davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: McCalla Raymer Leibert Pierce, LLC (GA)

XXXX TO CASE : Case number : XXXX Involving XXXX XXXX XXXX process attorney McCalla Raymer LLC .MCCALLA RAYMER LLC FORECLOSURE MILL ASSEMBLY LINE, McCalla Raymer , LLC ( hereinafter " McCalla Raymer '' ) is a law firm incorporated in the state of Georgia , their principal place of business is XXXX , XXXX, XXXX. McCalla Raymer acting for and on the behalf of its ' clients XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX has instituted and pursued non-judicial foreclosures of Georgia Security Deeds against the property of Plaintiffs described above with full knowledge that it lacked authority to do so, and has imposed similarly illegal foreclosures upon XXXX of similarly situated residents of Georgia. Defendant continues to prosecute XXXX such foreclosures against citizens of Georgia. XXXX XXXX XXXX ( hereinafter " XXXX '' ) conducts business as an electronic loan registry for the mortgage finance industry, their principal place of business is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXReported Lender : XXXX XXXX XXXX, XXXX. ( hereinafter " XXXX XXXX XXXX '' ) is a federally chartered bank, their principal place of business is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
MCCALLA RAYMER LLC FORECLOSURE MILL ASSEMBLY LINE, XXXX XXXX XXXX XXXX ( hereinafter " XXXX XXXX XXXX '' ) is a XXXX XXXX, incorporated in XXXX, which owns multiple companies, each of whom provides some aspect of foreclosure, bankruptcy, loss mitigation, and loan settlement processing service, tax examination, title search, and other document management services. XXXX ' companies provide outsourced foreclosure processing services in XXXX states and bankruptcy processing services in all XXXX states. 
XXXX XXXX XXXX, XXXX ( hereinafter " XXXX '' ) is a private equity firm, incorporated in XXXX, who owns XXXX of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX 's principal place of business is XXXX XXXX XXXX XXXX, XXXX XXXX. 
WHEN BANKRUPTCY FILED, ATTORNEY REPORTED MCCALLA RAYMER LLC WILL FILE SOMETHING CALLED CONTESTED MATTER TO RETURN TO COURT TO DISMM WHAT THEY CALL MOTION FOR RELIEF FROM AUTOMATIC STAY.THIS NEED NOT OCCUR AND BE TERMINATED IF IT HAS BEEN FORWARD. OTHER DOCUMENTS OF FRAUDENT STATUS HAVE BEEN RECOVERED AND ALSO CONVERSATION WITH ROBO SIGNERS HAVE BEEN ESTABLISHED RELATED TO XXXX XXXX XXXX PAST XXXX AND MCALLA RAYMERS ASSOCIATES. CURRENTLY RECIEVING PREMISSION AND NOTARY STATEMENTS TO RELEASE THESE DOCUMENTS.
Consumer complaint received 2015-07-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

My mortgage servicer was accepting payments from me up until XX/XX/2015. I was also trying to catch up on my late balance from when I was working and had no other income. They sent me XXXX checks back and said my mortgage is in default and they have stated foreclosure proceedings. Why ca n't I continue to make payments to try and resolve this issue? I do not want to lose my house. If I had the {$6500.00}. plus to give them immediately, I would. I am searching for other options, such as retirement money or a loan from somewhere. I want to pay them. Can you help me, please???
Consumer complaint received 2015-04-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Stallings Financial Group, Inc. (GA)

The XXXX medical bills that are open collection on my credit report are false. I included ALL my medical bills into my bankruptcy. The dates that they are giving are false. These XXXX account were open way before my bankruptcy. Which is like a year or two before my bankruptcy. If I am force to get documents then I will begin getting the paper from the doctors office showing when the account were originally opened. These company 's should not be able to just keep renewing the old accounts so that they continue to stay on someone credit file and be eligible to keep harassing people after a bankruptcy.
Consumer complaint received 2016-03-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NY)

Requested assistance on a modification for Making Homes Affordable program due to foreclosure sale date XXXX/XXXX/2016, denied stating documents were not received 15 days prior to sale date, when complete package was submitted to lender same day as third party authorization which was XXXX XXXX, 2016 ( 20 days prior to sale date ), spoke to rep on XXXX XXXX stated on TPA on file. informed rep how do they only upload XXXX document out of many, Sale date approaching fast, rep informed me if complete package send again. Re faxed modification documents again on XXXX/XXXX/2016, rep stated on documents uploaded to Mortgagors system on XX/XX/XXXX, it took 5 days to upload documents submitted for modification. Informed rep that is not acceptable and can not fault client when it was there systems that delayed the process as originally was sent on the XXXX/XXXX/2016
Consumer complaint received 2015-04-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P. (TX)

