I can NOT get an accurate payoff statement. Please help me resolve this fraud! How many times do most people ever review their escrow account and get taken ... I can assure you if the tables were turned I would get penalties, interest and a bad credit rating.
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I HAVE A CHARGE ON MY ACCOUNT THROUGH BANK OF AMERICA THAT I REPORTED BACK IN 2014 WHEN THE CHARGE HAPPEN AND THEY DID NOTHING. I THEN TRIED TO REACH THEM WITH A FRIEND OF MINE AND SEE WHAT THE OUTCOME WAS AND THE REP FROM BANK OF AMERICA SAID THEY CAN ONLY GO BACK 60 DAYS. MY FRIEND EXPLAINED TO REP THAT IT WAS REPORTED BACK IN 2014 AND NOTHING WAS DONE AND REP SAID THERE WAS NOTHING THEY COULD DO.
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing concerning my experience with Capital one that is both a grateful Thank You and a pressing request concerning a tradeline in my credit files that I would like to have revised. 
I have had my Capital One Mastercard for almost a year now and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, in XX/XX/XXXX, I was 30 days late on my payment. I was on XXXX XXXX XXXX from my job for 6 weeks in which I received 60 % of my salary which led to this 1-time lateness. I am the  sole provider for our family. I did use what little savings I had to cover our living expenses but, this left us in an unfavorable position financially. Concessions had to be made and regretfully, this led to a late payment on my Capital one MasterCard account. 
The shortage of income, even though it was a short period of time was a brutal wakeup call for me concerning financial responsibility. Since that incident, I have learned the the essential organizational and financial management skills I desperately needed at that point and my payment history since XX/XX/XXXX reflects that. I wish to thank you for your renewed confidence in me for giving me a second chance at a positive relationship with Capital One, one that I am determined to keep untarnished.

My wife and I are about to begin the process of purchasing a new home, and it has come to my attention that the late notation from Capital One may prevent me from taking full advantage of the best interest rates available. Since that notation does not reflect my status with Capital One, I am requesting that you please give me a second chance at a positive credit rating by revising that 1-time late payment from XX/XX/2017. I simply hope that there is redemption at Capital One, and I plead for such consideration. 
I have called Capital One explaining my situation about 2 months and the service agent told me that if set up AutoPay and dispute it with all 3 credit Bureaus that they would not answer the dispute thus having the credit bureau change that 1-time lateness to a positive. I have tried that and nothing happen. So now I am reaching out to you with this letter. 
If any additional documentation would assist in reaching a positive income, please feel free to contact me. 
I thank you again for the time you have spent reading this correspondence. 
Very Hopefully yours,
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

I had a loan w ith OCWEN. We  sold our house and had new financing and we 're going to pay them off. We had a closing date and the payoff amount. Once we closed the loan and they were paid off, about  two  months later it showed on my credit report that I ha d missed two pa yments to them. Which my title company and I were told not to worry about because they knew of the closing date and we had the exact payoff amount. I have tried to contact them numerous times to get this removed from my credit report and they will not do it.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

FCRA & 605B ( 15 U.S.C. & 1681c-2 ) I ask Transunion credit reporting agency to block information reporting my consumer report that result in identity theft and fraud within XXXX business days of receiving this complaint.The fraudulent inaccurate account is XXXX XXXX account number is XXXX account appearing on my consumer report I do not recognize the aforementioned account.I have attached my FTC Identity theft criminal complaint case number XXXX
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

We have been paying our current mortgage after the refinance since XX/XX/XXXX with no late or default, however our original house appraisal was done in XXXX for the amount of XXXX ( during the purchase ), and the original loan for XXXX. Wells Fargo Mortgage is now saying to remove PMI from our loan we would have to pay off over 159,000 dollars ( current balance is XXXX dollars and an estimated value of over 370,000 dollars ). They have stated today that they have no appraisal on file. The Wells Fargo representative also stated that we would have to spend XXXX dollars to have a new appraisal done on the house by one of their representatives, and to dispute this we would have to have 2 other appraisals done by 3rd party licensed appraisers, which they may still not accept ( all in all over {$1500.00} ). We live on a 2 acre property in an area where land sales are going for over $ 40-50K/acre and I know for a fact that similar real estate in this area has sold for well over the $ 375K-400K mark. I do not trust Wells Fargo to do an honest and accurate appraisal, as it is to their best interest to keep the property value low, however I'm not in a position to pay over 1500 dollars to pay for all three appraisals only to have them turn over the appraisal and call what they have done accurate. 

Please help.
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (OH)

We have a business checking accou nt in Chase.  A wire of  XXXX  dollars was sent to ou r Chase acc ount back to  XXXX   XXXX . We only get credit of  XXXX  dollars. Th en Chase ch arge us  XXXX  dollars wire fee from this  XXXX . So  XXXX  dollars was gone before wire came in our account.   Has been talking wit h Chase for 5 months. Chase  refused to provide information about how this charge occurred and how it was calculated? No answer why it is not on the service charge list if it is  Chase took th e money.   By back and forth betwee n Chase a nd the  XXXX  bank,  Chase a dmits that the wire came  in Chase  in  XXXX  dollars, and they deduct  XXXX  dollars before credit my account. But they refused to provide information about why this  XXXX  dollars be charged before coming in my account.   Since the  XXXX  dollars was deducted before it came in our account, it is different with they charge from our account as the fee we knew  XXXX  dollars.   How could someone took our money without our authorization?
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (FL)

I do not owe on a  XXXX   XXXX  collection bill,  XXXX   XXXX  is my current service company and I always pay my bill on time and have active service. This is inaccurate data