davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation (TX)

I was supposed to be shut off from the well on XX/XX/XXXX because the well is in violation of the laws and regulations. I can't get public water yet either they can't even accept our applications. You guys made me pay for water whether it is the well or the public water I can't have either one. In addition to this, why did I have to pay for the survey and XXXX XXXX for it not to be included in the documents filed with the county? 

Why did you decide to go through another foreclosure on me after I submitted a complaint to the savings and mortgage lending department? Was it because the loan originator was cited in the wrong for the 1 to 4 contracts he should have had a part in? BTW my loan should have been around {$210000.00} but then you should also take off the cost of whatever they were since I don't have any improvements. You instead used the first prequalification letter & earnest money contracts to just add costs to my loan.

You gave me 3 closing discloses, and 1 loan estimate, made me sign two Form 4506-T forms for a credit pull, and how am I going to sign a settlement statement for a house that says it's in XXXX, and then you guys switched to XXXX? Why do the Additional dates per state requirement say : XXXX on the XXXX statement for XX/XX/XXXX but not on the XXXX statement that is on XX/XX/XXXX? Also, there's no way I could sign page XXXX of XXXX on XXXX and on the XXXX page XXXX of XXXX printed on XXXX, that's ridiculous especially when in my closing recording they clearly mention that there was no escrow XXXX even present so what the XXXX? But you guys are smart and since the title company is in XXXX, TX I can't get any information from the XXXX location. I have never even been to the XXXX location. 

And why did I sign a new construction statement on XXXX for a house that was an REO/SPEC home that wasn't a XXXX home? Isn't an XXXX like a foreclosure HUD or bank-owned home? Which by the way you did this to all XXXX of our houses and then some and the appraisals homes are all owned by XXXX & XXXX mortgage and sold decades ago? XXXX
Consumer complaint received 2017-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TX)

Paid full amount of mortgage to XXXX on XXXX/XXXX/XXXX. 
XXXX assigned my mortgage to M & T Bank. 
As of today XXXX/XXXX/XXXX this payment has not processed. 
Hours have been spent on the phone with multiple representatives and one will say it looks like it should process tomorrow - it never does. 
One rep tells me I have a 60 day grace period when my mortgage is reassigned, another says I will be late on XXXX/XXXX/XXXX at XXXX pm. 
Today XXXX/XXXX/XXXX a representative says she sees no payment and wants me to pay again. XXXX is the confirmation number I was given today. Im very worried that the payment already made may still post, resulting in double payment. Im also concerned this very unprofessional and disorganized process could cause a late payment and I am never late. Three weeks and the money is still in my account. Well see what happens after my second payment today. If this were my company, at least 3 rude, impatient and incompetent representatives would be fired.
Consumer complaint received 2017-09-16
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (DC)

