davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XX/XX/XXXX- Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XX/XX/XXXX to XX/XX/XXXXn still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XX/XX/XXXX They needed more time no commitment to when my decision would be made. XX/XX/XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XX/XX/XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XX/XX/XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being disabled -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction needed.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (NY)

Companies "  XXXX  '' and " AMERICREDIT '' have pulled a report on my credit without my authorization on  XXXX   XXXX ,   XXXX   from   XXXX   XXXX   to   XXXX   XXXX  , Corporation "   XXXX   ''  may  have authorized this credit report without my authorization on the website "  XXXX   XXXX  '', was swindled into entering car I was looking for and providing contact information, no where on the page did it specify credit reporting. "   XXXX   '' was contacted and claimed to have no information on my credit report inquire. Conversation recorded, pictures of website with no specifications of credit reporting filing present.
Consumer complaint received 2017-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I am filing a compliant on Wells Fargo for their deceptive, abusive and unfair loss mitigation practices. I have attached a formal complete for your review. I pray that Wells Fargo is made to do the right thing by granting me a loan modification.
Consumer complaint received 2018-10-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC (PA)

This GreenSky loan/line of credit is the payment method for XXXX XXXX replacement windows applied for in person with an XXXX sales rep. 
GreenSky did not provide statements of the loan from XX/XX/2018 until XX/XX/2018. Their paper statements and website encourage the use of e-statements, but I was told several times that their e-statement portal does not work properly. I was told statements will never be made available from XX/XX/2018-XX/XX/2018, that they do not have the necessary information. 
I had to spend several hours over 6 telephone calls attempting to get the account information I am entitled to and that they are obligated to provide. During this time, I also received a letter from GreenSky that my complaint had been closed since they were unable to reach me, although they did not try to reach me. I provided two phone numbers, a fax, and an email address. 
I can not recommend working with GreenSky for any reason. Terrible service flouting consumer finance guidelines.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-06-19
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Onity Group Inc. (MA)

This is not a debt collection issue, I chose this category as there was no option for this serious concern.
I 'm a   XXXX   XXXX   XXXX   who represented the buyer for a foreclosed property, the offer was accepted back on  XXXX 2017, the closing was to take place on  XXXX /2017. As of today  XXXX /2017 the transaction has not closed due to the lack of urgency by the sellers, the financial institutions involved, regarding a required document for the closing. Myself and the buyers attorney have made numerous inquiries, have received empty promises for action and as noted my buyer has now been waiting for nearly 6 months to close with no real or definite close date offered. The primary financial institution involved is Ocwen, I attempted to contact them on numerous occasion via phone but I found it impoosible to reach a live person Below is latest email indicating that latest promise of a   XXXX   close date will now possibly occur in late  XXXX .    <P/>   " Hi  XXXX , response received : so the review for them to do it has passed and now they are waiting on the document. It has taken Ocwen the time frame up front to know if they would sign it, and now they have the approval and we wait.
Not sure if your buyers want to wait until this date below to have the document received to record and or if they record when done, I wont know until either happens.
Sorry, wish I had more than this, but this was response received.
Please advise, Hi  XXXX , Unfortunately nothing at all yet. Theres a note by Ocwen that the estimated return date for the executed AOM by  XXXX  is  XX/XX/XXXX , so at best were still a few weeks out. I can follow up with Ocwen in a week or two ( although I doubt theyll have any information, but it wont hurt to try ). '' I obtained their corporate address as follows :   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX  , FL  XXXX  Phone : (  XXXX  )   XXXX    Website : www.ocwenbusiness.com
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$400.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I 've had a mortgage since   XXXX   and never missed a payment to date but there was a letter from the bank that stated I needed to pay {$50000.00} in  one  lump sum, but being  XXXX  with nothing more than social security I can barely make my regular bills so i have to get help from my  XXXX   XXXX   XXXX  mother so I applied for a home equity loan because the house is worth about {$300000.00} so i have {$250000.00} in equity and they have been stringing me along for 8 months having me re-fax documentation over and over with no decision on the extension of the loan, then they put information to the credit bureau stating that my payment are late making it impossible for me to go somewhere else than  Bank of America  so its like they sabotaged my probability of obtaining a loan period so the can take my house since there 's only {$50000.00} left on the house that would make their profit around {$200000.00} to {$300000.00} a pretty tempting business deal and I cant say for sure that its their intention but why would they hold me off since  XXXX  without a decision although they did deny the loan and I 'm in the appeal stage and faxing all that information again, so it makes me feel like foreclosure with no out so please help me
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Im a victim of identity thief someone got my information and used my credit cards and buy lots of stuff when I found out I called the company XXXX and XXXX to report the activity and I was still paying my bills until they closed the account and still wanted me to pay for something I didnt use
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (NC)