This account was opened in XXXX of 2008. In XXXX of 2008, I was XXXX years of age, unable to legally sign any contract, or incur any debt. I have repeatedly asked XXXX, as well as their Collection Agency, " LVNV Funding, AKA Resurgent Capital Services '' to delete this file, and report the deletion the the Credit Reporting Agencies and they refuse to delete the negative information. This is negatively affecting my credit, as well as potential employment.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (WI)

I have applied for Wells Fargo XXXX and I was told by a rep, that each point I earn on the card I would be able to redeem for XXXX cents per point. When I log in into my account I see only redemption for XXXX cents. i called numerous times about it, but every time I 'm told bank is looking into it and they have created case # XXXX. No other updates at all.
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

During a period between XX/XX/XXXX-XX/XX/XXXX I was required to visit the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. At the time I was without any form of insurance, and applied for and was approved for what was then termed " XXXX XXXX '' which was sponsored and paid directly by XXXX for uninsured, low-income patients. However, the application was apparently mishandled and the information never properly submitted, so I now have multiple negative credit items reflected on my credit reports ( for several visits, but all covered by the submitted XXXX application at the time ) Due to the manner in which billing is done at the medical center, these negative items are being reflected as different credit items from several departments, and none of them acknowledge or notate the approved XXXX XXXX assistance by XXXX. The items listed and in need of removal include the following : XXXX $ XXXX XXXX $ 76.00XXXX XXXX $ XXXXXXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXXMy credit score is at least XXXX points lower than it should otherwise be as a result of the failure/refusal of XXXX and the credit bureau 's to remove the items covered by my XXXX insurance.
Consumer complaint received 2015-09-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX, 2015 I had an appointment at the Bank of AMERICA ( BOA ) to acquire about Loan to purchase a new car since I am living in Texas unable to maintain my Medical appointment at the XXXX XXXX XXXX, Texas or visiting other Physician at XXXX clinic. including shopping for food. Going to Church I have found out that XXXX has denied my credit based on Information according to XXXX.. Saturday XXXX XXXX, 2015 I went to XXXX XXXX to purchase a XXXX XXXX I found out the same issue regarding XXXX and XXXX keeping record on me. A company that beneficial from the TARP money and was prosecuted by the USDOJ for Discrimination against minorities for loaning at a higher rate.gestapo keeping record for the next train to XXXX in XXXX WHEN ITS COME TO MINORITIES.
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

The statue of limitation has run out on XXXX accounts under my report with Equifax. Both accounts were opened in XX/XX/XXXX. Equifax is refusing to delete them even though I have not paid any $ on this account since XX/XX/XXXX. Equifax is saying the XXXX years starts over once I disputed both accounts. I just disputed accounts in XX/XX/XXXX. Equifax states that the XXXX years begins from XX/XX/XXXX.
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My husband and I are attempting to refinance our home. The mortgage broker sent us our credit scores and mine came in very low. We just got a free credit card report on from one of the companies that the broker gave us which reflected my lowest score. On the account we just received in 7 years for XXXX records there was actually just XXXX issue in question. And I am trying to find out more about it. But frankly to penalize a citizen in this way for XXXX issue seems outrageous. Here is a list on the brokers report of my so called transgressions - none seem applicable. 1. Serious delinquency 2.Time since delinquency is too recent or unknown 3.Proportion of balances to credit limits is too high on bank 4. Revolving or other revolving accounts. 
All this because there may be XXXX account for a small amount of money to be disputed!
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. (AZ)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-08-14
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. (FL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : XXXX. Account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I believe that the XXXX credit bureaus are grading my credit report in a discriminatory fashion and allowing companies to add negative items that are inaccurate and are not being properly varified by the credit bureaus. Which has caused my credit score and report to suffer as a result. And, cause me hardship in my personal finances. Which has allowed lenders to disqualify me for different loan products, such as credit cards and home loans. So basically, it 's not lenders being discriminatory, it 's the credit bureaus. Because the are not making companies report adequate evidence to prove the the validity of the claims, which they would not do to other Americans consumers.
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (CA)

