davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NV)

In XX/XX/XXXX I had a debt for XXXX that was old to a collection agency ( XXXX XXXX XXXX ). I seen it on my credit reports for {$320.00}. They reduced it down {$64.00} and I settled with them and paid {$250.00} XXXX/XXXX/XXXX. They updated my credit reports and showed I paid it leaving a {$0.00} balance. Now XXXX/XXXX/XXXX XXXX illegally reopened that same account selling it to a new collection agency ICSystem saying I owed {$64.00}. I spoke to cox and both collection agencies. XXXX XXXX shows I paid it and sent proof to XXXX who then sent proof to ICSystems XXXX/XXXX/XXXX and I requested it be deleted from all XXXX credit reports and while it was being investigated for it to be put on hold. I also filed a dispute with XXXX earlier that week. ICSystem finally deleted it off of XXXX but illegally reported it again the following day to XXXX and XXXX and has yet to delete it off even though they are aware it was not a debt I owed. I had paid it XXXX/XXXX/XXXX. They also are reporting this debt 3-4 times a month ( once a week ) damaging my score as much as possible. They have refused to delete it off of all XXXX credit reports knowing that it is not a valid debt and after cox has told them to remove it.
Consumer complaint received 2016-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (MD)

Nelnet was servicing my student loans. I did not qualify for in-school deferment because my school was not XXXX XXXX. There were several conversations about a forbearance and/or deferment for several months from XXXX XXXX through XXXX XXXX. The forbearance was finally granted and was retroactive to to XXXX XXXX, XXXX but covered all months between XXXX XXXX, XXXX through XXXX XXXX, XXXX. My account was brought current with Nelnet but was never updated with the major credit bureaus. This behavior is contradictory to the FCRA 623 ( a ) ( 2 ). They are direct violation of the the FCRA. I have asked customer service representatives to send me written proof of my forbearance but they keep sending me a payment history. The last representative I spoke with told me, " this is not going to help your credit report, we are not fixing that ''. My loans have been consolidated. prior to the consolidation, Nelnet refused to even acknowledge the forbearance.
Consumer complaint received 2016-04-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

My mortgage was transferred from Ocwen to XXXX XXXX on XXXX XXXX, 2016. The escrow amount at that time should have been XXXX. The escrow amount at that time was XXXX, and that amount was transferred to XXXX. Numerous phone calls has not yielded a return of the funds. Your assistance is needed to remedy this situation.
Consumer complaint received 2016-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NJ)

i have been a customer 10 years. first time i am late. ex huaband is on loan not being contacted only me contacted citi to report not only tenant breach and defualt of lease but vandalism to my home making payments very hard to make. 
Pleae have someone call me to in an individualized way handle all this. 
I will pay XX/XX/XXXX when i can. i asked for a non one size fits all approach and i got exactly that. 
please contact XXXX at XXXX as i have asked for the payments.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Flagstar have been playing loss mitigation games with me since XX/XX/year> its been grueling self defeating and discouraging the latest unethical tactic is they website have been blocking me out for 2 weeks straight. Originally I was only 4 payments back Flagstar also went far as refunding my last payment in XXXX just to justify to put me in active foreclosure while in the guise of supposedly helping me with the loss mitigation, come on I sent them every document they requested for the last 6 months and they still keep coming up with something new or come with the we haven't received the documents are we can't read the document the same ole same Ole. It's XX/XX/year> and now they accelerate the forecloser while I am waiting for their review I was told one thing about I have sent in all the documents then only by mistake when I call in to ask questions I am told or asked for documents that they have not asked for the prior six months because of all of this I not only owe the original back payments but a extra XXXX in lawyer Reinstatement fees. When I talked to the Reinstatement lawyers I asked them why would they accelerate a foreclosure on me the reply was Flagstar bank told us to so I called Flagstar bank and asked them why would you instruct XXXX XXXX XXXX to accelerate a foreclosure on me the reply was your loss mitigation is not complete all this after 3 days prior I was told by Flagstar that they have received all requested documents this is what I call the Loss Mitigation game. One more note in XX/XX/year> I called in to pay the 4 months back that was allegedly owed I was told they wouldn't accept the payments because as of today we filed an active foreclosure on you that day, all the while I was thinking the loss mitigation process was in good standing. Very very deceptive.
Consumer complaint received 2024-08-20
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. (DE)