I applied to XXXX for XXXX, XXXX XXXX and XXXXXXXX XXXX. The background check company they used is reporting my License as Invalid and has wrong issue date. I was reissued a current license when i added Endorsements for XXXX XXXX job. I can not XXXX for this companies with wrong information.
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (MS)

I applied For a  Chase   XXXX  Rewards Card on  XXXX / XXXX /  XXXX  . It was requested via mobile phone and i was on vacation and out of service. Unbeknownst to me there was a reference number i needed to call to answer more questions regarding my Credit. Since I never saw the first response to my request i resubmitted for the card. After the second request for the card i called in to answer the credit questions per their message. They Claim that on my  XXXX  acct it shows that I have a monthly mortgage of $  XXXX  plus. There was a construction loan for this amount that was closed on  XXXX / XXXX /  XXXX   that was transferred to a mortgage and also a home equity line of credit. I called  XXXX  and they confirmed that their report shows that my monthly obligation is {$2400.00}. I spoke with numerous Chase agents and they maintain that their report reflects the $  XXXX  monthly obligation. Now I do n't even care about the  XXXX   XXXX   XXXX  but    Chase  has hit my credit twice and i do n't think they are reading the credit report correctly.
Consumer complaint received 2017-06-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HANCOCK WHITNEY BANK (LA)

On XXXX XXXX I applied for a cash out equity loan for XXXX. During the process of the application I paid XXXX Dollars for an appraisel report on the collaterialized property ; said property is unoccupied investment property. A 5per cent intrest rate was quoted by the loan officer that would expire on XXXX XXXX 2017.Ipaid the XXXX dollars to Whitney Bank on XXXX XXXX. On Thursday XXXX XXXX I was told by the loan officer the report from appraisal as property in " fair condition '' .According to loan officer the underwriter needed property to be in " average condition '' Today I was told { three days before my interest rate would expire } the appraiser would not update property from fair to average because utilities were not on. I was not made aware of these requirements for loan approval otherwise the 45 days that passed from start of loan application I would have had these requirements addressed.
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I 've been requesting a mortgage modification with the mortgage company Select Port Folio for several years. I finally received a modification/ assumption I made the first payment XXXX XXXX, 2017. I recently received correspondence from SPS stating they had not received my signed modification documents of which was sent back to them XXXX next day delivery.ThXXXX invoice for associations dues was forwarded to SPS and requested to be paid current as a part of the assumption/ modification. I have been given the run around with this mortgage company. I would appreciate your immediate attention in this urgent matter. Correspondence was also recently received stating they were referring my home to foreclosure as a result of the delinquency. They also stated they would not be applying funds received in the amount of {$2100.00} to the account. I would appreciate your immediate attention in this urgent matter. We also spoke with several SPS relationship managers I was informed I had to take Hud Credit Counseling. I 've owned several homes mortgages were always current. My ex-husband was responsible for the mortgage and he never paid it. See Attachments
Consumer complaint received 2024-01-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NV)

