davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MORGAN STANLEY & CO. LLC (TN)

This complaint is necessary to involve the loan originator and debt owner in reviewing complaints #  XXXX  and #  XXXX .  Morgan Stanley  needs to exercise oversight of its loan servicers to ensure that its customers are treated fairly and respectfully, and to keep them from creating more risk than they protect. That is certainly the case here. Customers do not consume their homes. They are a necessity of life. Loan servicers do consume them.     I have {$70000.00} to {$80000.00} of hard earned equity in my property against the {$55000.00} total debt. That merits fair treatment and direct communication to resolve the issues. I have arranged the means but need reasonable deadlines and timely responses to requests for the necessary information have I needed. I need to be allowed to speak directly and consistently with someone in authority, not a call center.
Consumer complaint received 2018-03-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Onity Group Inc. (TX)

OCWEN LOAN SERVICING, LLC a Florida corporation XXXXXXXX XXXX   XXXX XXXX XXXX a Delaware limited liability Company XXXX XXXX XXXX ATTORNEY The above people are attempting an illegal foreclosure on my home, they used a a well organized plan to be avoid Civil Foreclosure suit use XXXX Deed of Trust assignment which has been rendered Void by various Courts to apply for Letters of Administration in XXXX Probate Court. Ocwen and Dependent Administrator filed eviction and Ocwen had XXXX failed attempts at house seizures and lockdown my house, I have XXXX little children. XXXX XXXX, ( XXXX no. XXXX and XXXX XXXX. XXXX ). XXXX XXXX XXXX XXXX XXXX case XXXX was heard on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is on appeal. to be heard on XX/XX/XXXX. BACKGROUND ON FRAUD XXXX XXXX CANCELLED. XXXX & Ocwen did could not foreclosure in XXXX yrs because the original loan documents were presumed lost, we challenged them on history payments for yrs, but suddenly Monday they fabricated payments. 
( we never applied for the loan, never received loan docs. XXXX canceled XX/XX/XXXX the loan ). no payments were made, no delinquent notice, no default notice filed or no foreclosure filed. Ocwen LLC tries to collect on canceled loan void Deed of Trust Assignment via probate. We sent letter to the Courts stating their Assignment is Void. Ocwen is illegally seizing our home at XXXX XXXX XXXX XXXX Texas XXXX where I have lived since XXXX. My parents left a Will and the home already has been transferred to me. 
I believe as well as other legal authorities that Ocwen letters of Administration is defective because Ocwen used the known Void Deed Of Trust to obtain rights. The law is clear, it fraudulent. 
There is overwhelming proof that the application for Letters of Administration was made with the knowledge that the Deed of Trust it used was void. 
( Citing 12.002 ( a ) ( 1 ). ( Id. ) Section 12.002 ( a ) of the TEX. CIV. PRAC. & REM.  CODE, and Courts have agreed that fraudulent assignment does not claim on title, the forged Deed of Trust is Void. 
a Under Texas law, XXXX Bank XXXX XXXX XXXX assignment is fraudulent as defined by Section Code 51.901 ( 11 ) ( c ) Violation of Texas Government Code. ( 11 ) The Mortgage assignment was recorded and filed in XXXX XXXX, Texas, the county clerk. ( c ) The court 's finding may be made solely on a review of the documentation or instrument attached to the motion and without hearing any testimonial evidence. 

XXXX Bank XXXX XXXX XXXX XXXX has been rendered fraudulent-void Courts and Texas Courts.
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: Consumer Portfolio Services, Inc. (OH)

Vehicle was repossessed on XX/XX/2018, two weeks after a partial payment was made and applied to the account. There was also a full payment made and pending on the account the same day the vehicle was repossessed. I never received a letter with instructions on how to how to send remaining payment, as required per state law, but the account was brought back current on XX/XX/2018, via the payment method I always use and released the same day after a very lengthy 45 minute call ( which included calling my bank to verify all of the funds submitted were not in the process of being canceled ). 

