davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (FL)

I submitted a 30 day notice for moving out of an apartment. The office manager claimed I did not and tried to charge me another months rent and expenses. I submitted a written 30 day notice with my rent check as I was told to do. I verbally told them about 30 day notice, as well. The rent check was cashed, so I assume they got the written notice, too. I had the apartment professionally cleaned upon departure ( much, much cleaner than when I moved into the apartment ), I was completely out of the apartment days before the 30 days were up.
Consumer complaint received 2015-09-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I refinanced my Mortgage with XXXX XXXX XXXX. Soon after, the mortgage and the home equity loan were both either sold to or turned over to SLS ( Specialized Loan Servicing ) to servicing. 
They have proven to be totally incompetent. I have called them on numerous occasions to complain about accuracy of statements and receiving multiple statements per month, each with different information. 
I called them again this morning, pretty upset, that I currently have XXXX separate statements from SLS for my Home Equity Loan. 

Here is a recap of the current XXXX statements I have from SLSAll XXXX state a due date of XXXX/XXXXDated XXXX : ( Why am I getting a statement a full two months before it is due? ) Amount due XXXX : {$50.00} Late fee if not paid by XXXX $ XXXXXXXXDated XXXX : Amount due XXXX : {$50.00} Late fee if not paid by XXXX : $ XXXXXXXXDated XXXX : ( apparently I have a credit? ) Amount due XXXX : $ XXXX Late fee if not paid by XXXX : {$2.00} ( why would there be a late fee or a due date if I have a credit? 

Dated XXXX : Amount due XXXX : {$50.00} Late fee if paid after XXXX : $ XXXXXXXXAs you can see, XXXX different statement dates, all say due on XXXX, yet all XXXX provide conflicting information. 
This is absurd. I do not trust these people with my money. 

I would like to know:1. 
Does XXXX XXXX XXXX still own the loan, or was it sold to SLS? XXXX XXXX XXXX tells me they sold it. SLS tells me they do not own it, are only servicing it. 
2. 
I put my trust in XXXX XXXX XXXX. I do not have any trust in SLS. I do not want them handling my money because they do so in such an irresponsible manner. If, indeed, they only service the loan - how can I have the servicing transferred to another company? 
3. 
What is SLS? Are they are servicing company? A bank? A debt collection agency? I am told different things by SLS, depending on who I speak to. On the back of their monthly statement it says " This communication is from a debt collector '' I hate to think that my mortgage and home equity loan are both owned by a debt collection agency? How can that be, when it was financed by XXXX XXXX XXXX and it has never been paid late? 
4. 
What can I do to ensure they fix the problem of multiple monthly statements, each containing different payment information? 

5. 
Mostly, what can I do to rid myself of SLS? 

Thank you, XXXX XXXX.
Consumer complaint received 2016-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.
Consumer complaint received 2015-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (TX)

Back in XX/XX/XXXX I disputed a debt from Midland funding on the account XXXX. Once verification was received I requested the account taken out of dispute. I have sent multiple letters and have made multiple phone calls to remove the dispute and dispute verbiage form my credit report. Each time I am assured the dispute is removed only have it placed back on my credit within two weeks. Each time I call Midland funding I am told the dispute was added due to the credit bureau. So therefore a few weeks ago I had one of the credit bureau 's call three way with me on the phone on a recorded line that Midland should be able to provide. They verified to the credit bureau the account was not in dispute. Yesterday the dispute verbiage showed up again and again Midland told me it was the credit bureau and specifically referenced XXXX. I called and spoke to XXXX at XXXX who confirmed it was not her company that requested it. She then saw all my contacts and suggested I file a formal complain through the FTC. I have been told this is a way to hold my credit hostage to try to get me to pay the debt because the company knows that due to new FHA guidelines a dispute will hold up a closing of a home. This should be an illegal practice. Per XXXX they have once again removed the dispute and I have once again put it in writing for Midland Funding that this account is NOT disputed. We went through a tragic circumstance with my son who is now on hospice and this continued stress inflicted by this company should be dealt with. Thank you very much!
Consumer complaint received 2015-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Creekside Recovery And Capital Management (GA)

