davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

This is in regards to Equifax statement of dispute about a Public Record that IS NOT CORRECT!. 

They have a Public Record on my credit which is not correct. I sent documentation to along with my dispute to show what they have is incorrect : Meanwhile I find it VERY hard to believe that they " verified that this public record item is reporting correctly and verified that this item belongs to you. '' in a little over a week.. I DONT THINK SO! 

I also question why they fail to leave there phone # or any contact info after the part where they say '' If you have additional questions about this item please contact ''. 

And this is what they said about Inquiries I disputed, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' This is clearly a matter of them not doing there job, I say this because I send in the documentation to show I do not owe any one.
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been working on my current loan modification for 3 years now with no resolution. This is my 3rd attempt at a loan mod. Some years back I completed a loan mod on my own. After the trial payments were completed and additional payments made the loan docs were never re-done to reflect the new loan terms. I was forced to stop payments due to the lack of new docs showing my new loan moving forward. A second loan mod package was completed again on my own. At the end of this process with a week or two left to close, my loan was sold to a different servicer. I was in shock. I started a new loan mod package with them. At t the end of this process they approved me again, however, my payment was going up more than {$1500.00} a month? At this point I was told take the deal or you will be forclosed on. Granite, my income had gone back up but I stated my income fluctuates and it will be tough to maintain that payment. They did n't care and pressured me into that mod or be foreclosed that month. A CLEAR VIOLATION OF FRANK DODD. Of course, after 12 months of payments I could not manage the payment anymore. Now after 3 years with representation, I still have no resolution. In fact, XXXX 5 months ago I challenged them on their valuation of of my property and them trying to deny my loan mod. I 'm a real estate appraiser and rebutted and destroyed their appraiser and valuation. To my surprise that entire loan package was lost/deleted or who knows and I was asked to submit a new complete package. This brings you up to date. Of, course they want me to submit more docs as I write to you today. Lastly, they have put my house in the foreclosure process again as I am still in negotiations. My lawyer asked why they did this and he was told because they can. Again, forclosure notices taped to my front door, mailings to the house, phone calls from people that want to buy my house. My kids harassed on the phone. The XXXX is now unbearable. I 'm not sure they even have a clear title on my property. This servicer has VIOLATED Frank Dodd by pressuring me etc. 
I 'm claiming reverse RED LINING due to my home being located in an affluent predominantly white neighborhood. And for the same reason just mentioned above, I claim I 'm being discriminated against. Please Help!
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company has no XXXX in the state of XXXX and has no right to report on my credit report.. I called the Texas Department XXXX XXXX and regulations and they further verified that In Texas this company has no XXXX bond to collect in the state of XXXX.
Consumer complaint received 2016-06-21
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: HOMESTAR FINANCIAL CORPORATION (KS)

My wife and I filed a joint application with Homestar Financial Corporation for a USDA Single Family Home Rural Development mortgage/loan. We have been ignored/mislead/lied to regarding the acceptance or denial of the loan by the USDA underwriters, among many, many other faults. Our loan officer told us that the USDA denied the loan, but after contacting the USDA directly, they informed us that they had in fact not denied the loan. They told us we need to contact Homestar directly. We have contacted the local Branch Manager, the Division Manager, and the corporate office 's Compliance Division. Corporate has told us repeatedly that the Division Manager will be contacting us, but he will not return phone calls or emails. A week after the loan officer lied about what the USDA said, we still have no answer as to what the true status of our home loan is. I have a word document that details the entire experience and our attempts to find answers.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

These inquiries should not have been made to my credit report. I have attached emails and letters from bank as proof I dint authorize. 


XXXX XX/XX/XXXX XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX Automobile Dealers, New XXXX, I XX/XX/XXXX XX/XX/2019 Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XXXX Auto Financing XXXX XXXX XXXX All Banks XXXX XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX XXXX. 




XXXX XXXX XXXX XXXX. 




XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX All Banks XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX
Consumer complaint received 2016-09-06
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

I am getting repeated calls from Synchrony Bank ( SP?, phone number XXXX ), regarding an Amazon store card. I do not have any Amazon credit card, I believe the calls are meant for the last person to have my phone number ( I often get calls meant for this person ). The calls from Synchrony are automated, and if I answer, tell me to call them back. When I call their number ( XXXX ) I get an automated system that is only to verify my acct. information ( which I do not have, since I do n't have an account ). After several minutes ( 2-3 ) of failing to verify my ( non-existent ) account information, it says it is transferring me to a customer account representative and then hangs up.
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I opened an Extra20 account with Santander XX/XX/XXXX, soon after they started promoting it XX/XX/XXXX. I diligently met the requirements for approximately two years, earning $ XXXX monthly bonuses. However, the account type was discontinued and they switched me to another account type without ongoing bonuses. Original marketing materials contained the bonus amounts going up to five years. I believe the bank never intended to continue this type of account. They used it to attract new customers, giving a false sense of security with marketing materials showing five years of bonuses. They probably never intended to continue the account type, and hoped that customers would stay with them due to inertia. I consider this to be unethical and potentially abusive.
Consumer complaint received 2016-09-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (AZ)

