davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNTS : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and fraud. I attempted opted out of pre-screening on the XXXX of XXXX, and suddenly I could not gain access to Experian to check my credit report. I tried to open an account with creditchecktotal to see all of my credit reports and was not allowed to do so. I then attempted to see all XXXX reports on XXXX 's paid credit monitoring service that I pay for each month, and once again I was not allowed to view a tri-merged report. I contacted Experian and was told that my social security number has an alert on it and I will not be able to access, view, or dispute any items on my credit report from Experian. When I inquired as to how long I was told that there was no answer that could be given to me. I have been locked out of my account for 3 weeks now with no method of relief or appeal to dispute financially impacting negative items and inaccurate information on my credit report..
Consumer complaint received 2015-07-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: IQOR US INC (NJ)

Allied Interstae has received my debt from XXXX ; however my debt has been formally disputed to XXXX prior to being sent to collections and XXXX did not validate the debt based on Fair Debt Collection Practices ActAllied Interstate is in violation of Fair Debt Collection Practices Act by communicating with me and further attempting to collect on a disputed debt in which has not been validated
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2015-06-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION (CA)

I purchased a XXXX XXXX around XXXX that was financed throughthrough Lobel Financial. Shortly after purchasing the vehicle it began to havemajor mechanical problems. I went back to the dealer who would not help me. 
My ex-husband took the vehicle to his mechanic without my knowledge. Thismechanic did work on the vehicle that cost more than what the vehicle wasworth and I did not authorize the work. I could not pay for this. I called Lobel financial and let them know whatwas going on. I gave them the information for the mechanic. They did n't want tohelp me either. They told me I was still responsible. I told them I could n't payfor a vehicle that I did n't have. I asked about lemon laws. No one would help me. 
I received several threatening phone calls from Lobel 's reps. They finally toldthat it would be charged off on my credit against me. Now XXXX years later, I goto purchase a vehicle and I am told that Lobel is showing XXXX days past due andthat this is effecting my credit rating. I have called Lobel and even gone into thebranch to try and get this resolved. They gave me the phone number to theirattorney ( XXXX ) XXXX who I have called and left messages for with no returncall. I do n't know what else to do.
Consumer complaint received 2015-07-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Failure to disclose investments. related cases are XXXX, XXXX, XXXX. " I '' XXXX XXXX XXXX have Assets, Investments, Securities and other personal and real property and co mingled Personal Fortunes. This includes Cash, Jewelry and other Assets which are stored in XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX. Citizens Bank ( formerly XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX to XXXX Safety Deposit Boxes. The City of XXXX, various Federal and State of XXXX and XXXX. These Entities should have Vested interest when these Boxes are opened as they are included in shares of the wealth of my Personal Fortunes as described with other additional instructions and information left in the Boxes. My sister XXXX XXXX XXXX, now of XXXX, XXXX was granted access under certain Terms and Conditions and has shares of the Assets if she performs per the signed Agreement. This was Signed in 1979 and the Agreement authorized by all Parties. This and other Agreement meetings were held from XXXX through XXXX of 1979 at XXXX XXXX XXXX in XXXX, XXXX. As best as described, a " Letter of Performance of all Parties '' was left with XXXX XXXX XXXX XXXX XXXX, all Parties, Myself-XXXX XXXX XXXX and XXXX XXXX XXXX have to be present when " I '' XXXX XXXX XXXX or XXXX XXXX XXXX or other Parties initiate the opening of the Boxes.
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

My mortgage company ( Wells Fargo ) only uses one appraiser ( XXXX ) to establish the value of my home for the purposes of cancelling PMI. They do not allow the use of any other appraisal company. Wells Fargo contends that XXXX is an independent firm although they are both owned by the same parent company. XXXX ' evaluation of my property value was deliberately based on the lowest value comp in their appraisal and I believe is instructed to do so by Wells Fargo. This seems to be a common issue with Wels Fargo and XXXX. I draw your attention to a pending suit filed by the City of XXXX XXXX for this same reason. XXXX
Consumer complaint received 2015-07-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I contacted Toyota Financial Services when my account was XXXX days past due, attempting to make the remaining portion of my monthly payment on that day to avoid my credit from being affected. However, due to Toyota 's inability to date my payment by phone for the same day, the only option given to me was to date it for XXXX days later ... .the earliest possible date it would reflect as posted on my account. I disputed the credit mark directly with Toyota and through the credit bureaus, but it has not been removed. This now impacts my ability to afford the purchase of a home for my family at a reasonable rate. 