I received a voice mail on XX/XX/XXXX from XXXX XXXX stating that she is coming to my place of employment, will speak with someone to find out what time I will be in, then she is coming to my home and she will get in contact with one of my relatives. In this voice mail she never stated what company she represented and I take this type of voice mail as a threat.
Consumer complaint received 2015-09-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (NC)

I had car loan with GM Financial, they have the beginning date as XXXX XXXX, vehicle was not purchased until XXXX XXXX, which was voluntarily turned in XXXX of XXXX due to my financial situation due to a prior job loss. The car was sold at auction in XXXX XXXX. I received a notice from the IRS stating I owed taxes for XXXX on this car because GM Financial had turned in a XXXX for XXXX. I did not own the care in XXXX, there has been no activity on the account from me since XXXX XXXX. I also received a carfax on this vehicle, every year that I registered the car for my tag XXXX where I live, the car was also registered XXXX which indicates the car was suppose to be a lease, not a purchase as I was told by the finance company. The car was sold for XXXX and they turned in {$3600.00} on the XXXX, again in XXXX not XXXX the year I turned the car back in to the company. This was not earned income, I never received any income from GM Financial. According to all the fees, I more than paid the full price of the car and in addition they received an extra {$4000.00} when it was sold at auction. I have tried contacting the company many times and if I 'm lucky enough to speak with someone I only get the run around. BEWARE of this company!!!
Consumer complaint received 2015-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (OR)

I closed my account XXXX. They contacted me in a letter saying that I owed more than what I thought I owed due to a machine that they said that they sent me that I never received when I attempted to close the account and pay the money that I 'm supposed to pay I was told that I can not pay that off at this time until they figure out what happened to the machine. They also told me that not to worry about it being in collections because we 're not going to allow it to happen, two days later it was at collections and I was being told that I owed not only the money that they XXXX said, but another {$200.00} added from the collection agency. I called XXXX six or seven times trying to get this fixed and get it back to them and they promised me that they were going to take care of it which they never did meanwhile the new collection agency hounded me for 3 to 4 weeks calling me almost 5 to 6 times a day I again explained to them that the mistake of XXXX and they really did n't care to hear about it all they wanted me to do is pay off their collection fee and the longer it takes more money i will owe them. I again told XXXX that I 'm not going to pay {$900.00} when I only owe them XXXX bucks I did not hear anything back from anyone until I read that this now on my credit report. I have no problem paying the amount of money I owe to XXXX I never attempted to not pay my bill they 're the ones that stop me please do whatever you can to take care of this thank you
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

upon checking my credit report online with experian, I notice that there is a collection a couple of collections reporting in my report. I filed a dispute with experian XXXX XXXX and XXXX letting them know that the information was inaccurate that i have never had an agreement or account with either company but they are still reporting to the credit bureaus. not only have I never had an account with either company, They are also reporting the accounts as open and with a balance. as of XX/XX/2024 XXXX XXXX  is reporting a balance of {$1800.00} on account # XXXX and XXXX XXXX XXXX is reporting a balance of {$880.00} on account # XXXX
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have just received a foreclosure notice from Ocwen LLC they have not honored the loan modification took all my payments, did not apply them extended my loan to XXXX months and have told me repeatedly that it was being " taken '' care of but the modification department needed time to review everything and that it takes time. They went from " we are on your side '' to " sucks for you '' my Loan was at XXXX and despite payments they have increased it by XXXX to XXXX and not applied XXXX penny to the account, in addition I sent them proof of every payment made and cleared and they have not updated their system. I have at least XXXX equity in my property, they are basically trying yo steal it from me. They have made me complete at min, of XXXX loan modifications, because they messed up the paper work, giving different amounts to be paid, some as small as XXXX they sent me paper work for a payment of XXXX each month to XXXX then would not cash my check and returned it to me because they mad an error and the new amount was XXXX. A XXXX dollar difference. I have complained to XXXX and Ca department XXXX oversight and they have done NOTHING! I have ALL documentation and correspondence. I have bank records and even had XXXX bank call with me and they are not acknowledging my PROOF of payments and could care less.
Consumer complaint received 2015-09-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have owned my home for 10 years and have XXXX mortgage liens with Bank of America. Due to financial hardship, loss of equity in my property, and loan fully amortizing, I have reached out to Bank of America for assistance as I can no longer afford my payments on my mortgage loans and do not want to loose my property or tarnish my credit. On XXXX I contacted Bank of America to inquire about my options, she said I would have to speak with the loan modification department. Bank of America 's customer relationship manager stated that because my property was located in California that I could have someone contact me within 14 days to discuss further. She set an appointment for XXXX/XXXX/15 at XXXX and I never received a call. XXXX I called Bank of America at XXXX asked why I did not receive a call and there are no notes in my file to why. The lady proceeded to begin the review process, took my financial information and stated I qualify for loss mitigation assistance and a customer relationship manager should be in contact by phone in 5-7 business days. As of XXXX/XXXX/15 I have not received a phone call from Bank of America. I called a third time and spoke with XXXX XXXX, customer relationship manager. He stated on XXXX my telephone number had been requested to be removed and someone update my number to XXXX, this is concerning as I never removed my number and now someone has my personal information and is capable of updating my mortgage information. Per XXXX he updated my phone number accordingly and furthermore gave me my XXXX name and set up a meeting for XXXX/XXXX/15 at XXXX, I verbally approved to be contacted prior to XXXX as I work from 8-5pm and can not take personal calls. XXXX also stated that he emailed the customer relationship manager and their manager about the appointment. XXXX by XXXX I have not received a call. I am a homeowner who has made on time payments for 10 years, I am seeking assistance and at a loss what to do as I have tried multiple times to contact my lender and Bank of America has made little effort and empty commitments. I am very concerned that my credit is going to be affected due to Bank of America 's inability to communicate and follow through.
Consumer complaint received 2015-09-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BAM Financial, LLC (NJ)

