davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (MN)

I am currently fighting with shell point mortgage company about the foreclosure of my property, i called 2 times the week of XXXX/XXXX/2016, spoke to XXXX different representitives from this company. i wass assured by both repersentives that after the last {$1000.00} + {$1600.00} i had prviously sent in that there would be no other fees and i would not be in foreclosure. Only to find out on XXXX/XXXX/2016 that they returned the {$1000.00} and that there were infact more attornies fees, so now i am back in foreclosure and having to pay {$2500.00} to save my house from foreclosure. So when i called they said that the intial {$1600.00} i paid had infact been applied to my past due balance and that i still owed more money even though XXXX seperate representives stated that it would not be the case. it seems that they are gouging someone who is struggling to save their home. i am considering taking legal action against this company.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. 

Trans Union needs to report this account as settled, closed and remove the comment about it being in dispute.
Consumer complaint received 2024-08-09
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. (FL)

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.
Consumer complaint received 2016-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Security Credit Services, LLC (OH)

I have on all XXXX of my credit reports a collection account from this business. My first complaint is that I never received a notice in the mail from this business to validate my debt which is my legal right. XXXX I have done some investigation and I have yet to find that this business is licensed to collect in my state of XXXX. Original creditor was XXXX they do n't list a account number on my credit report
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

We have a mortgage with Benefical Finance XXXX We have been attempting to apply for a HARP mortgage because our interest rate with Benefical is 8.8 %. In completing the application for the HARP loan- XXXX discovered that Benefical has never recorded our mortgage payments with the Credit Bureau . In order to have the best credit rating possible, we were asked to have Benefical report our mortgage payments to the credit bureau. They refused, stating that is not their practice and that they would not do so. We need to have our mortgage reported in order to qualify for the HARP loan. I s there any way we can get Benefical to report our mortgage payments. Our mortgage payment is substantial and it would benefit us greatly to have it reported.
Consumer complaint received 2017-01-10
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: MARINER FINANCE, LLC (FL)

I paid in full XXXX and they were to report, per the attached email. They did not report the entire month of XXXX and they have reported every month prior to XXXX. And they finally reported on XXXX and did not show the paid account. They are ignoring my emails and phone calls. Even the local branch can not get a call or email about why they are not reporting the account with XXXX balance and paid in full date. I was turned down for credit because of this very account. It is the only negative that would keep me from obtaining credit. I want it removed in its entirety.
Consumer complaint received 2024-08-09
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. (CA)

Ref # XXXX Clarity Report for XXXX, XXXX XXXX THIS COMPANY REPORTING INFORMATION ON ME WITHOUT MY PERMISSION ALSO VERIFYING INFORMATION WITHOUT MY PERMISSION I ASK THEM TO REMOVE ANY INFORMATION THEY HAVE ON BE REMOVE I DO NOT GIVE CONSENT TO THIS COMPANY TO REPORT ANYTHING ON MY BEHALF THIS COMAPANY STOLE MY INFORMATION WITHOUT MY KNOWLEDGE ALSO EXPERIAN RELASED INFORMATION ON ME. NAMES ADDRESSES NUMBERS ID NUMBER DOB AND LOAN NUMBERS AND ANY INFORMATION LINKING ACCOUNTS REPROTING WITHOUT MY CONSENT UNDER 15 USC 1681A REPORTING INFORMATION IS CONSIDER VOILATION ON PRIVACY TO RIGHT 15 USC 1892
Consumer complaint received 2016-12-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