I was a good customer and appreciated the overall service received. I paid the loan off in full, and this one instance was the only time the account went over XXXX days past due throughout the duration of the loan.
Consumer complaint received 2016-01-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery Associates is a debt buyer/collection agency. They have listed themselves as a debt buyer on all XXXX of my credit reports but under the status section they state that this collection account is past due as of XXXX 2015. They appear to have provided incorrect information in an effort to " park '' themselves on my credit reports. I do not have any accounts with these people. It appears they may have taken information from an original creditor and attempted to make it their information. This is deceptive reporting practices and they have no right to claim that I owe them when I have no contract at all with these people.
Consumer complaint received 2015-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NE)

I sent in my XXXX paperwork to Caliber Home loans. I continue to get letters saying that they need all the required documentation. When I asked what specific documents that still needed they continue sending the same letters asking to get the required documents. I currently do n't know what the status of my mortgage account is after requesting to start paying on account to get current again.
Consumer complaint received 2015-12-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc. (CA)

A representative called me from ARA INC stating that I owed a debt from XXXX XXXX and that they were going to sue me if I did not pay them {$16000.00}. I did not know about this debt, so the representative said he would transfer me to the fraud department. After sitting on hold for over 10 minutes, I call back the number that called me ( from the caller ID ), talk to the rep again and he then transferred me again. The man that answered said the debt was from 2005 ( over 10 years old ) and said " You must have been transferred here because you do not want to pay ''. I said if this debt is from 2005, it is over 10 years old and is a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ) so he can not report it, nor can he sue me for it. He said he was from a legal firm and would see me in court and hung up.
Consumer complaint received 2015-07-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Receivables Performance Management, LLC (CA)

I had been paying off my XXXX bill after I switched phone carriers. I was paying what I could and I would receive new updated billings. Then, without notification my balance due of {$140.00} was turned over to debt collector. 
As someone who was paying off as much as I could and making progress I feel that it was wrong to turn this over to a debt collector. 
XXXX XXXX ( XXXX ) XXXXXXXXXXXX
Consumer complaint received 2015-07-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

In XX/XX/XXXX, I entered into an agreement for a FHA loan to purchase XXXX XXXX, XXXX, OH XXXX. My monthly payments were suppose to be {$420.00} per month but were raised to {$790.00} per month. I paid this amount for approximately 43 months when my employer downsized. In XX/XX/XXXX, Fifth Third Bank began foreclosure against me without following the regulation at XXXX CFR XXXX. While I can not make the {$790.00} payment, I 've tried in vain to include XXXX XXXX income as a part of my household and restart the mortgage. Fifth Third has refused to help me.
Consumer complaint received 2015-07-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

On XXXX XXXX, 2015 I filed for a chapter XXXX as a result of my lender instituting foreclosure procedures. My home was scheduled to be foreclosed on at the courthouse steps on XXXX XXXX, 2015. As a result of the filing it halted all proceedings from debt collectors, attorneys etc. After informing by lender of this filing they asked me what where my intentions with the property and I informed them that I wanted to keep the property and just catch up the missed payments. The bank informed me that i couldnt pay what was owed because it showed that the home had been foreclosed on until the foreclosure status on my account had been removed I could n't pay on it, pay what was owed, do a workout option or anything to move forward. I was told that the sale had to be resended and then I could move forward. That was XX/XX/XXXX and now we are XX/XX/XXXX and we still can not move forward because it is currently showing that property was foreclosed on and it hasnt been removed from there system. I now owe more which is not fair making it more difficult to work out something with my lender and catch up due to internal operations and lack of due diligence.
Consumer complaint received 2015-12-29
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Atlanticus Services Corporation (TX)