I opened an account with Amazon.com in XXXX XXXX for an Amazon Store Card through Synchrony Bank. I made a payment on XXXX XXXX, XXXX for {$100.00}, however, it was before the bank had produced my first monthly statement on XXXX XXXX. This satisfied my XXXX payment. The billing cycle is 28 days long, meaning the billing cycle should have gone from XXXX XXXX - XXXX XXXX, XXXX. Unfortunately, when I logged into my online account Today, XXXX XXXX, XXXX to make my monthly payment, I was shocked to see in large red letters " 3 Days Late '' at the top of the page. I never received a monthly statement explaining this error in arithmetic. When I called their customer service, I was told my payment had been set for the XXXX of every month, which I never consented to, was notified of, or was made aware of. Clearly, this was not the case when I made my payment the previous month, since there had not even been a statement made available yet. The customer service representative removed the {$25.00} Late Fee that was charged to my account, however, it will still appear on my credit report as a late payment.
Consumer complaint received 2016-02-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GEMINI CAPITAL GROUP, LLC (GA)

This is a debt that was purchased and then resold to XXXX companies that harassed me and later sued me and are now garnishing me for a debt in which I had a credit protection on my account in case I had stopped working. This debt is so old but being that it has been resold it it still alive. I tried to fight it stating I was not served the documents in questions ; however, the case was mute and my wages are garnished because of this.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (TX)

I have worked extremely hard to improve my credit ; however, it appears as though my efforts are in vain. Everyone hits a rough patch in life and I 've definitely had my share but I worked tirelessly to repair my credit. I made tough sacrifices but it seems as though I can not get ahead. My co-worker filed bankruptcy a few years ago and has a better credit score than me. I could have done the same but eventually someone stills pay for that " free get out of jail '' card. She just refinanced on her existing home with a lower interest rate because of her great credit score. In the XXXX XXXX of last year my credit score was over XXXX with many outstanding debt. I began to pay them down and focus on home ownership. Since I 've paid down most and been current on my debt I ca n't get my score over XXXX. A loan officer pulled my credit a couple days ago and here 's what it had to say : Serious delinquencies and public record or collection filed, too many inquiries last 12 months, Time since delinquency is too recent or unknown. Now to the credit of the bureaus I do have XXXX liens in which one was released. However, it 's the same information that 's been on my report for several years. The one that 's released has not been removed from my credit reports. To add insult to the injury I tried calling the bureaus. Have you tried lately??? It 's a joke!!! Credit Bureaus and Credit Reporting Agencies rank in what the top XXXX % of complaints yet they go unmonitored and unaccountable for information they report. My goal in life is to lend, not borrow and owe no man nothing! I hope the person reading my email do n't take offense. I 'm frustrated and disappointed that I 'm penalized because I tried to do the right thing by paying my debts. If I filed bankruptcy I would be in a better position. My co-worker is just one of many stories I 've heard. The message of it 's better to bankrupt than to pay up is being heard across America. Will someone take a stand and make these agencies be more accountable for the information they report and more accessible to the pubic?
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AL)

Springleaf Financial contacted the HR Department at my job multiple times and disclosed to them that it was regarding a debt. They even asked the HR Department to hand deliver the message to me. Now I am facing losing my position in the company and possibly my job. In addition, they call my office and cell number around 4 to 8 times per day every day. I never intended to not pay my debt. Medical circumstances have complicated my financial situation due to a XXXX.
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (NV)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my XXXX XXXX in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX XXXX  XXXX Account XXXX Date of Charge XXXX Amount : {$0.00} I have previously XXXX the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my XXXX XXXX
Consumer complaint received 2016-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I have been paying my student loan taken from XXXX XXXX XXXX XXXX XXXX on a timely basis since my loan went into repayment. Subsequent to graduation, I began making interest payments while I was looking for a job. Every payment I have made has been credited only to interest and there has been no principal accrual. The only principal posting shows up after I complained to Navient. The 2015 XXXX shows an interest payment this year that calculates over 15 % interest instead of the 6.8 % shown on the note. They are sending me an explanation, but when I look at the ledger, there is nothing that can justify this kind of posting. I believe they are using a system that is stacked to cause students to pay a higher interest on these loans over the lifetime of the loan. It just does n't seem like a fair way to repay a loan and I feel they have taken advantage of me.
Consumer complaint received 2016-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (MD)

After purchasing my home in XXXX of 2012 for a purchase price of {$230000.00} and an appraised value of {$250000.00} it was noted in writing that PMI would be dropped after XXXX percent of the purchase price was paid with a certificate of value showing the home had maintained it 's value, or automatically after XXXX percent of the originally purchased price was paid. 
I paid off XXXX percent of the purchase price and obtained a certificate of value, but unfortunately the certificate was prepared by the bank and it shows that my home is now worth only {$210000.00}. This can not be true since all homes in my community have increased in value since 2012, and the recent tax assessment of my home is {$300000.00}. I therefore believe the bank is showing a low value simply to prevent my payment from being reduced. My mortgage banker is Coldwell Banker Mortgage. I have attached a copy of my latest tax assessment for your records.