davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (IL)

In XXXX XXXX, I applied for the removal of the PMI insurance on my home based on the increase in value of the home. By letter from my mortgage servicer, PHH Mortgage, dated XXXX/XXXX/XXXX, the PMI was confirmed removed. The letter also stated that the PMI was paid in arrears so I may owe a final payment but that " as of the date of this letter, no new PMI charges will accrue to your account. '' It seemed reasonable to take that to mean that as of XXXX XXXX, XXXX, even if I owed a final PMI payment, it would at most be prorated for the first 7 days of XXXX before the PMI was canceled. 

When my XXXX mortgage payment posted on XXXX/XXXX/XXXX, a charge of {$320.00} was listed as a payment of PMI. My normal monthly PMI charge prior to this date was {$170.00} so I was charged an extra {$140.00} for PMI in XXXX. I called my mortgage servicer to find out about this extra {$140.00} payment and was originally told that this was due to the fact that PMI is paid in arrears so I was being charged for the PMI that accrued in XXXX. Here 's the proration math : {$170.00} ( normal monthly PMI amount ) divided by 30 days in XXXX = {$5.00} ( rounded up ) per day. Assuming I was charged for 7 days in XXXX, this would mean a prorated amount of {$40.00} ( {$5.00} x 7 days ). This obviously does not equal the extra {$140.00} I was charged. When I walked through the math with my mortgage servicer, no one could explain the discrepancy but just kept telling me this was the amount requested by the PMI company, XXXX, and that it was prorated. As the contract for PMI insurance is between my mortgage servicer and XXXX, I was told no one from XXXX would speak to me to explain the extra {$140.00} charge. For this reason, on XXXX/XXXX/XXXX, I requested my mortgage servicer request a breakdown of the {$140.00} from XXXX. I was told to call back in 7-10 business days. On XXXX/XXXX/XXXX, I called to follow up on this request and was told they had no activity in their systems showing a request to XXXX had been made or that any response from XXXX had been received. 

Between XXXX XXXX and XXXX XXXX, I made XXXX calls to my mortgage servicer totaling approximately XXXX hours and no one was able to give me a sound explanation for the extra {$140.00} that I was charged when my PMI was canceled. The mortgage servicer does n't see it as their problem because they do n't have to pay the bill and because of the contractual relationship between the mortgage servicer and XXXX, I can not receive any information/explanation for the extra charge. If a consumer is being charged for something, there must be proof of the validity of this charge. After many hours of trying, I have been refused this proof and told I would never receive it from either my mortgage servicer or XXXX.
Consumer complaint received 2017-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (NJ)

I paid my past due account of XXXX directly to XXXX on XX/XX/2013 and have the bank statement to prove it. Trident stated they purchased the debt XX/XX/2013 from XXXX Although I have proof of the debit from my checking account they refuse to accept the copy of my bank statement. This debt is paid since XX/XX/2013
Consumer complaint received 2017-01-25
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Credit Card has a line on their statements reading ***important tip*** pay at least the Interest Saver Payment by due date to avoid interest on new purchases, but the amount is lower than actual new purchases. The difference is added to the amount owed, or reduces principle already paid down. The end result, statements intentionally prevent you from paying down balances if you follow the directions on the statement
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (MS)

I have contacted Southwest Credit Systems several times to validate debt of which i have no contract with them. They refuse. Southwest Credit Systems have also fraudlently contine to report to XXXX, XXXX, and XXXX untrue and not validated information. I have no contract with them.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