XXXX XXXX XXXX Per a previous CFPB complaint with Ocwen Loan Servicing, Ocwen raised an additional question that must be answered. Please provide a written response along with documentation to each of our questions. Ocwen Loan Servicing stated that our investor loan number is XXXX. Now, this investor loan number ( XXXX ) belongs to XXXX which is on a copy of our Note and Deed of Trust. This loan was created on XXXX XXXX XXXX with XXXX. Ocwen is fully aware that XXXX and all of its affiliates went chapter XXXX in the District of Delaware on XXXX XXXX XXXX, file # XXXX. This means that XXXX is not the investor any more and is a non-existent company. 
First, why did Ocwen fail to provide the current investor loan number as we requested? 
Second, what is the correct investor loan number? 
Third, what investor or company does this investor loan number belong too? 
Forth, the information that we are seeking is NOT proprietary and confidential but rather Ocwen Loan Servicing considers this information confidential. Since this information pertains to our loan, we are entitled to have this information. So, why is Ocwen Loan Serving failing to answer our entire questions in detail and provide us documentation as we requested? 
Fifth, the investor of our loan is NOT XXXX, so please do not provide XXXX loan number! If Ocwen does claim that XXXX is the owner of our loan, then we request documentation that this loan was sold from a previous investor to XXXX and not transferred or assigned which was done unlawfully by Ocwen Loan Servicing, claiming to be the assistant secretary for XXXX XXXX, per the Assignment of Deed of Trust dated XXXX XXXX XXXX. NOTE : Since XXXX XXXX is not the investor per the Deed of Trust dated XXXX XXXX XXXX ; XXXX XXXX can not legally sell, transfer or assign our Deed of Trust to another investor or company! A Deed of Trust allows the current lender to foreclose and sell the property if a person does not make their mortgage payments. Per documentation, an Assignment of Deed of Trust allows the lender to sell the loan to a different lender. A mortgage lender is the only person or company that can legally sell a mortgage and provide an Assignment of Deed of Trust anytime before it is paid off! 
Sixth, is Ocwen Loan Servicing aware of the fraud that has occurred with our Note/Deed of Trust? 
Seventh, due to the fraud that has occurred, is that the reason that no one that is affiliated with our Note/Deed of Trust will not answer our questions and provide documentation as we have requested? 
Eighth, is Ocwen Loan Servicing aware that a state or federal court order can be issued for Ocwen to comply and answer all of our questions under oath? 
Ninth, is a court order needed to have Ocwen Loan Servicing comply with our requests, answer truthfully and provide documentation?
Consumer complaint received 2016-08-11
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

i went to the branch at XXXX, NY XXXX I wanted to deposit {$1500.00} into my account - i needed it ASAP as i had to process payments but they refused to accept my deposit without ID. I asked them to identify me other way but they refused. I was not taking money - it was a DEPOSIT. I was really upset by the treatment and they did n't show me the policy that says so ... It was very humiliating experience. I 've been Chase client for more than 15 years and have numerous accounts but this treatment was unacceptable : by employee and branch manager as well.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2016-08-11
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc. (TX)

I purchased a gift card from a department store. The card was stolen from my car. I reported the card stolen on that same day and was able to stop the thief from using the remaining {$35.00} of the original {$50.00} limit. The issuing company is Blackhawk Network. They have done absolutely nothing to resolve this issue. I faxed all documentation to them on XX/XX/2016. I called numerous times to check on the status and was told it was still being worked on??? They also claimed to have tried calling me. If so, they left no message. I am certain this was a lie!! Today I received a letter from them stating I had not sent them requested information and they would not be taking any further action. I am attaching all documentation to show proof I submitted the claim form along with the receipt of purchase.
Consumer complaint received 2024-08-09
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. (IN)

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 2016-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Valentine and Kebartas, Inc. (LA)

The collection agency Valentine & Kebartas , Inc. which is located at XXXX XXXX XXXX # XXXX, XXXX, MA XXXX has repeatedly harassed me morning, noon and night. This company is collecting for XXXX XXXX. Although I have reached an agreement with XXXX, this collection agency continues to call me. I have also sent them a cease calling notification and file a complaint with the XXXX in MA. They call me from many numbers which are spoofed to appear that are within my state. Something has to be done, they are calling all times of the day and night. sometime they wo n't say anything but breathing loudly. They call and hang up many time as well.
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

My loan was transferred to PHH Mortgage Services in XXXX. My first payment was due XXXX/XXXX/17 with this new loan servicing company. I have not received ANY paperwork from this company so I went on-line the end of XXXX to sign up for Auto Payments. On XXXX/XXXX/17 I contacted PHH to get my account number ( which is required to enroll ) and was told they could not provide over the phone but would fax me my account number, even though they had no fax number on file ; I provided my fax number. It never arrived and I left town on business. Upon returning on XXXX, I again contacted them and confirmed my fax number ( correcting the associate several times with mistakes she was making when I asked her to repeat the number ) - again, no fax received with my account number ... My most recent attempt was today XXXX and I explained to the customer service person that my fax was an electronic service ( eFax ) which will provide a history that they did or did not send ; she FINALLY faxed my account number which I received before hanging up with them. I was told that the only person that could waive fees was a manager which I was told would call me back in a few minutes. This never happened. Now, with only a couple of days before payment is due, Making my payment by mail will not arrive in time and I can only subscribe to auto pay starting in XXXX so I am being forced to pay a {$7.00} fee for processing my payment. This would not have been necessary if my paperwork was handled properly. It is my strong assertion that this company puts their customers in a situation of paying fees above/beyond what payment is due as a course of doing business. At this point, I am looking for a refund of the {$7.00} service fee that I was charged. Thank you in advance for your time reviewing my issue. 
Regards, XXXX
Consumer complaint received 2017-01-11
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (CA)