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

I filed chapter XXXX bankruptcy in XXXX and my mortgage was included in my bankruptcy. My bankruptcy was discharged in XXXX, XXXX. Ocwen Loan Servicing was paid by the trustee each month. I paid my mortgage in full each month on time!!!!! I received paperwork from Ocwen Loan Servicing on XXXX/XXXX/XXXX that my mortgage was delinquent in the amount of {$8900.00} for XXXX - XXXX. They are now threatening to foreclose on my home if I do not pay the {$8900.00} by XXXX. 

Also, if they had not received payment from XXXX - XXXX, they would have informed the bankruptcy trustee and my house would have been foreclosed on then!!!!!!!!!!!!!!!!!! 

ON ONE HAND THEY SAY I 'M CURRENT AND ON THE OTHER HAND THEY SAY I 'M DELINQUENT. 

My account was never updated with regards to my bankruptcy. My account should be current!!!!!
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

The credit card company did not credit my account for a refund I received from a merchant. I contacted them three times by telephone and each time I was assured by customer service representatives that they would correct the problem. However, it was never corrected. I then wrote to the credit card company at the address they indicated for billing disputes and provided supporting documentation regarding the refund I should have received. They never responded and my credit card account continues to be listed in arrears and I continue to be charged an interest fee on the balance.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have filed a validation dispute with Transunion, XXXX and XXXX regarding Bankruptcies that are listed on my credit report. After filing a validation dispute requesting proof that this debt belonged to me, I received a letter in the mail stating that this debt was confirmed and is said to be my debt. I then contacted the Bankruptcy courts who then advised that they do NOT confirm any debts with the credit bureaus. I would like to know exactly who or how they verify debts for any individual, without proper documentations. I also requested a second validation and was told that I would need to provide additional proof to validate any information on my credit report. I would like this information removed from my credit report because the Bankruptcies were never verified and the credit bureaus are lying to the consumers.
Consumer complaint received 2016-07-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been trying to secure a loan modification with Bank of America for over 2 years now. I have experience poor service from Bank of America. I have written a number of times regarding the rough treatment I have received in letters which Bank of America has dated XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX of XXXX. I was told by XXXX XXXX XXXX yesterday that she would call me back today between XXXX and XXXX. After holding on the line with XXXX XXXX XXXX from XXXX until XXXX I was finally connected with XXXX XXXX. It seems that we had a miscommunication on when we would meet by telephone. My conversation with XXXX XXXX, I indicated that my home is over {$120000.00} underwater due to maintenance issues in my kitchen, bathroom and foundation. I asked that some or all of my principal balance be forgiven and XXXX XXXX said that while B of A owns the loan as investor, principal forgiveness was impossible. I have appealed to bank of America in good faith because I believe it would be fair for them to give me some relief from my principal balance. If relief was not given to B of A in XXXX and XXXX, the Bank would no longer be here. I have been told by XXXX XXXX XXXX XXXX office that B of A does principal forgiveness. This process has been very stressful with hours and hours of phone wait times and representatives who passed me from XXXX person to another over and over.
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