I took out a loan ( {$480.00} ) with Fortiva XXXX company for an iphone that was merged with XXXX company. The loan was for 6 months at {$35.00} per month beginning XXXX/XXXX/2015. I made my payment through my online banking system XXXX ( XXXX XXXX XXXX XXXX XXXX, the online banking sends a check ( check # XXXX ) was mailed to Fortiva XXXX in the amount of {$100.00}. The address mailed to was XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Fortiva company cashed the check and it cleared in my bank account on XXXX/XXXX/15. Company sent a text on XXXX XXXX, 2015 saying that my payment was due on XXXX/XXXX/2015. I contacted the company on XXXX/XXXX/2015 and spoke with representative XXXX, and informed him that my payment was sent and check cleared in my bank on XXXX/XXXX/2015. He asked me to fax a copy of the check that cleared in my account. I faxed a copy of cleared check to Fortiva Research department fax # XXXX immediately ( XXXX/XXXX/2015 ). I followed up with a call to make sure they received my fax. They confirmed that fax was received. I followed up a few days later again, and representative told me that it 's still in payment research. Today, XXXX/XXXX/2015, I received a call from the representative saying that they did n't receive payment and it 's past due. I spoke with supervisor XXXX XXXX and he assured me that this issue will be cleared up in a day or two from him personally and he will give me a call back. I 'm filing my complaint now because I read online that someone else had the same issue with Fortiva XXXX and they have ruined their credit. I 'm taking precautionary measures before this is reported on my credit account.
Consumer complaint received 2016-01-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau Services, Inc. (WA)

Wrong amount has been posted on their notice of letter stating that I will be responsible for the items I 'm not familiar with. Though, I sent out a letter to resolve this credit since It is hard for to pursuit the identity theft and most of collection agency disregards this and keep posting this charge under my credit line and what 's even worse than this is they are trying to charge me even more to settle this debit
Consumer complaint received 2015-12-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IN)

According to the date stamp on photos, as well as data on documents sent to me, which were received by me on XXXX XXXX, 2015, on XXXX XXXX, 2015, XXXX XXXX, a home valuation service, working on behalf of Chase, submitted to Chase falsified documents, stating that my home is vacant. It is my belief that Chase intends to use these documents to speed up the process leading to foreclosure. My home is certainly not vacant, and any XXXX of my neighbors, friends, and relatives are willing to testify to that fact. I respectfully request an independent investigation into Chase and their activities in this regard.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I am on a pre loan modification plan requiring me to make payments by the beginning of each month beginning XX/XX/XXXX. I made the payments beginning XX/XX/XXXX on time but the mortgage servicing company says I am a month late and they turned down my request for a loan modification. I sent them documentation of the payments cashed by them before the due dates. They have done nothing to correct the problem, reverse late fees, and restore my loan modification request.
Consumer complaint received 2016-02-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF THE WEST (VA)