This complaint is in response to Ocwen Loan Servicing LLC - agent / in parity with document custodian XXXX XXXX trustee - for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates XXXX Ocwen 's XXXX number : XXXX - Reference previous Complaint -CFPB- XXXX Ocwen XXXX Dated XXXX The XXXX is not of issue nor discussion, as XXXX was the secured XXXX XXXX to XXXX XXXX and the XXXX XXXX XXXX. The Trust took an insurance write off for the BK- per SEC XXXX XXXX 
Ocwen obtained a charged off account as per their own ledger. Ocwen in cahoots and parity with XXXX intended to steal and deceive by concealment and fraud for unjust enrichment through a foreclosure mill XXXX XXXX XXXX XXXX XXXX and XXXX XXXX OcwenXXXX created a Collateral file ; had to validate the debt and violated FDCP by wrong amounts owed and claimed false Note holder- the document custodian trustee- XXXX XXXX XXXX There is NO valid lien. The ONLY lien on subject property was with the prior owner for XXXX through GMAC. The chain of origination and holder due course UCC XXXX FAIL. IF Ocwen and XXXX in parity are not forging documents- why NOT file a proof of claim in Court to show the valid transfers as how they obtained a blank note. In addition, Ocwen forged my signature THAT is robo signing. Ocwen 's 305 page response on XXXX is false and additional evidence of duplicate Deeds versions of one original. 
Ocwen 's response is FALSE and deceptive- also criminal- the Deed does NOT give permission to break in my condo and stalk me- paragraph 5 page 1 and 1st paragraph page 2. ONLY IF THE PROPERTY WAS ABANDONED can the LENDER enter to make repairs. THAT is why they offer {$3000.00} for keys- to avoid Landlord Tenant Court. OcwenXXXX trustee for XXXX is NOT the LENDER. Ocwen submitted Fake HAMP letters never sent ; XXXX has not responded to the fraudulent Deed Transfer created by Ocwen and XXXX XXXX XXXX XXXX, as XXXX can not transfer something they do not have only RECORD submittals. Ocwen submitted several versions of the Deed some stamped with Lending Connection some not. Ocwen submitted fabricated documents back dated and they do NOT take robo signing seriously- as they would have done a better job than using XXXX XXXX and NO dates!. In their own admission, they submitted 305 pages of fraud to add to the other 150+ page ledger as they created documents. XXXX XXXX XXXX did mot stamp that " Note without Recourse '' or they are selling blank notes under XXXX XXXX protection. XXXX XXXX has not admitted to doing as such but Ocwen certainly put it in their ledger scanning and endorsing from XXXX XXXX to XXXX XXXX in Blank. Where is XXXX XXXX XXXX or document custodian XXXX XXXX? 
Pager 119 Of the Ocwen Ledger when they forged my name bled on page 120 of the XXXX XXXX exhibit.
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (WI)

I am buying a home and on my credit bureaus there is a collection for a company named J.H. Portfolio Debt Equities, LLC. I called to clear up this matter and was told it was not being handled by them as they are a buyer of debt not a collection agency and they referred me to XXXX XXXX. XXXX XXXX states they are just a call center that distributes debt collection to various agencies and I needed to contact XXXX XXXX XXXX which I did and settled out this debt on XXXX XXXX, 2016 and was told it will be deleted once updated. I received a letter from XXXX showing it was paid and that there is a zero balance but apparently they do not report to the credit bureaus and they said I needed to contact the original creditor which is J.H. J.H. is being impossible to deal with and refuses to provide accurate information and states that they will not provide me a letter stating it has been settled in full. They are continuing to report this as open with a balance due. I have spent weeks attempting to resolve this and J.H. will not return any messages and told me that they are sorrily with how they are handling this. In the meantime I am losing the house we are trying to buy and my family is going to be homeless in less than 2 weeks. I have begged them to just give me a letter stating that they are not a collection agency and who the agency is because the bureaus will not accept a letter from XXXX because they are not the ones reporting on it.
Consumer complaint received 2022-12-15
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: Westlake Services, LLC (AR)

I have reported this hard inquiry to XXXX as fraudulent from this company and they have not yet been removed it. I did not authorize the following inquiry and I have a police report attached showing that my identity was stolen. Please remove the following inquiry from my XXXX credit report : Westlake Service XX/XX/2021
Consumer complaint received 2018-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I used a credit repair agency take care of the only collection on my credit report. XXXX XXXX XXXX could not verify the account belonged to me therefore it was removed from my credit report previously. XX/XX/2018 the collection company started reporting to my credit report once again, hindering my ability to proceed with a mortgage loan. If they were unable to verify the account belonged to me, I want to see the proof to verify the debt. I currently have an open credit card with capital one ( the original creditor according to XXXX XXXX XXXX ). I dont want to see my information verified for an account not verified belonging to me with information from my open credit card. I should be protected against the unlawfully verifying of a debt under the fair consumer reporting act.
Consumer complaint received 2022-12-15
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: Global Lending Services LLC (AR)

I have reported these hard inquiries to XXXX as fraudulent from these companies and they have not yet been removed. I did not authorize any of the following inquires and I have a police report attached showing that my identity was stolen. Please remove the following inquires from my XXXX credit report : XXXX XXXX XX/XX/2021 Global Lending Service XX/XX/2021 XX/XX/2021 XXXX XXXX XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2022-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc. (TX)

I have contacted Synerprise Consulting by phone on XX/XX/XXXX to resolve this matter. This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1300.00} with XXXX, XXXX XXXX XXXX XXXX credit reporting agencies. 