On XX/XX/2018 and XX/XX/2018, CPS reported to all of the major credit bureaus that this account was last updated with a payment made on XX/XX/2018, the account status is Involuntary Repossession and they closed the account. The account is in fact current and the due date effective XX/XX/2018 and XX/XX/2018 is XX/XX/2018. Also, I am showing that for the entire term of the loan ALL payments have applied soley to interest only.
Consumer complaint received 2018-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I filed a complaint against Specialized Loan Servicing, case number XXXX, in which SLS is claiming that I have missed a monthly mortgage specifically on XX/XX/2017 in the amount of {$1300.00}. That was SLS 's response to my case where I was asking why I owe them a month 's mortgage payment plus interest when I know I have never missed a mortgage payment ever. 
I checked my payment history with SLS and it clearly shows that I paid {$1300.00} on XX/XX/XXXX for the monthly mortgage for XX/XX/2017. Then on XX/XX/XXXX I made an early payment for {$1300.00} to SLS for the month of XX/XX/2017. This was where the problem began. Somehow SLS credited this payment somewhere else and not to my XX/XX/2017 mortgage payment. 
SLS can double check my payment history and it will clearly show that I paid twice in the month of XXXX. It was because of my early payment to SLS that this problem occurred. 
With that said, I would like SLS to reconsider and double check my records to verify that I have never missed a monthly mortgage payment. 
Regards, XXXX XXXX XXXX
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my second time reaching out to XXXX, XXXX, Trans Union to request a investigation on the following account. XXXX I am not requesting XXXX to validate the information that is reporting. I was a Victim of Identity theft I have provide the police report and FTC regarding this account. After contacting the first Collection that was reporting the account XXXX XXXX XXXX XXXX this company sold the account to XXXX XXXX XXXX. After I requested the company to remove this account due the fraud. I am requesting XXXX to BLOCK the reporting of this account from being reported and resold by debt buyers.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Today on XX/XX/2018, I attempted to dispute inaccurate addresses online with the credit bureau Experian. I was only able to dispute one inaccurate address. I call decided Experian. I provide my current and accurate address but Experian still refused to remove the inaccurate addresses.
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Management Services, Inc. (TX)

A debt with XXXX XXXX from 2013 was discharged in Bankruptcy case XXXX.
A new debt collector ( Credit Management ) has reopened and re-added the account to my credit report and is trying to collect this debt.
Consumer complaint received 2018-03-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

OnXX/XX/XXXX I started a dispute of six different items on my credit report. I requested verification and validation of these items and TransUnion has refused to send me the requested information. Instead they sent me credit reports stating the information was verified to be accurate according to FCRA. I then requested them to send me the names of the businesses, addresses and phone numbers of those who have been contacted during the process. I also called and spoke with several different people and stated this is my right under the Fair Credit Reporting Act. Instead of providing the requested information, they stated that everything is computer generated and they could not provide the information I requested. I proceeded to say, seeing as how they could not provide the requested information they should have removed the negative items. On XX/XX/XXXX and on XX/XX/XXXX the situation is still not handled and as ofXX/XX/XXXX I had to put in a third dispute of the items.
Consumer complaint received 2017-06-21
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: Exeter Finance, LLC. (NC)

After suffering an incident of identity theft, I placed a fraud alert on all XXXX credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, Exeter Finance Corp did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to all XXXX agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at Exeter Finance Corp to no avail as well. I never consented for  anyone at Exeter Finance Corp to access my credit files nor was I contacted by Exeter Finance Corp to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by Exeter Finance Corp be removed from all of my credit reports.  Please see below for which inquires I am requesting to be removed : XXXX : XXXX and XXXX
Consumer complaint received 2018-03-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (PA)

I have been disputing this very old debt on my credit multiple times. They have not provided any proof of the debt or a copy of the contract or deficiency balance to determine the account is reporting accurately. I do not agree with what they have reported and they won't respond to me. They have violated 15 USC 1692 FDCPA and 15 USC 1681 s-2 FCRA
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

We received a late fee notice dated XX/XX/XXXX. Ditech Financial changed our payment amount but did not inform us. On XX/XX/XXXX I called to ask them to waive the late fee. I spoke with XXXX at XXXX and he was unable to remove the late fee. I also spoke with his supervisor, XXXX, and she was also not able to remove the late fee. 

