davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (MI)

I lost my job and I am late on my mortgage payments. I want to work out a suitable solution for the bank and myself. The bank sent me a packet, I completed it and returned it to them. Approximately XXXX later I received a notice that my submission was incomplete and I needed to resubmit certain documents. I faxed these docs to the number listed. Another XXXX weeks passed and I received a document taped to my front door saying my home was scheduled for Sheriffs sale on XX/XX/2017. I am just looking for an opportunity to solve this issue, to include selling my home if necessary. I just need to speak with someone that has the ability to delay the sale so we can work out a resolution in good faith. 
Thank you.
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NJ)

I opened a PNC checking account ( performance select ) on XXXX XXXX 2016 in a local branch with a promotion of {$300.00} new account bonus. I have completed all the requirements in XXXX 2016. I have contacted PNC for multiple times about this bonus and was told I met the requirements of receiving the bonus. For my last inquiry on XXXX XXXX 2016, I was told I would get it within 10 days. However, as of today, I still have not received it yet. I have no choice but to submit a complaint regarding this issue to CFPB and hoping PNC would fulfill the promotion.
Consumer complaint received 2017-01-03
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Endpoint Resolution Services (ERS) (AZ)

On XX/XX/XXXX at XXXX I received a call from Endpoint Resolution Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX from the number XX/XX/XXXX I spoke with XXXX. XXXX represented himself as a law firm stating that I was going to be sued for an undisclosed amount owed for a XXXX account, he stated that their company only takes on accounts in which the debtor has assets that have been verified ( I own nothing, have been unemployed for 3 years, and homeless in the last year with XXXX children ). He stated that " You WILL be going back to work, you WILL have wage garnishment '' and that I would be served by a process server in the next 3 days who will come with a security team and that I should be prepared, at which point he was specifically warned that this is a second amendment residence, and that I did not appreciate his threat or comments for the need of a security team. 

I was immediately irate because he spoke to me in a condescending manner, represented himself as a law-firm and threatened me with a lawsuit and made comments about a security team coming to my home, he was rude and mumbled through our conversation. He did not state the company name, did not mini Miranda me, and told me that I will be paying up!
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

SInce XXXX i notice a few inquiries on my Credit report that i never authorize I have been calling Transunon and XXXX since than and sometimes they told me yes they will be deleted and after 30 days they are still there i called them again and they keep saying they will not delete them and they refuse to update my mailing address even after i send them fax and certified letters regarding addresses and inquiries i never Authorize in the first place. Both Companies refuse to corporate
Consumer complaint received 2024-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NC)

My financial hardship began on XX/XX/XXXX when I first fell past due with my payments on my mortgage thru Caliber home loans. Prior to falling past due with my payments I had contact Caliber home Loans and advised them of my situation, they had advised me that they could not help because I was current and that I needed to fall past due to get help, I let them know I was no longer able to afford the mortgage due to only XXXX income so I would need to default XXXX way. I had applied for help 7 times only to be denied over and over again. I finally received help on XXXX XXXX where I was approved for a trial plan, the plan trial was set for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with payments of {$530.00} which I made a 3 payment on time and was looking forward tot he final documents to get this nightmare behind me. I waited for 5 months calling them almost daily requesting the final documents but I never received them, I then later called Caliber and they advised me the loan was denied on XXXX/XXXX/XXXX for failing to sign the final documents. 
I argued with Caliber to resend them but they refused and have scheduled a foreclosure date for XXXX/XXXX/XXXX. Caliber had advised me that the only option was to reapply, I received the documents on XXXX/XXXX/XXXX to reapply which I filled out and sent it back on XXXX/XXXX/XXXX, I have been calling daily but they say they have not received it. My divorce was finalized on XXXX and I gained full custody of my son it 's hard already not having his mother in the home but to lose our home too it 's not fair for him. Please help me in saving my piece of the American dream, my home.
Consumer complaint received 2017-01-04
Product: Debt collection — Auto
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (FL)