On XXXX/XXXX/XXXX I was introduced to and contacted Prime Lending Mortgage in XXXX, XXXX. The loan officer I specifically worked with was XXXX. From the start all was well I did everything I was instructed to do in order to get fully qualified by underwriting for the FHA funding. This process of getting a payment installment agreement took about 6 weeks and I had to provide one letter from a child support agency. The problems started when I was instructed to pay the IRS {$200.00} per month when the actual agreement was {$100.00} per month. In short after being fully qualified in underwriting myself and y agent made an offer on a property. The offer was accepted and Escrow was opened with me putting a deposit of {$1000.00}. I was told to use my credit cards for the appraisal, home inspection and termite inspection. On XXXX/XXXX/XXXX i was emailed TRID Milestone was met and Closing Disclosure were ordered and I signed the same day.Things seemed to be moving forward smoothly via email but I never really spoke to anyone at Prime Lending after several requests for phone calls for guidance through this process. As we moved close to the closing date I began to get many questions that were very unprofessional. I have emailed requests for my sons birth certificate, social security card, receipts from XXXX up to XXXX, air flight tickets, motel room receipts and many personal items that had nothing to do with my loan already being fully approved in underwriting. XXXX specifically stated that my address was an issue and or credit when they had already approved me 50 days prior. This was a very unprofessional experience. I 've lost thousands of dollars in time and clients. This company lied to myself and the seller of the property and somehow had no solid excuse for denying my loan after being fully approved. In an email from XXXX it is stated that I will be fully refunded and so far I have not heard from anyone on staff and my calls or emails are not being responded to. My credit has been destroyed do to the instructions of this institution to close XXXX of my credit card accounts in which I later leaned was not legal or professional advise. Prime Lending in XXXX XXXX used an excuse of me having ownership in a property in XXXX XXXX XXXX that I lived in for 8 years as an excuse to say that why I was denied. I was not able to prove to them that the property was not mines nor should I have had to produce such documents when the lending company could have checked for themselves. There are so many things that happened that wronged myself and my rights that I can not put it all within this complaint but I am seeking legal information on how to proceed in filing a civil matter for discrimination.
Consumer complaint received 2016-06-22
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo bank discriminantly assesses fees and fails to adequately notify consumers of changes in their fee structures. My savings and checking accounts are being charged fees if I do not set up AUTOMATIC transfers, even if I make sufficient deposits to these accounts for the sums allowed for monthly fee protection. Banks should be required to recognize savings deposits whether made automatically or directly during a statement cycle and should provide more notice to consumer of upcoming changes in account terms beyond a checklist always included in monthly statements.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX XXXX XXXX XXXX, AND XXXX 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 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 XXXX  days before the payment due date. XXXX XXXX XXXX XXXX, AND XXXXNever Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-04-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC (TN)

i recently pulled my credit report and discovered that this company has reported that I owe them an un paid debt to. To my knowledge I have never entered into a contract with this company that would obligate me in any way nor have they provided me with any services or goods
Consumer complaint received 2016-04-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (FL)

Diamonds International, TD Bank credit provided 6 months same a cash and they are not honoring the documents signed. The purchase was made on the XXXX of the month and they are back dating the cycle to the XXXX. The XXXX is not the XXXX and it is n't 6 months as agreed to on the signed acknowledgement. They will not adjust the cycle correctly. This is not a fair practice and not 6 months.
Consumer complaint received 2016-04-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase bank switched one of my accounts from Savings to Checkings. In doing so, they failed to leave the overdraft protection that I had. Then they subsequently charged me overdraft fees. Chase is constantly finding ways to charge fees regardless of the numerous efforts I make to prevent this. They also rearrange withdrawals to justify overdraft fees.
Consumer complaint received 2016-05-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MO)

I have asked One Main Financial not to call my place of employment and yet they have on three separate occasions. The most recent was on XXXX/XXXX/2016 when my coworker again informed them that I could not receive calls at work. It is embarrassing and allows other people to know my personal business.