davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (FL)

My complaint is against the Service Debt Collector - Seterus Inc. Seterus has been servicing my loan for more than 10 years at 6.125 %. This property is located at XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX, is no longer my primary residence. My family and I have moved out of state and the property is now deemed income property and is occupied by a tenant. In early XXXX of this year I entered into discussions with a mortgage lender regarding HARP refinancing for this property. However, I was informed that prior to proceeding with the refinancing process ( which I pre-qualified for ) XXXX records related to my Private Mortgage Insurance ( PMI ) status needs to be updated. After contacting XXXX, I was informed that Seterus Inc. has to submit this request - ca n't not be requested by the loan recipient. Subsequently, I XXXX contacted Seterus Inc. on XXXX XXXX, 2015 ( see the attached complaint letter ) with no success. Seterus ' representatives have failed to return multiple calls or offer any explanation to the status of my request. I have not been required to pay PMI for years ( see the attached IRS Form 1098 ). I strongly feel that Seterus is deliberately ignoring my request due to the fact that the loan will be transferred to another lender. If my assumption is correct, worst case their practice is unethical ( if not illegal ) and consumer infringement. Best case, they have an extremely poor infrastructure upon which to address customers ' needs. After conducting further research, I was not overly surprised to find out that Seterus has been cited in a number of consumer complaints. I would greatly appreciate your assistance with getting this matter resolved.
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MN)

In XX/XX/XXXX we applied for a loan modification due to my husband 's unemployment and he had to have XXXX. US bank waited until XX/XX/XXXX to finally get back to us with less than a week for us to respond to their offer. The offer was reduced payments starting XX/XX/XXXX, but now husband is back to work and we do n't qualify for that. We tried several attempts to contact them. The woman that we are supposed to be talking to finally call us back and said she would fax a new form for us to apply for, but we have n't got. The deadline in XX/XX/XXXX We are willing to pay our mortgage, but we need help for the past months that we did n't have the income to pay it. It feels like they are playing games with us and setting us up to fail.
Consumer complaint received 2015-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

says i have home loans and credit cards out ... 
I have never taken a loan and i have never had a credit card and some info is wrong like my current address and employer ... 
I lost my job too due to my XXXX. 
Something has to be done.
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

I had a account with XXXX that was eventually sent to a collection agency, it has been on all XXXX of my credit files for over 7 years with XXXX collection agency and as of XXXX 2015 it had been resold to another collection agency and is being report as a new collection account on my credit file as of that date. The account should have been removed from my credit file in XXXX 2015 for good. The Collection Agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX and its for XXXX XXXX Account # XXXX for XXXX. I feel that the agency is unfairly putting fraudulent info on my credit report.
Consumer complaint received 2015-04-10
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

I had an Amazon store card. The card was sold to Synchrony Bank. Synchrony bank repeatedly failed to send me paper statements. I missed a payment due to lay off and they would call me in excess of XXXX times a day. I have since brought the account current but their relentless harrasment and terrible customer service and communication has caused me tremendous stress and anxiety.
Consumer complaint received 2015-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MA)

Every so many months XXXX XXXX places an account with a collection agency which is not my bill. I have requested over the years proof of this bill and it always ends up that they can not provide any. In the past I have filed complaints against the collection companies and I think the best action is to get XXXX to stop reassigning this account over and over. 
The company they have assigned it with this time is listed below and they seem at this point to understand after reviewing XXXX XXXX 's info on my account they refereed that something is n't right. 
I have also requested that the collection company send me proof of this debt via phone and email. The contact person at ERC is a XXXX XXXX at XXXXERC, XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I filed grievance with the federal agencies regarding the transaction of note with my servicer. They never addressed the mortgage broker fraud and appraisal fraud and the many regulatory and statutory issues that I submitted for their review. All they did was state, they serviced the mortgage properly and any issues with the transaction of the mortgage is to go back to my home builder. My home builder did not do the mortgage which they are servicing as an agent of the mortgage holder. Now they sent a letter of intent to foreclose. They never addressed one issue that I raised regarding my transaction of the mortgage. They failed and refused to do so. As a consumer using the grievance process to try and resolve with them has failed do to their refusal to even address one issue I raised. I have now sent copies of my letter attached to my State Attorney office and the banking regulatory agency of my state for help. I also sent letter to HUD and FTC and CPFB and Office of the Comptroller of the Currency. Hopefully these agencies will be involved to help me as a consumer regarding these serious issues raised and to be addressed to me as a consumer.
Consumer complaint received 2015-04-10
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