I was XXXX XX/XX/XXXX and I received an email XX/XX/XXXX that my Clearance was being Adjudicated, on XX/XX/XXXX a list of the accounts was provided from my POC and I then learned one of the accounts involving a XXXX XXXX Account that had been reported as Charged Off by the Credit Reporting Agency. I was sent a picture of a Collection letter that was sent to my children 's home in XXXX NC, I called the Law Office on XX/XX/XXXX and explained that I was currently XXXX and had disputed the account with XXXX XXXX because I had requested that the account be adjusted for charges and fees paid in violation of the SCRA over the 5 year period I had been XXXX. I had been XXXX a few times during that time and had know idea that the account had be charged off or placed into collections, I also stated that I was very willing to pay the account in full, once the charges were adjusted according to the SCRA 6 % Limitations, and that last thing I wanted was for this to become a court case. She told me that the case was placed with the firms office, and they had n't contacted anyone about the account and as long as I was willing to work with them to get it paid, it would n't be filed in a court action. I had been calling the law firm office and was still waiting to hear back about the adjustments, but it was the XXXX holiday and I had n't been able to reach anyone for almost 3 weeks when a Default Judgement was mailed to the North Carolina address XX/XX/XXXX. I was never told that a Complaint was filed and the only thing in the mail was a Motion for a Default Judgement without a hearing, there was n't a Complaint Filed that I can see and I did n't want to call the collection agency back after I realized that they had just been stalling me about the adjustments to the account. The judgement has been placed on my credit report by the Court, I thought that they had been notified about my XXXX and that I did n't reside in North Carolina, but a Clerk of Court through the documents filed with the Court on XX/XX/XXXX away. I do n't think contacting the Court myself will help, and even a Attorney would be seen as my representative, and could give the Court jurisdiction. I ca n't afford a Attorney and I do n't trust the law firm who deceived me last year, so I 'm hoping contacting them through the CFPB will make sure I 'm not blocked by a Clerk and a Judge can Vacate the Judgement or Dismiss it. I 'm afraid this Attorney will drain my bank account or something else, she has been sending letter to the house in XXXX and threatening my family. I feel like I do n't have any way to stop this attorney from harassing my family except paying them, I do n't see why they did n't just let me pay XXXX XXXX XX/XX/XXXX, is n't that what a Collection Agency does? I will not have any further contact with this firm.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

Hello my name is XXXX XXXX XXXX I came across these unauthorized inquiries still reporting on my credit report on XX/XX/year>. I asked that you immediately remove it from my credit file as soon as possible as I am a victim of identity theft and did not give any authorization whatsoever please remove.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I have multiple errors that I have been working hard tohave equifax fix but theyrefuse to help me and I dont know what to do bc I 've consulted with the bank the provide me a letter about a 30 day latepayment with XXXX banks bc of the type of bill payment check from XXXX. 

Also I have a fraud collection that equifax repeatedly re-reports but with a higher balance. I feel as if Equifax and the collection agency are in bed with each other and taking money to keep stuff on consumers reports no matter the case. 

I need these lates remove by equifax and the collection gone. I see they 're getting fined and sue bc of misleading on credit scores .... maybe this will be next.. I hope not but the evidence is piling up bc the other XXXX bureaus investigated and updated.. except EQUIFAX.
Consumer complaint received 2017-01-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This company stated that I would not be charged anything if I turned the car in ... I advised them that I was having financial problems and wanted to know what I can do because I could not afford the payments any more ... .they said that I could turn the car in and it would be a voluntarily surrender. now they are saying that i owe them extra funds on the vehicle.I told them to knock on my door and I would give them the keys ... ..
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: BARCLAYS BANK DELAWARE (IL)

XXXX - Barclays Declined Dispute / negatively affecting credit score. 

Intially, I was charged {$120.00} for consulation, we were very hesitant because there was no real sign of them being licensed, no medical staff were present & provided no business cards at all. My appointment originally was with a female doctor but she apparently was n't around & another male doctor was available. My husband asked for proof of credentials or certification & was he a board certified plastic surgeon, he would not present anything. After all this, we were n't comfortable going ahead, could not trust this company and walked out. My husband told the receiptionist, XXXX, that we do n't want to go ahead with the procedures and would like our account credited for amount they took in advance. She told us the XXXX XXXX accouting office is closed, she will call the office on Monday & so did we, to get the full refund returned. My husband spoke with XXXX XXXX from their accounting department in XXXX about the refund & XXXX emailed in writing a confirmation that the refund process has been intiated on XX/XX/2010. Nothing was refunded to my original credit card for the {$4000.00}. We called again but were told XXXX XXXX was no longer with the company. 

I contacted my credit card provider, Barclays, about what happened & numerous disputes against this charge and XXXX. Barclays were very unhelpful and refused to accept my genuine, legitimate request.
Consumer complaint received 2017-03-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Hello, Re-XXXX my name is XXXX XXXX XXXX, I have been paying XXXX mortgage through my checking account. I actually paid the full amount which was due on XXXX XXXX, XXXX, There is a problem with USAA lost Medication Department. ( XXXX XXXX ) has confirmed they have not received any payments. However, my bank which sends the payments. through electronic has confirmed XXXX has been accepting the payments. On XXXX XXXX, XXXX, I was on the phone with XXXX and my bank, and the bank confirmed the payment and the address. This information is recorded. so Please listen to the recording. XXXX XXXX has sent the letter from their research department ( XXXX ) XXXX confirming no payments have been made. Letters dated XXXX XXXX and XXXX XXXX XXXX. On XXXX XXXX I received my check uncashed from XXXX loss mitigation department. ( the check they say they did not receive ) photo attached. One thing Lost mitigation department can not lie about my electronic payments. XXXX XXXX actually sees the payments, XXXX XXXX has stated he will not send XXXX anymore funds all the funds will go to USAA corporate office. It is evident that someone at loss XXXX is trying to sabotage him. There is n't any reason for 5 payments received before XXXX/XXXX/XXXX and they are all lost and not received. The last electronic payment was returned, I have actually XXXX with signed confirmation to USAA Headquarters XXXX XXXX @ XXXX has advised no to do so. However, XXXX has lost faxes and payments. It 's evident there are issues. Here are all the payments sent. Which are {$2000.00}, {$200.00}, {$1600.00}, {$1800.00}, {$1800.00}, {>= $1,000,000} I believe these amounts take care of all the payment which were due. Now if XXXX XXXX sends them back and lies about it. XXXX XXXX actually have copies of the letters they have sent. She claims she ca n't listen to the conversation. It shows pure laziness and deceitfulness.
Consumer complaint received 2017-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