This account was first stated several years ago to be opened back in XXXX and this was removed from my Credit Reports due to Identity Theft and now XXXX years later has sold information to a collection agency and is saying the account was opened in XXXX. XXXX is using fraudulent tactics in order to collect from a debt that is not valid. This collection agency also has not reach out to me by phone, email or mail not XXXX single time and have reported this to all 3 Credit Agencies.
Consumer complaint received 2017-06-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On XXXX XXXX, XXXX, Specialized Loan Servicing LLC confirmed that the balance on my HELOC was {$0.00}. On XXXX XXXX, XXXX when my Title Insurance Company requested a written estoppel letter, Specialized Loan Servicing, LLC realizing that I was selling the home, now falsely represented that a balance of {$77000.00} was due and that unless I placed that into Escrow, I would be penalized by not closing the sale of the home. I have send numerous letters, third party authorizations, and they keep orchestrating the fraud because they know that at the end of the month, the Escrow may be released.
Consumer complaint received 2017-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (TX)

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt AD ASTRA RECOVERY SERVICES INC says I owe them. I am requesting proof that I am indeed the party AD ASTRA RECOVERY SERVICES INC has a debt with and that I have a contractual obligation to them that is binding legally in the court of law to pay them money. This is not a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you AD ASTRA RECOVERY SERVICES INC. At this time I will also inform AD ASTRA RECOVERY SERVICES INC. that if there offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX  ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark continues to be found or reported to any of my credit reports by AD ASTRA RECOVERY SERVICES INC. I will not hesitate in bringing legal action against AD ASTRA RECOVERY SERVICES INC for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My consumer rights attorneys and your legal staff will agree that non-compliance with this request could put AD ASTRA RECOVERY SERVICES INC in serious legal trouble with the FTC and other state or federal agencies. If AD ASTRA RECOVERY SERVICES INC is able to provide the proper documentation as requested in the following declaration which is A SIGNED CONTRACT BETWEEN MYSELF AND AD ASTRA RECOVERY SERVICES INC, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my attorney to file suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If AD ASTRA RECOVERY SERVICES INC fails to respond to this validation request by not showing a signed contract between myself and AD ASTRA RECOVERY SERVICES INC within 5 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that AD ASTRA RECOVERY SERVICES INC assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay AD ASTRA RECOVERY SERVICES INC. Any insurance claims that have been made by any creditor regarding this account. BILL OF SALE - WHICH IS THE AMOUNT AD ASTRA RECOVERY SERVICES INC PAID TO OBTAIN THE ALLEGED DEBT!
Consumer complaint received 2024-01-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (FL)

ACCOUNT NAME CAINE & WEINER COMPANY XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2017-06-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NATIONSTAR MORTGAGE LLC (CA)

Nation Star failed to correct the dispute I have on dispute against them for the amount they said I owed them back from XXXX 2016. ( please look my letter I did on regards ) Please look for reference CFPB Case # XXXX I spoke with at least 2 representatives from the Customer Relations Department back in 2016 .They promised me to assist me to resolve it and it wont be any late payment fee, instead I been receiving collection letters, Today after i seen Inspections fee ( never took place ) and a late fee on the monthly statement I contacted XXXX at his number XXXX, he said in order to remove those late fees I have to pay the month of XXXX XXXX. *I told him I will formally dispute this Ilegal Charge and all the late fees on regards I been paying from XXXX 2106 up to date, You company never contacted me to resolve it. *Further I requested him formally to provide me a original Copy of power of Attorney from XXXX XXXX to NationStar giving the right to service this deed of trust, He said he will provide me a copy of the deed of Trust, and he said is not any regulation to force them to provide me one.I advised him it wont be acceptable to me I have the deed of trust by the way anyone can have a deed of trust and trying to collect from them. Now in hand I have a Document an email dated XXXX XXXX 2016 from the same investor XXXX XXXX to me saying : " XXXX is the servicer ''. It looks contradictory what NationStar pretending in take a title/capacity perhaps does n't belong to them. I will like the CFPB regulator look into this matter because i believe something is not right. lets remember this Servicing company has fined per this federal agency : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-nationstar-mortgage-flawed-mortgage-loan-reporting/
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.