I had an account with Bank of the West a few years ago. There security fraud department contacted me because they seen a computer system from XXXX trying to access my account. They stated that I had a mobile banking set up on my account and I did not. The security/fraud department contacted me four different times. They allow a payment to post to my account and then it was return as fraud and it caused my account to overdraft. They billed my account and closed my account after I told them I did not have mobile banking and they allowed the transaction to complete. The amount was around XXXX and this had negatively impacted my credit. I was billed for a security problem in there system and it 's not right that this was allowed to happen to me.
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I applied for assistance in saving my home with Select Portfolio Servicing my servicer. They denied me on XXXX/XXXX/XXXX. I have an attorney helping me with the paperwork and they filed an appeal for me on XXXX/XXXX/XXXX. SPS sent me a letter on XXXX/XXXX/XXXX stating they received my appeal and they would respond to me within 30 days. I then received a denial of my appeal on XXXX/XXXX/XXXX. The problem and illegal action for which I am complaining is that SPS recorded a Notice of XXXX against my property on XXXX/XXXX/XXXX. According to my attorney, RESPA Reg X ( 1024.41 ) States no foreclosure action shall be ordered while a borrower is under an active review for loss mitigation. My appeal was not yet denied and I had not cancelled my request for appeal or review. The fact that they recorded a notice of sale on XXXX/XXXX/XXXX, which is 6 days before I was denied, is against Respa Regulations. In addition the denial letter makes no sense and basically confirms that they could appprove an affordable payment that is below XXXX % of my income. It also confirms they are using the wrong interest rate for my review. My current interest rate is 2.75 %. However, as you can see in the letter they are using my contractually due interest rate of 7.75 %. This is not how the guidelines are written. The review must use the current interest rate of the loan and not the interest rate of my loan from XX/XX/XXXX. SPS is basically just making up excuses and at the same time dual tracking my foreclosure. PLEASE ENFORCE RESPS REG X. What is the point of having Respa regulations without doing anything to enforce it. This CLEARLY shows on XXXX/XXXX/XXXX they confirmed my review was open and under review ( See attached letter ). How can they record a Notice of Sale on XXXX/XXXX/XXXX? RESPA Reg X states that the only way they can order a Notice of Sale to be recorded is after the appeal is denied or after I have advised them I am no longer appealing the denial. I never advised them I was cancelling my appeal. There are no questions regarding the timeline. They simply violated Respa Reg X by fling the Notice of Sale on that date. My attorney tells me that every time this happens, the servicer simply does nothing and continues with the foreclosure. CFPB does nothing except collect information and then I lose my home. CFPB in my opinion should demand the servicer rescind the Notice of Sale and re- record it if necessary after the XXXX/XXXX/XXXX date. Otherwise I am advising both CFPB and SPS that this home will be foreclosed illegally and I will pursue all legal action to reverse and cloud the title after the foreclosure if the Notice of Sale is not rescinded and re-recorded legally.
Consumer complaint received 2015-07-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GMA Investments, LLC (IL)

XXXX XXXX calls from Summit Receivables at least once-twice a week. I do n't know what this debt is, but I receive calls from an unknown number from her and then XXXX from her XXXX on XXXX XXXX from a XXXX number XXXX and XXXX from her on XXXX XXXX from a XXXX number XXXX. In all the messages she leaves she says, " I 'm calling in regards to a file we have in your office ... ..trying to reach you in reference to this file. '' The message is very vague and then she wants me to call her at XXXX which is not the number she calls me from.
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (WI)

We lost our home ( of almost 14 years ) to foreclosure XX/XX/XXXX called XXXX ( to whom we had been a loyal customers since XX/XX/XXXX!!!! ) to cancel our cable since we no longer had a HOME ( we were actually homeless XXXX, until my in-laws took us in )!!!!! We returned all there equipment & all of a sudden 6 months later they send us a almost {$700.00} bill to which half of that was the equipment we had already sent back over a year ago!!!!! First we lose our home to XXXX mortgage ( yes XXXX the big banks bailed out by our government promising not to foreclose on homeowners, what caring people they are NOT ) then XXXX is trying to ruin our credit for money we do not owe them!!!! Our XXXX dog XXXX is buried on our farm along with our XXXX cat XXXX!!! Was it not enough the home my husband & I planned on growing old in, the home the bank wanted us to pay {$160000.00}. But instead of working with us they foreclosed & turned around & sold it XXXX what a slap in the face!!!! 
The hardest thing was my children lost there childhood home they grew up in, as far as I am concerned these big banks are criminals right along with XXXX!!!! 
So here we are starting all over again. I will be turning XXXX years old my next birthday!!!! I will be a senior citizen starting all over how do we recover from that? 
What do they think this does to a persons mental state of mind!!!! Treating people like we are nothing more than a piece of garbage & not just taking our homes but taking our pride & self worth from us!!!! Not XXXX these banks was held accountable for what they have done to us, as well as many other home owners!!! 
But no they just let these banks get away with it!!!!!