This debt should have never been in collections with original creditor. Synerprise Consulting has been notified and it has not been taken off my credit report. The original creditor XXXX XXXX XXXX never submitted a claim to insurance for services rendered on XX/XX/XXXX at XXXX XXXX XXXX, XXXX, Texas. If they would have, the bill would have been covered 100 % as I did not have a deductible remaining. After contacting XXXX XXXX XXXX, they have charged the bill off siting their mistake and not submitting a claim to my insurance in a timely manner ( in accordance with Texas laws ). The collection by Synerprise Consulting should have never been put on my credit report and is now categorized as a charge off/collection '' which is negatively impacting my credit report and score.
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (DC)

I received a call on my personal cell phone about a week ago from a company identifying itself as " First Source Advantage. '' They asked for a person by name, who used to be my roommate but died this past XXXX. Before his death we shared a phone number for our land line, but that has been disconnected. I explained to the caller that the person was deceased and they had called my personal cell phone. 

Today I received another call from the same company, again asking for my deceased roommate. I told them again that he died in XXXX, and their representative essentially accused me of lying. 

I provided the caller with information about the estate and a phone number for its personal representative. I also instructed him not to call my cell phone any further. But I should not have had to make this request more than once.
Consumer complaint received 2018-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was XXXX on XX/XX/XXXX17 and the following month 's XXXX payment of {$730.00} was stolen while the only card for the account was in my property at jail! How is that even possible .... Further more when I got out a year later they refused to refund the money cause it was over 90 days. I had the only card locked and protected by XXXX county 's finest ( the XXXX county sheriff 's department ) How could anyone get access to my account? How I understand it all this time later is there was a prepaid card issued and the funds stolen that way. but how can they issue me a card and I not know it.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I have my mortgage with Specialized Loan Servicing , LLC and I am victim of predatory lending. the are purposely trying to sabotage my refinance to keep me with them at 7.125 % interest rate. I have been approved to refinance my mortgage and payoff about {$50000.00} in credit card and I have been struggling to get by. I have been trying to get a XXXX done to with SLS now going on almost 5 months. about a month ago they finally got the collateral documents over to their XXXX attorney. The Bank attorney for the lender I am refinancing with requested the XXXX and Assignment a month ago. I am afraid that if this goes on any longer I will loose my mortgage commitment to refinance and pay off my bills and if I loose this mortgage commitment I will no longer be able to pay my mortgage and I will loose my home. please help me and the rest of the consumers out their from unfair business thank you
Consumer complaint received 2017-06-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I was told that if paid in full this would be deleted from my report. I did not get this in writing but did get audio. They convince people to pay by promising things that they do not deliver.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (LA)

Hello, My name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I to be need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavits. Please delete the items as soon as possible.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

For the past year or so ; I have added money to my regular monthly payments to reduce the principal. As of lately ; they have started crediting the overage to future payments rather than reducing my principal. I have called them 2-3 times on this already and here again this month they have done the same thing. I want my money to be applied where I state it on the billing stub I send in with every payment. What is my recourse?
Consumer complaint received 2022-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Financial Resources, Inc. (MA)

XXXX XXXX XXXX XXXX debt to collections when it was paid in full by my insurance company for a short XXXX XXXX on XX/XX/XXXX for an amount of {$1700.00}. I have proof from my insurance company that they paid it in full and it shows simply in a breakdown that it was completely covered. 