I am asking for a refund of the late fee off {$56.00}. 

I'd also encourage you to investigate Ditech 's billing practices. This is the second time this has happened to us in a year and it appears Ditech may be failing to send new payment notices or sending them disguised as frequently disposed of marketing collateral in the hopes of increasing revenue through late fees. We have gotten the late fee notices both times but not the payment due notice either time.
Consumer complaint received 2018-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. ()

Prior to beginning employment overseas, we settled with XXXX XXXX XXXX in XX/XX/July2017. After moving, neither us nor our tenant has received communication regarding debt owed, until my husband received a phone call XX/XX/XXXX on a US phone number while in XXXX XXXX, XXXX ( which we will not be able to keep ) regarding already paid debt. Upon contacting them to inform them we had already paid the debt, I was told by a phone representative of the organisation that " it is not their problem '' that I did not receive proper, legal notification in the mail. When I insisted we settled with them prior to leaving and asked for proof, I was told they will not send it internationally. I would like to dispute the debt because have we already paid and the company has said they can not send me proof of debt.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I got a copy of my credit report and noticed a lot of inaccurate information. I disputed it with all the bureaus and the inaccurate information is still being displayed. I sent along my driver 's license and social security card so that they would be able to verify my idenity.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (WI)

On Monday,XX/XX/XXXX, I telephoned American Express at the number on the back of my card ( XXXX ) to redeem earned cash rewards. The person I spoke with credited my account for the earned cash rewards and encouraged me to upgrade my XXXX XXXX XXXX  card ( no annual fee ) to their XXXX XXXX XXXX  card ( {$95.00} annual fee ).

I told the person I needed to confirm that the enhanced benefits on the new card would more than offset the annual fee. He told me for XX/XX/XXXX calendar year, I charged {$4900.00} at supermarkets, {$6000.00} at gas stations and {$180.00} at department stores. He did the math and confirmed the added benefits more than offset the new annual fee. In addition, I would be given a {$150.00} credit for {$1000.00} in purchases in the first 3 months. It all sounded pretty good, so I said sign me up.Later that night I thought his XX/XX/XXXX spending figures sounded high so I checked my XX/XX/XXXX statements fromXX/XX/XXXX through XX/XX/XXXX. For those 6 months, I averaged $ XXXX/month for groceries and $ XXXX/month for gas ( both typical for the year ). The figures that he provided to convince me to switch to the annual fee card were approximately 2.3 more for groceries and 2.8 more for gas than I spent in the 6 months of statements I reviewed, and I'm certain are typical of the entire year.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On or around XX/XX/XXXX i noticed a charge on my Bank of America card for {$300.00} that I did not make from XXXX XXXX. I immediately phoned the bank to stop payment and to cancel my credit card. The charge was removed and 2 weeks later re-added. I phoned the company again asking why it was added, they claimed that it was an " error ''. However, the charge was never removed. 
I took the next step to phone XXXX XXXX about the charge. They admitted that this was a fraudulent charge and that they would take care of it with Bank of America to credit my account. I immediately phoned Bank of America with the necessary information. 
I received a letter from Bank of America stating " Our decision hasn't changed. '' I called them again and reminded them that I provided them, Bank of America, all of the information for my fraud claim, they said that " we are getting closer to a resolution in your favor ''. 
2 weeks later, I have another letter saying that this is not in " my favor ''. I phoned XXXX XXXX as to why I did not receive a check for the amount that I did not charge. Still no resolution from either, and I am still out {$300.00}. 
I asked Bank of America for a copy of the call log, they have not provided this. I can not speak to anyone, I am on hold for hours. I need help. It's no longer the money, it's the principal and what these people are allowed to do to innocent customers. 
Not sure where to go from here, I appreciate any help you can provide.
Consumer complaint received 2018-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Choice Recovery, Inc. (SC)