West and associates continues to call me and my fiance about a debt that is n't even mine. They can not prove the debt they claim is mine belongs to me. XXXX XXXX thearten me and called me XXXX. He said he would come to my place of employment.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX ran my credit report and did XXXX hard inquiries during the same time frame which impacted my credit report. XXXX XXXX shared my credit report with XXXX XXXX and they did more hard inquiries. I need all the hard inquiries deleted from my credit report because they abused my credit report. The hard inquiries are negatively impacting my credit report and score.
Consumer complaint received 2016-02-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO. (CA)

My Chase XXXX private student loan has now been paid off three different times with the balance ending at {$0.00}. They will not close the loan out and continue to send me monthly statements even though the loan is now with XXXX XXXX. The people that work there continue to give me the run around transferring me to several different " supervisors '' all who say the loan is closed out and then I get a bill every month. No one here know how to process a payment, loan transfer or a loan pay off. I demand that the loan is closed out immediately.
Consumer complaint received 2016-01-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (AZ)

Union Bank continues with Fraud, false Banking Statements, False Alerts and has made contact with Store Merchants along with XXXX and XXXX. Union Bank of XXXX and XXXX XXXX have Violated my Privacy Bank Rights and by giving merchants my " Savings Account Number ''. After making On-Line Payments Union Bank Web-Developers and Programmers made contact to send back payments, by using my " Saving Account number. History will show continued Fraud by Union Bank employees. On-Line payments were made only using my checking account, Debit Bank Card, then Union Bank employees would make contact via phone and instructing them that the account was over drawn then having the merchant re-send the payment back using my Savings account on XXXX different transmissions. Union Bank on-line statements will show and prove that at that time, the Checking Account had sufficient amount to cover all transactions. Union Bank Programmers have committed criminal activity by posting Fraud overdraft charges on XXXX different transactions then " Blocking on-line access. Union bank has made Refunds on XXXX different complaints, the calling merchants a second and third time to send back on-line payments, evidence of statements will prove that Union Bank Programmers have violated wire transfer laws, posted false statements, then refunded on XXXX different transactions. No Savings Debit card was ever issued, only Checking account. Union Bank employees continued this criminal activity for the month of XXXX XXXX and XXXX XXXX. A positive balance was maintained with a positive amount of over {$660.00} during this time. Union Bank is located only in XXXX, and since I relocated to the State of XXXX this criminal activity started, knowing the nearest Union Bank is over XXXX XXXX miles away. XXXX Documents of Bank Statements and on-line printed statements.
Consumer complaint received 2016-01-12
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Lazega & Johanson LLC (GA)

Lazega & Johanson LLC ; did not reach out to me before they moved forward and filed a law suit. I responded to Lazega & Johanson LLC ; to try to set up a payment plan for case ( XXXX ) in GA. They moved forward and opened another law suit to take my pay, after I sent over XXXX letters from XXXX to XXXX requesting a payment plan. I called the office today on XXXX, and XXXX XXXX told me that they did not have to respond to my letters for a payment plan. I then remember that another law office by the name of XXXX XXXX and XXXX has been taking payments for over a year. 