An auto-dialer operated by or on behalf of Capital One Bank calls my home XXXX to XXXX times a day looking to speak to my mother, XXXX XXXX. She no longer is reachable at this number and I called Cap One XXXX to ask that they stop the calls to XXXX. Both times I asked to speak to a member of their Compliance Department and both times the request was denied. All I get is their standard " talk off '' along the lines of " it could take XXXX hours for your number to get removed from our auto dialer ''. The calls keep coming and this bank is stalking and harassing me. For the CFPB 's reference, please note that the callback number that their robocaller " XXXX '' asks for a return call at is XXXX. This is the number I called XXXX to ask that they calls stop.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a XXXX account being reported on my credit report that does not belong to me. I have disputed this account with XXXX and received a letter from them stating that I did not authorize to be added on this joint account XXXX and should no longer be reported on my credit. I have forwarded this information to TransUnion to have it removed and they performed an investigation witch did not remove it from my credit report.
Consumer complaint received 2015-08-11
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC (NJ)

I did a payday loan, and was told after the loan was in my account I would get charges interest rates everyday the loan accrued interest, which sounds odd to me. I was laid off and called the company my account was placed on hold until I went back to work and now I am getting threatening emails, even with the account being noted it is on hold. I received this tonight, the loan was XXXX and I made XXXX payments of XXXX on the loanHello XXXX , This is an urgent notice. We have not received a payment on your past due account of {$520.00}. We understand that complications arise and we are willing to negotiate a settlement for your overdue balance. We have reviewed your account and are willing to settle the balance of {$470.00}. If you do not respond to this email immediately then we will move your account into further collection. Contact our Retention Department now at XXXX to avoid your account going into further collections. 

LAST CHANCE OFFER ENDS XXXX XXXX, 2015. 

For Credit/Debit Cards : Call us at XXXX to process a payment over the phone.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2015-04-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (LA)

I called and requested for my PMI to cease at 80 % but was told I could only get it to stop at 78 %. I then received a letter that stated " even though you have met the 5 year requirement your request to cease PMI is denied because your principal has to be lower thanXXXX but your principal is XXXX so you claim is denied. I had to look for a new company to refinance my loan because of this which put a burden on my family. I incurred cost of the refinance and paid more PMI than I should. I feel this was a tactic for Wells Fargo to obtain more intrest and fees.
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

No person on the phone would help me resolve this issue. I called XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I tried to get my free credit report from Transunion at XXXX.com because I had identity theft. Transunion sent an online message saying I had already received my free credit report, but this is not true the person at the XXXX phone number confirmed this. I had only ordered from XXXX last year. So I was forced to pay {$18.00} for XXXX days on XXXX/XXXX/2015 which should be free for XXXX days. They will not refund that money
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (CA)

I have attempted to dispute a charge off with XXXX XXXX, I have spoken with what they stated was the presidential office with a woman named XXXX. She explained to me that the charge off happened three days previous, XXXX and continued to tell me to deal with collections. She offered no support and when I was sent to the collections number, they did not have my account on file, thus I was never notified about this debt/charge off and now they are refusing to attempt to remedy the situation. I do not have any records showing I had a balance as I presumed the account was closed. Thank you for your help. 

XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report.
Consumer complaint received 2015-08-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

Hi, My name is XXXX XXXX and I have a an issue with Frederick J. Hannah and Associates where they alleged intimate clients to sign a statement to pay them money on a debt that they do not have the right to do so. Also, presenting false affidavit to the court and saying that they are representing XXXX XXXX credit company to collect money from me. Last year the attorney presented this information to the courts in XXXX XXXX and seek a judgement against me. On XXXX XXXX, 2015, I received a letter from them that they have filed a garnishment on my wages with the XXXX XXXX XXXX XXXX and my employer. The Case Number for the Garnishment is XXXX. I need help quickly as to what shall I do to keep them from garnishing my wages. I have seen so much information on the internet where they was lawsuit filed on them by CFPB due to the Hanna firm relies on deception and faulty evidence to drag consumers to court and collect XXXX of dollars. Also, Intimidating consumers with deceptive court filings in collection suits that are signed by attorney when in fact the lawsuits are the result of automated processes and the work of non-attorney staff, without any meaningful involvement of attorneys. I need something in writing to take to the courts that this law firm is not suppose to be collecting money from consumers like myself due to they are in violation of certain codes. My email address is : XXXXXXXXXXXX.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Now all over a sudden they produce a XXXX merge report with XXXX score now XXXX points lower since yesterday. Unreal. XXXX I 'm speaking of. I noticed that they are not all on the same sheet of music when it becomes to reporting my current good stand revolving accounts. I need an explanation from XXXX on how can I go from XXXX to XXXX in one day with no explanation ... I have made no inquiries and no transactions. This is crazy ... please investigate all XXXX to find out what they are doing.
Consumer complaint received 2015-05-15
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (NC)