On XX/XX/2016 I submitted an application online and finished it over the phone with XXXX at Amerisave Mortgage. At this time I told him that I had a 1st and a 2nd mortgage that I wanted to subordinated the 2nd mortgage to the new first and wanted to make sure that would be ok. He said that would be fine locked my rate ordered disclosures and collected the funds for my appraisal. XX/XX/XXXX I received my initial LE and no subordination fees were listed at this time. ( My loan was also priced incorrectly not listing my XXXX, which I did n't know at this time ) XXXX subordination paperwork was submitted via email and into Amerisave 's system. XX/XX/XXXX Appraisal came in lower than expected but new disclosures were generated with a rate adjustment for the difference. ( again priced incorrectly, did not know at this time XXXX XXXX new LE was generated with updated pricing showing subordination fees XX/XX/XXXX contacted Loan officer about the inaccuracies on LE, he said he would look into this and told me that he did n't have it priced with a XXXX mortgage being subordinated. XX/XX/XXXX email from LO stating his boss was looking into the incorrect fees but never heard back or received an updated LE. XX/XX/XXXX uploaded and emailed title work from the title company including a prelim CD showing the updated title company 's fees ( I still have n't received an updated LE on this either ) XXXX original subordination agreement was received by the title company and emailed to Amerisave processor XX/XX/XXXX Received an email from my processor at Amerisave stating that I had XXXX outstanding conditions, both items requested were emailed to her XX/XX/XXXX. XX/XX/XXXX I was informed that the information that was submitted on XX/XX/XXXX was n't enough and that it had been elevated to credit risk for approval. At this point I have processed my own loan and still have been given the run around. They have tried to charge fees that were well out of the three day window to redisclosue due to a change of circumstance and also did a bait and switch with my pricing, when it was fully disclosed at application that I was going to be subordinating my XXXX mortgage to the new first with Amerisave. Now that we are getting close to my rate lock expiring they are dragging their feet for my approval. Being a XXXX as my profession this has been the worst experience that I have ever been through, had this been someone that was n't familiar with the process it would have been even worse. At this point I feel that they are dragging their feet to deny my loan because of all the error 's that I have pointed out to them.
Consumer complaint received 2017-08-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

I was working with Webster bank on securing a mortgage loan. I locked in a rate of 3.75 % on XXXX XXXX, XXXX. Throughout the process, we tried a few different loan options, and ended up with a conforming loan for XXXX, and a separate HELOC loan for the remaining amount. Closing was set for XXXX XXXX, XXXX. I was sent a disclosure on XXXX XXXX, XXXX for the conforming loan, with the rate changed to 3.875 %. I brought this difference up with the bank, and they claimed the rate was slightly changed due to the different loan options. At .125 % difference, I decided to drop the issue. On XXXX XXXX, XXXX, 2 business days before closing, I received a closing disclosure for the side loan, with an interest rate of 5.42 %. This was a complete surprise. The last minute change gave me no time to rectify the issue, and I was forced to close with an interest rate that was not agreed upon and not disclosed ahead of time. I have tried to talk to the bank, but they insist that the loan lock did not apply due to different options, and that the disclosure did not need to happen for a different rate.
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (MO)

I contacted PHH mortgage on XX/XX/XXXX requesting an escrow analysis to be done because I was at 78.8 % loan to value. I wanted to start the process of removing the PMI to my monthly mortgage payment. I then recieved my escrow analysis and the company had made an error on the original loan to value ( which was {$170000.00} as of XX/XX/XXXX ), but the company had put the LTV as {$140000.00} as of XX/XX/XXXX, which then affected the overall LTV changing it to 94.10 %. I contacted them about this concern recognized there was an issue, but the customer service person could not just correct the issue without placing a help ticket. After 2 business days I logged into my account and noticed they had changed the LTV from the error of {$140000.00} to {$150000.00}, but again this is incorrect. I contacted them about this concern and still got the run around and was told I had to wait on the original help ticket and they would contact me within 5-10 business days. I still had not received a resolution so on XX/XX/XXXX I contacted the customer service about the concern they finally connected me to a customer rep in New Jersey who then placed another help ticket about the concern. He also pulled my scanned loan docs and could see that the original LTV was {$170000.00} and that a mistake had taken place, but was not authorized to make a change. He would have to wait until the help ticket was resolved. As of today I have sent another email in regards to this concern, I have not been followed up with from Phh Mortgage nor have they corrected the issue. I am very concerned with how to proceed forward. I felt as a consumer I needed to make a formal complaint about this issue. 
Back History : I had a mortgage escrow analysis completed XX/XX/XXXX. I was at 81.20 LTV. I have the documentation that was sent. I knew I was close to being at 78 % LTV in XXXX and that 's why I requested another analysis. On the XX/XX/XXXX payment my PMI would have been automatically removed. I have not refinanced the loan. I only did a rate modification in XXXX. I do n't understand how my LTV can just change.
Consumer complaint received 2016-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GRANITE STATE MANAGEMENT & RESOURCES (FL)