Lazega & Johanson LLC did not reposne to any of my written request and moved forward to garnish payment when I asked for a payment plan, prior to, the garnish payment file to the court. 

Now I submitted the the order from the case that was resloved ( XXXX ), They are rude and not being truthful.
Consumer complaint received 2016-01-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (CT)

Had Identity theft around or during time frame of said account. midland collections will not what so ever send any forms /paperwork to me when said account was open with credit XXXX with my signature that can prove that I did such a thing.
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (HI)

XXXX has incorrect information reported on my credit report. High balance is not correct. I have asked XXXX XXXX for removal but she will not delete that tradeline. She told me the balance was {$1000.00} but I settled for {$500.00}. She tried to make a deal where if I paid the remaining {$500.00} that she would delete the tradeline. She does not understand the balance was incorrect so I was not able to comply with her terms. The account was serviced by a collection agency named XXXX XXXX. It was there that they told me that after payment ( settlement ) that my account would be deleted. However, the tradeline is still listed on my credit report.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MI)

This is a direct dispute with Equifax. I had a 30 day late listed on a XXXX XXXX account. The account number XXXX, date open XXXX 2011. they have me listed as a 30 day late in XXXX 2011. This is untrue and I have disputed this multiple times. I was infact not late and I need the account updated correctly. The account was paid as agreed, I paid XXXX payment, The motorcycle was stolen. the next payment date was XX/XX/XXXX. The check from the insurance company was sent to XXXX XXXX XXXX on XX/XX/XXXX. Therefore according to the XXXX XXXX resource guide I can not be marked a 30 day late. The industry Standards set forth by the CRA states " the " clock '' for a 30-day delinquent account starts 30 days after the due date as opposed to the billing due date. How long it took XXXX XXXX to process the check when it arrived on XX/XX/XXXX is n't my, the consumers responsibility. They did in fact received the check within the 30 day window set forth by these standards and that payment should have been applied to my account on that date. All Equifax has done is sent it to XXXX XXXX and they verify it. They have not done their due diligence in correcting it. I am asking this be corrected and report as a positive reporting account. I was not 30 days late and it was paid by my Insurance company within the allotted time frame. I have attached a letter from my insurance company for proof of when the payment was mail and it was not past the 30 day window of XX/XX/XXXX. I 'm not going to keep going back and forth with Equifax , XXXX, and XXXX. I have done that multiple times. I want it corrected ASAP! I also want the comments deleted that says paid account/was 30 days past due date.
Consumer complaint received 2015-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (MD)

In XXXX, I was contacted by Chase mortgage with regard to a third lien on my home that I knew nothing about. I had been separated for many years from what was my ex-wife for all purposes since XXXX and the short of this story is that she had been using our home as collateral on XXXX occasions ( XXXX refinances with current banks ) for a total of the XXXX liens totaling XXXX. In addition, she had also used XXXX on several transactions which as it turned out were credit cards in my name in which she was the authorized purchaser, all these bills she was at XXXX point paying. I paid the mortgages as they were for my house however, I thought I owed XXXX as I bought the house in XXXX and only took out XXXX loan for the siding in the XXXX. In any event, I found over XXXX on my credit report when my girlfriend explained what all this was, I was shocked. I hired an attorney. It is still on my credit report, although I have agreements with both Chase ( US District Court # XXXX ) and XXXX ( Case # XXXX-which was later negotiated and dropped ) as to the removal of the items from my credit report, this has not been done. So far this has cost me thousands of dollars. I can not refinance my house which still has XXXX home loans that I did not take out or sign for..but have been told I have to pay. Please someone help me with this credit situation. I have both Chase and XXXX documents as does my attorney. If this does not clear up I will file suit against them both for the long term damage to my credit report. 
I can not get a loan from anyone with a credit score of XXXX. This is due to fraud that you perpetuated.