On XXXX/XXXX/16, I received an online alert from XXXX Credit monitoring for which I am a subscriber. After reviewing my credit report, I noticed a new collection account for STELLAR RECOVERY INC that was reported via XXXX ( account XXXX ). I obtained my free credit report from XXXX on XXXX/XXXX/16 and filed dispute XXXX. On XXXX/XXXX/16 XXXX removed account XXXX from my XXXX credit report. On XXXX/XXXX/16, I received another online alert from XXXX Credit stating that STELLAR RECOVERY INC reported the same account that was previously deleted from XXXX to XXXX on XXXX/XXXX/16. I have previously called STELLAR RECOVERY INC and there only methods for disputing an item directly with them is to email your social security number via unsecured public email or to call an answering maching and leave your social security number. Neither of STELLAR RECOVERY INC methods for communication are reliable, documented or secure. I am deeply concerned that STELLAR RECOVERY INC is shopping credit bureaus to solicit a settlement for a debt that I do not owe. This unscrupulous behavior is harrassing and time consuming since they are bouncing the debt around to varying credit bureaus. The contact information for STELLAR RECOVERY INC is as follows : Stellar Recovery Inc, XXXX XXXX XXXX XXXX XXXX, XXXX MT XXXX Phone : ( XXXX ) XXXX.
Consumer complaint received 2016-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

There was a court ordered stipulation that the bank is not following. I have been writing to get the account corrected since XX/XX/XXXX and yet they ignore my requests. XX/XX/XXXX, yes XX/XX/XXXX, I submitted another request to have them investigate. I just received yet another letter dated XX/XX/XXXX that they are still addressing my concern and conducting research, however I just received documents for pre-foreclosure. The bank has not properly serviced this loan and is in contempt of court. I need the account corrected to reflect the agreed terms and to cease their foreclosure action until they can update their records properly!
Consumer complaint received 2016-09-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

I established a HELOC on XXXX/XXXX/XXXX with XXXX XXXX. It is now serviced by Ocwen. It was a 30 year term with a 10 year draw period for a principal amount of {$100000.00}. After the draw period expired, the repayment period began with a 20 year repayment period. On XXXX/XXXX/XXXX I made a payment of {$360.00} as that was showing as due for XXXX/XXXX/XXXX. I am trying to pay my mortgages ahead. As the documents will show, this payment has been changed and applied 9 times. They now show that payment as a principal payment, with an approximate balance of {$100000.00}. I never requested this to go as a principal payment. My 2nd issue is that my payment due for XXXX/XXXX/XXXX now shows {$770.00}. At the current rate of 4.25 % for a 20 year payback, The payment should fall in the mid {$600.00} range, I have attached a calculation. I have emailed Ocwen many times with no response. Calling their customer service is a joke. Per the emails sent I attached, I have requested an explanation with no response. I need your assistance. I have attached a verification of mortgage to show diligent payment history with no late payments. I refuse to make another payment until they justify the payment and the terms of this loan. I have attached the note and mortgage as well. Thank you.
Consumer complaint received 2016-09-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

On XXXX 2016 during a visit to Wells Fargo Bank XXXX XXXX XXXX approach us ( Me and My Wife ) and provided us with verbal information regarding the XXXX account features including higher interest rate on savings, free check books and free safe box as well, we did sign for it few days after we received new bank card in mail, on XXXX/XXXX/2016 my wife went to the bank to put some valuables in her safe box where they told her that she does not have the XXXX account so she 'll have to pay {$100.00} for it, on XXXX/XXXX/2016 we went back to the bank to get more informations about the changes that took effect on our account without our knowledge or consent, XXXX XXXX the store manager admitted that some changes has taken effect on our account and the only answer we get from the manager was ( I do n't know ) and when my answer was " when it comes to financial issues, I Do n't Know is not a valid answer specially when comes from a manager '' XXXX XXXX started getting really upset raising her voice to unpleasant tone telling me it 's a business place and I should n't say that or behave that way, then she turned her back to me, Despite the fact that I did not get any answer about who and when and how my accounts has been changed without our consent, I felt humiliated with that kind of treatment that I got from Wells Fargo store manager so I had to excuse myself going back home with an unsolved problem and a disappointment from the way I was treated which is unacceptable, Taxpayers spent XXXX to save the banks during the bailouts of the Great Recession. Would n't it be nice if they followed the laws of the land?
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (CA)