We have been consistently XXXX month behind and were contacted by our mortgage company to refinance ... my husband submitted all paperwork and got the rate locked in and in the truth in lending, etc., we were given the estimated closing costs. Our closing date was supposed to be this week. My husband was contacted Wednesday and was advised that person was no longer with the company and that paperwork was missing ; the closing date was now going to be moved ; we had to provide duplicate information ... including confidential information that was ALREADY provided ; and that the information we were given was incorrect and that we would now have to make XX/XX/XXXX payment and the closing costs were now approximately {$6000.00}! We feel this was a bait and switch and they should be held to the contracted amount in the paperwork that has been signed and submitted.
Consumer complaint received 2015-05-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Allied Collection Services, Inc. (Nevada) (NV)

Debt being reported as an open collection despite the fact the debt was included in bankruptcy. Company was notified XXXX XXXX, 2014 of this fact and was provided case number an copy of filing which included this debt in the bankruptcy proceedings.
Consumer complaint received 2015-05-14
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Patrick K Willis Company Inc (TX)

My mother is in debt regarding her vehicle. " XXXX '' " XXXX XXXX '' from XXXX has called my home and cell numbers repeatedly. They have called MY NEIGHBORS to ask if they know my mother and why she is in debt over her XXXX vehicle. This is an embarrassment and violation of sharing information with a XXXX party. When I called and told them to stop, they called me back and harrassed me further to talk to my mother. I asked them for an address for his business. He refused to give it. I asked him for the phone number from which he is calling. He refused to give it. He continued to ask to speak to my mother. I stated he was in violation of law for continually calling me and for contacting XXXX party people and sharing information about my mother 's debt. When I continued to repeatedly ask for his address and phone number he hung up
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (SC)

I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Equifax however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Equifax and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Equifax and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection.
Consumer complaint received 2015-04-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (AZ)

. I have been trying to work with Citi mortgage to obtain a loan modification to stay in my home. However they have not been willing to help me. There service department has lost my file XXXX different times and claimed that I never started a loan modification. They have issued me just in the last seven months XXXX different customer support specialist ( XXXX XXXX ) Which would not return my phone calls and would not return email in a timely manner. Out of the blue they pulled her out of the case and then we got ( XXXX XXXX ), which seemed to be very kind, understanding, and very accommodating. With XXXX, over the last several months we were able to get all of the documentation to her in order to complete the loan modification. XXXX indicated that she has submitted all the paperwork to underwriting department. XXXX gave me the reassurance that she would do anything that she could to keep me in my home. Citi Mortgage went ahead again and switched customer support specialist to ( XXXX XXXX ) which will not return our phone calls or emails. I have called her everyday, I was lucky one day and she actually picked up the phone. She asked my information and my loan number, as soon as she identified who I was she stated that she was on the other line. It has been over a week and I have still have n't heard back from XXXX. I just received a letter from XXXX and XXXX, which is a firm that has been retained to conduct a non judicial foreclosure sale. I am absolutely shocked, I was just told thirty days ago that all of the paperwork that I submitted looked very good and they were going to do anything to keep me in my home. Now my case has been sent over to a law firm for foreclosure proceedings. I know this is definitely against the law, and they are commiting fraud. they have not tried to help me, they do n't communicate with me, they keep switching my file around to different individuals within the company with no resolution.
Consumer complaint received 2015-10-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northstar Location Services, LLC (CA)

XXXX XXXX of Northstar Location Services ( XXXX ) is continually calling our phone number looking for my sister in law stating they are collecting a debt. We do not know how they got our number & my sister in law knows nothing about this. I e asked them to stop calling, to remove our number to no avail. I looked the company up & I see XXXX complaints. Please do what you need to do to shut this down asap!