For 18 months now, since I began closely monitoring my loans, I have had to call my loan company ( Granite State Management & Resources ) almost every month due to misapplication of loan money. I try to make targeted payments to pay off specific higher interest loans, and many times they simply spread it across all loans despite my specifications given both online and over the phone. The last couple of months, they have adjusted the amounts paid slightly on my loans, and have actually increased my auto-debited amount without my consent. The amounts are negligible for just me, but if this is happening to many of their clients, they could be making a whole lot of extra money by slightly adjusting payments, most so slight that I imagine many people would n't notice. I 'm tired of having to call and call just to have them do the same thing again the next month. There 's no reason my auto-debit should ever be different.
Consumer complaint received 2016-11-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (MD)

Good Morning, on XX/XX/2016 I began the process to refinance my car through Exeter Finance Corp. I went on line and clicked the " get payoff amount '' on the website within my account window. I took the screen print of my payoff which was XXXX to my credit union. On the same day I completed the application fort he refinance of my XXXX. In XX/XX/2016 I noticed Exeter was reporting XXXX to my credit bureau. At that point I contacted Exeter an was told that the amount is under investigation and I should call back in a few days time. On XX/XX/2016 I received a letter from my credit Union indicating that they are still waiting for the title from Exeter so that XXXX ( my credit union ) can now become the lean holder. On XX/XX/2016 I contacted Exeter again and spoke to XXXX about my outstanding balance. She verified that I did have a have a 10 payoff time frame which was met and that she is not sure why I have a balance. I asked to speak to a supervisor and was transferred to XXXX. He indicated that my balance was still owed because I did not contact customer service via phone instead of acquiring the pay amount l via the internet. Next I asked him can he retrieve the amount I would have been quoted under the " pay off tab '' in XX/XX/2016. He said he has no way of accessing that information. that time. Lastly, on XX/XX/2016 my payoff became effective XX/XX/2016 however the process date was XX/XX/2016 which was told to me by XXXX a customer service representative at Exeter. As of today XX/XX/2016 I owe XXXX since this balance is accruing. I do not agree with Exeter 's decision to disregard my payoff amount generated via their website.
Consumer complaint received 2016-11-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (OH)

Obtained a car loan with GAP insurance from Wells Fargo in XXXX XXXX, XXXX. The car was involved in an accident and there was a total loss date of XXXX XXXX, XXXX. Prior to this date the account was NEVER late and paid on or prior to the due date. There was also GAP coverage through XXXX ( XXXX ) on this loan with Wells Fargo. During the wait for reconciliation of the loan balance payoff from XXXX XXXX and XXXX ; I made calls EACH month to inquire if a payment should be made on this account during this time because the account was showing " past due '' and late fees were applied. I was told " NO '' each time because the insurance companies had to make final payment. Each month the account was showing past due I called the company and was assured that the account was NOT being reported to the credit bureaus as such. XXXX paid out on XXXX XXXX, XXXX and the GAP insurance was finally processed on XXXX XXXX, XXXX but not applied until XXXX/XXXX/XXXX. This left a balance on the account, after adjustments of XXXX and a loan was obtained through Wells Fargo to pay the this loan balance in XXXX installments. 
Per several conversations with customer service and the office of the president ; I was told that the reason the account was showing at the credit bureaus as being severely late is because the GAP was terminated XXXX/XXXX/XXXX. This does not add up at all. Per my call to XXXX ( Gap insurance ) I was told that the coverage was terminated after the final adjudication of the claim via a letter dated XXXX/XXXX/XXXX. The GAP coverage was terminated after this because the loan was considered closed NOT in advance as was stated by Wells Fargo. 
My calls to Wells Fargo Dealer Services are rerouted and not being handled. I was told to fax information to the Credit Dispute department so they can review the issue but nothing has been done to date.