Sunrise Credit Services Inc. states I owe XXXX {$110.00}. I have never had XXXX and do not owe this debt. I had XXXX Internet and XXXX through XXXX which I paid on time and do not any money to. I called XXXX at least ten different times to question what they are erroneously charging me and I kept on being transferred to XXXX stating claiming that I owe XXXX for XXXX. In fact, I had credit with XXXX and do not owe {$110.00} to XXXX or XXXX at all. None of my attempts with XXXX were ever resolved and ended in calls being disconnected, being on hold for over an hour and being transferred numerous times without the charges being dropped as promised by an XXXX representative. I was told the charges would be dropped and to call back the following week to see that the charges were cleared and it ended up in going to a debt collector. Please Help since Sunrise Credit Services nor XXXX is willing to resolve the issue which is affecting my credit. Thank you.
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc. (IL)

THIS IS THE UMPTEENTH TIME THAT I HAVE REPORTED THESE PEOPLE!!!!!!!!!! THIS {$5900.00} NEEDS TO BE OFF OF MY XXXX CREDIT BUREAUS!!!!!!!!!! I ASKED FOR IT TO BE REMOVED BEFORE AND IT WAS, NOW, IT 'S BACK ON MY XXXX XXXX REPORT!!!!!!! KEEP THIS XXXX OFF OF MY XXXX REPORT!!!!!!!!!! THESE PEOPLE LIED AND SAID THEY SENT FRAUD PACKETS!!!!! NEVER GOT THEM!!!!!! AND THE POLICE DO N'T DO ANYTHING WITH REGARDS TO ID THEFT!!!!!!!!
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (GA)

tere were several accounts opened in my name by an girlfriend who was living in my home several accounts have been closed and are no longer affecting me how ever this account is still on my credit report after I have sent several police reports, court documents and jail records to the agencies and disputed the accounts directly as well and with collectrion companies
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FIRST ADVANTAGE CORPORATION (TX)

There was a background search requested by XXXX XXXX XXXX, to First Advantage XXXX XXXX XXXX. This investigation came back with a criminal charge on it that is not mine. The only thing matching is the dob with myself and the person found. Due to this criminal remark on my record I am unable to attend certain events at my daughters school.
Consumer complaint received 2016-07-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Columbus Finance Inc. (OH)

I have a payment that is almost 30 days late. My fault, totally. When attempting to discuss a payment arrangement with Columbus Finance, I was belittled, spoken to rudely, and outright told to " stop talking '' after being asked a question that I assumed he wanted an answer to. I have never been so rudely and disrespectfully treated by any business. Ever. I was told if I did n't call with a payment by Friday XXXX XXXX, my car would be picked up. 
I was hung up on after this conversation on XXXX XXXX, 2016 and now on XXXX XXXX, no one will answer my calls or return them. I have called XXXX times and left XXXX messages with the person I normally speak with.
Consumer complaint received 2016-07-23
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Esser, James & Associates (MD)

I received a call from number XXXX. I answered the call and the automated voice said if I was who I was to press one. I pressed one and was connected to a person who asked if I was someone named XXXX XXXX or XXXX, I could n't tell. I gave them my correct address and they pulled up my file and stated theyre were esser, james, and associates and that they were giving notice that I was going to be sued for credit card fraud. I asked why and they stated that I had a XXXX chevy Malibu and a chevy equinox, as well as a mortgage in my name and said I 'm able to repay the debt and have not. I told them I have none of these things and want to dispute. They told me they were unable to dispute and were going to sue me no matter what unless I arranged payment. They said they would put a lien on the house and vehicles. I told them I could n't pay and told them these were not mine. I told them the vehicles my husband and I have as well as the amount of credit cards. They said it did not matter and there was nothing I could do. I agreed to pay, even though I know I could n't pay because I was terrified. After the call, I called a debt collector I 'm currently making payments to ask them if that sounded right. They looked up the information these people gave me and found that they are confusing my mother and me, which is what I thought and I told the company. My mother is XXXX XXXX and I 'm XXXX XXXX. if they would have looked that the birthday they would see those things are associated with a woman born on XX/XX/XXXX not myself born XX/XX/XXXX. In essence, esser, james, and associates are threatening to put a lien and sue me for my parents house and vehicles, which I am not involved in nor are they co-signed on any of my loans or cards. Once I realized something was not right I did research and found multiple reviews on this company that they have done the same thing to others as they did me. Now I 'm getting emails, which I will attach, every day telling me to sign a document, which I am not doing until I get ahold of the original debt holder and tell them about this as well as ask for verification because I feel the 3 payments of XXXX dollars they requested is n't even the correct amount owed.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (DE)

I had XXXX time share loans with XXXX XXXX. I deeded these time shares back to the corporation thus absolving my obligation. I have attached a copy of my credit file showing the narrative " Deed in lieu of foreclosure ''. These XXXX loans should NOT have a balance on them. I disputed this with the bureaus but Experian left the balance and item remaining. This is a violation of my right under the Fair Credit Reporting Act.
Consumer complaint received 2017-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

My mortgage was sold to select portfolio services Inc... I was told that " nothing '' would change from my old mortgage to my new one... My old one ( XXXX ), allowed me to make online payments at no cost ( I paid extra )... SPS charges me XXXX dollars per online payment... I have the option of setting up automatic payments - but it takes away my options of paying more...