The original debt of {$130.00} was not only paid discharged, this collections agency has reported the wrong date/year to the credit bureaus, resulting in a negative collections entry of {$160.00} on my credit file/report at the credit bureaus and a removal date of XX/XX/XXXX. This suggests that the original date/year of delinquency to be XXXX. This is incorrect. I have contacted the company multiple times to inform them of the status of this debt, but they refuse to acknowledge the information I give, and they refuse to take action.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is a terrible company. I had aXX/XX/2015 XXXX XXXX that I was financing. I was not 30 days late but was a victim of a XXXX XXXX XXXX. The repair shop reported a illegal lien against me even though I offered to pay. XXXX XXXX XXXX still took it upon themselves to repo the car even though it was paid and have XXXX up my credit with TransUnion and is hindering me from getting another car and personal and business funding. Furthermore to add insult to injury they reported it late to the credit bureaus after repoing the car.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

About 4 years ago I purchased furniture from XXXX XXXX XXXX. I applied for their offered credit card with 0 % interest through Synchrony Financial. I set up automatic payments to break up all payments equally for the duration of my promotional 0 % interest term. For years they debuted my account for the same amount every month without incident. It finally came down to the last few payments and suddenly without notice my monthly payments were significantly reduced. This was done in an effort to ensure I would still have a balance on my card once the ridiculous interest rate applied after the promotional rate ended. Luckily, I realized what was happening and quickly paid off my remaining balance before their plan could be carried out too far.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

XXXX XXXX XXXX is a terrible company. I had aXX/XX/2015 XXXX XXXX that I was financing. I was not 30 days late but was a victim of a XXXX XXXX XXXX. The repair shop reported a illegal lien against me even though I offered to pay. XXXX XXXX XXXX still took it upon themselves to repo the car even though it was paid and have XXXX up my credit with XXXX  and is hindering me from getting another car and personal and business funding. Furthermore to add insult to injury they reported it late to the credit bureaus after repoing the car.
Consumer complaint received 2018-08-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I have a mortgage with Wells Fargo Bank- Home Mortgage department. I fell 90 days behind on my monthly mortgage payments due to medical expenses during the past 24 months. In XX/XX/XXXX I filed for a divorce after being separated from my husband since XX/XX/XXXX. Although I was behind on the mortgage I was able to make monthly payments timely for 12 months but not able to bring the account completely current. I filed for a modification in XX/XX/XXXX and was denied. My estranged husband was court ordered to make the XX/XX/XXXX mortgage payment and subsequent monthly payments. He made a payment in XX/XX/XXXX and has not made a payment since. I contacted in the bank/ mortgage dept in mid XX/XX/XXXX and explained what was going on in regards to the court order. On XX/XX/XXXX I attempted to make a payment of {$2000.00} at a local Wells Fargo bank branch. The payment was not accepted and I was told to contact the mortgage dept. The representative at the mortgage dept. stated they were demanding the full payment of {$7500.00}. and nothing less. I then ask for and spoke with a supervisor who stated the same message to me. I can afford to make my monthly payments plus extra and want to remain in my home. I can not afford to bring the account current in one large payment. I have this with the banker and I was told they would not accept partial payments at this point. I need your help.
Consumer complaint received 2018-08-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

OnXX/XX/2018 I requested that XXXX verify accounts that was appearing on my credit report, ( see attached letter ). On XX/XX/2018 XXXX responded to my request with a letter ( see attached letter ) directing me to contact the credit grantor, XXXX in error is naming XXXX XXXX XXXX XXXX  the grantor of this alleged account.

On XX/XX/2018 I requested a method of verification ( see attached letter ) from XXXX investigation and has not received any information from XXXX alleged investigation, I have also submitted a second request written request to XXXX  in a good faith effort asking for the address and telephone number of the original creditor of this alleged account with XXXX XXXX XXXX XXXX without success.

I have also in a good faith effort contacted XXXX XXXX XXXX XXXX ( see attached validation letter ) to get the contact information to the original creditor of this alleged account, XXXX XXXX XXXX XXXX  only sends a computer generated printout of charges and the creditor as XXXX XXXX XXXX XXXX XXXX XXXX  ( see attached printout ) I have not done any business with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX and if XXXX XXXX XXXX XXXX fail to validate this alleged  account with verifiable documentation that this alleged account belongs to me it should not be on my credit report.