Today, XXXX XXXX XXXX, I went onto Ocwen Loan Servicing website and found that Ocwen failed to report accurately to the credit bureaus once again. I also found that Ocwen failed to update their system to reflect the correct payment information. Enclosed is a credit history letter, payment history sheet, a credit reporting sheet, a credit history sheet from Ocwen Loan Servicing website and a credit report from Experian dated XXXX XXXX XXXX. As you can see on the credit history letter, Ocwen is reflecting a " XXXX '', that there is no payment history for XXXX XXXX. Please refer to the payment history page. As you can see, Ocwen received our XXXX XXXX payment on XXXX XXXX XXXX. Also, Ocwen failed to report for our XXXX XXXX mortgage payment. Please refer back to the payment history sheet. You can see that we paid Ocwen on XXXX XXXX XXXX for XXXX XXXX mortgage payment. Since Ocwen received our payment in XXXX, why did n't Ocwen report for XXXX XXXX in XXXX? Ocwen Loan Servicing has failed to report accurately in the past and is still continuing to violate our rights. Ocwen keeps stating that once a dispute occurs, Ocwen freezes all credit reporting until the matter is closed. If this is true, why did n't they report accurately for XXXX XXXX a couple months later? Why did Ocwen Loan Servicing own website clearly reflect that there was no payment history available for XXXX XXXX when we did pay Ocwen in advance? This issue must be address and investigated to find out if Ocwen Loan Servicing has violated any State or Federal Laws. Ocwen has ignored our requests, to have Ocwen Loan Servicing report accurately each month and to keep XXXX XXXX in the Ocwen Ombudsman Office from providing any responses to anyone, regarding our mortgage loan. XXXX XXXX has failed to answer our questions in the past and failed to provide documentation as we requested. We will continue to file complaints against Ocwen loan servicing until they comply with our requests!
Consumer complaint received 2024-08-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (WA)

My loan that I obtained years ago to finance a roof on my house was just transferred to a new " servicer ''. I received a letter stating that none of the terms of my loan would change and that my auto payments would continue. I then received emails and text messages that my payment was late, which has been auto-paid every month since the beginning ( XXXX ). I attempted several times to contact customer service with no success. I sent multiple emails with no response and spent hours on the phone on hold waiting for someone to answer. Today, I finally reached a person who had to send me a special email for me to log into my account, which also did not work. When I asked why my auto pay did not renew, she did not know why but said I could set up a debit card or auto pay with a bank account for now fee. I asked if there was a fee for a credit card payment ( as this is how I have paid for quite some time to earn points/cash back on my card ) and I was told that they DO NOT ACCEPT CREDIT CARDS. How can they just change the terms of the loan like this and no longer accept a form of payment that I have been using for years with no notification or options?
Consumer complaint received 2017-01-04
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (TX)

I have been with Netspend for over 2 years in which I mainly used for direct deposit from my company and to pay my rent. I had 2 inaccurate charges on my account so I disputed boh as suggested by the agents that assisted me over the phone. XX/XX/XXXX my account was closed without proper communication to me. I called them and asked why my account was closed the lady stated suspicious activity and stated a check will be in the mail and it takes 10 business days. XX/XX/XXXX my rent is due and then after the XXXX it 's considered late and an eviction can be filed plus late fees. I asked if the check can be overnighted to me but he company would not resolve the issue at all. I have XXXX small children and if I lose my place due to the wrong doings of this company then that would be very unfortunate on my behalf. Please assist
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (NJ)

My credit report is showing late payments on XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXXXXXX customer service representative.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

For most of my life i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that i did n't open. They are all over the XXXX XXXX XXXX area and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not like I used it anyways but still I do n't have a good start. I went on line a couple times to dispute stuff and nothing happened. Since having my report ran and talked with the federal trade commission they advised to submit documents to credit bureaus and negative source who is reporting. and to keep responses and when it was sent.