XXXX XXXX XXXX XXXX false delinquent debt to First Financial Resources , Inc based out of XXXX, MA on XX/XX/XXXX. They contacted me several times and I finally got them to send me an email to send them proof that this debt was paid in full by my insurance back in XXXX of XXXX. They claimed that the insurance payment was invalid as " XXXX XXXX XXXX not have any contract with my insurance company at the time. '' They then reported my debt as " collections charged off '' on my credit even though they had no legal standing to do so. A collections charged off is a major negative remark and I want it removed and my credit restored properly. 

This charge off occurred on XX/XX/XXXX, 3 months after I provided them with proof of payment in full and on time from my insurance provider.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX Account # XXXX, Has violated my rights. 15 U.S.C 1681 section 602 ( A ) states That I have a right to privacy 15 U.S.C 1681 Section 604 ( A ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( C ) ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 s-2 ( 9 ) A person whose primary business is providing medical services, products, or devices, or the persons agent or assignee, who furnishes information to a consumer reporting agency on a consumer shall be considered a medical information furnisher for purposes of this subchapter, and shall notify the agency of such status. I also have provided proof that shows I had XXXX  insurance with a total different company than what XXXX XXXX XXXX reports.
Consumer complaint received 2022-12-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I have been contacting New Rez/ Shellpoint Mortgage since XX/XX/XXXX when my husband received a veteran 100 % XXXX exemption on our property taxes. They refuse to re look at my escrow overages and re analyze it. I have told them the hardship this causes on a XXXX veteran. I also had my XXXX appraisal district write them a letter validating we are exempt and to stop all escows for XXXX. They still refuse to make any updates or changes, they will continue to escrow me until the new tax bill in XXXX of XXXX and by then will owe me close to XXXX in back money. I have submitted over 20 requests and complaints to them to stop escrow, service complaints and to delete my escrow all together. The refuse and site policy 's not to do so. They are very deceptive an are practicing red line process against a US veteran and a XXXX person. Please help we cant continue to pay over XXXX a month more then we should. I do not want to loose our home. The are violating my rights as a XXXX person and the texas tax code. 

Texas Property Tax Code 11.131 ( b ) states, A XXXX veteran who receives from the United States Department of Veterans Affairs or its successor XXXX percent XXXX compensation due to a service-connected XXXX and a rating of XXXX percent XXXX or of individual unemployability is entitled to an exemption from taxation of the total appraised value of the XXXX XXXX XXXX.
Consumer complaint received 2022-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

replying to case number : XXXX XXXX XXXX XXXXXXXX is Continuing to break federal law. I never refused to pay but only asked for debt validation pursuant to 15 usc 1692g which was sent to their company, and they never responded with the documents validating this alleged debt. No contract or agreement or anything. When I filled out this agreement I was not informed on basic facts, such as you needed two consenting parties to make an agreement. That I needed to understand what was in this agreement it had to be clearly and conspicuously explained to me to know what I was agreeing to, which they did not do. I was supposed to make an informed decision pursuant to 15usc1601 ( a ). I made an uninformed decision onXX/XX/2021when there wasn't any evidence of indebtedness, the only evidence of indebtedness was the agreement but because it was an uninformed decision that agreement is null and void. The agreement never served as adequate notice because the agreement never set forth those pertinent facts clearly and conspicuously to me where I could notice it and understand its meaning pursuant to 15usc1602 ( k ). XXXX XXXX XXXX then sold my nonpublic information to RESURGENT capital services, and they admitted to purchasing it. These companies have been damaging my reputation by reporting inaccurate information on my consumer report advertising it to the public and I don't know who is seeing it. I am tired of being a victim of these criminal acts
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orions Management Group, LLC (CA)

I hace asked them to provide me in writing how is they resolved this debt is mine and yet they have not responded I have disputed this debt with experian to removed it and also with XXXX XXXX so far only XXXX XXXX was able to removed it not experian.