I recently received a default letter from Ditech saying that they have n't received my XXXX XXXX mortgage payment. I have proof/documents that I have been making monthly mortgage payments. I spoke with a Ditech supervisor ( XXXX XXXX ext. XXXX ) and he says that my mortgage payment has been placed into Escrow. XXXX then says he will need to research my account and he will call me back once he had some more information. XXXX has yet to return my call and each time I try to contact him, I get his voicemail box. I call Ditech again XXXX/XXXX/XXXX and speak with another representative who tells me that my XXXX XXXX payment has been used to pay bankruptcy fees. I began to tell her that was incorrect because all fees were paid and discharged through Chapter XXXX bankruptcy court. The representative says she will email me a document that would verify where my mortgage payment went. I have yet to receive this email. There has been ongoing problems with Ditech misapplying my mortgage payments ever since my mortgage was sold to them from Greentree. The attached documents outline payments and letters from Ditech. The highlighted areas show information where Ditech claims I am in default {$1300.00}. I am only to make XXXX XXXX payment of {$690.00}. Ditech is now sending notices to pay this false {$1300.00} payment. Also, I am due to pay XXXX payment but I am hesitant to send it in because I am unsure how Ditech will apply it.
Consumer complaint received 2017-01-25
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX was the credit card provider for the debt of {$1400.00}. The cc was opened XX/XX/XXXX. I went delinquent on this loan of XX/XX/XXXX. The delinquency was due to lost of employment XX/XX/XXXX and also separation. XXXX XXXX sold off this loan to Portfolio XX/XX/XXXX making my debt start all over again. I dont believe that i should wait another 7 years eith Portfolio The debt collection agency said it will stay another 7 years on my credit bureaus. This has to be unfair.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2017-01-25
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Thaxton Investment Corporation (SC)

XX/XX/2017 XXXX : I received a call from XXXX at Southern Finance at XXXX SC XXXX. XXXX told me that a check had been cashed in my name, and that repayment was expected. 

Suspecting a scam or con-job, I asked for additional information. XXXX told me that they had mailed a check to me and that it had been cashed. I told him I did not know anything about this. XXXX provided a SSN and DOB that match mine. 

When I asked him, XXXX told me that checks had been mailed as a promotion to many people, and that cashing these checks was acceptance of a loan with interest in the 40 % area. XXXX told me that they had obtained by address, SSN, DOB, and credit score from XXXX. 

I told XXXX that I had not received any such check, nor had I cashed any checks in that amount. XXXX tried to tell me that a relative or roommate must have cashed it, and that I was responsible. I have no relatives in the area, and live alone. XXXX told me that someone must have taken the check from my mailbox, and said that he needed me to present myself to him in person to " get to the bottom of it. '' I declined to do so, because I believe he would try to trick me into giving him information to add to his file and make it appear legitimate. Specifically, I think he would have tried to trick me into letting him copy my ID to add to the file and make it appear that I had applied for the loan in person. I think that security camera footage showing me in his office would be added to the file to make it appear as though I applied for the loan in person. 

I believe that the practice of sending out checks for loans that were never applied for is deceptive and predatory, because many people receive many checks from many sources, and would believe such a check to be a payment from a client or a settlement, and deposit it without realizing they were obtaining a high-interest loan. 

I believe that this contact from Southern Finance was an attempt to commit fraud and collect on a loan that does not exist.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

Ditech is current servicer on a mortgage loan transferred to them from Green Tree. All correspondence from them relating to possible modifications or other remedies come in the form of a letter, but it is never signed by anyone. Seems to me that whoever is sending me a denial etc should sign the letters. I feel that ever since the transfer of the loan that one person should be my contact in loss mitigation/modification dept. so I have a name and phone number. Personal contact is needed, but seems to me they always are changing people and its almost like starting over when a new solution is possible. Poor communication with no one person really having the authority to solve the issues involved. Suggestion that I make for a possible remedy never are presented to XXXX XXXX on my behalf.No real flexibility in working out a solution to prevent a foreclosure.
Consumer complaint received 2017-01-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: FIRST HORIZON BANK (TN)

I am submitting this complaint on behalf of my step father. His concern is in regards to the credit decision as well as problems paying this loan. He is unable to adequately read such documents that were presented to him and he did n't clearly understand all the terms or conditions that applied. But mostly, after reviewing this type of loan ( HELOC ) that was presented to him, I strongly feel that his level of education, limited income, age, as well as all the time and all the sacrifices he will have to make in the time allowed to satisfy the loan terms, maintain his home so that he may comfortably live out his days without leaving a burden upon his wife, kids, or grandchildren did not get taken into consideration. Either overlooked. Now that he is unable to pay such a variable rate loan, foreclosure is being presented. Which leads me to question the decision of this loan. Also Now that he is unable to pay such a variable rate loan, he is faced with the fear of foreclosure.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/2013 I had bank of America bank account and my ex wrote me two child support payments by check so I deposit them my account. I believe days later they closed my account without me knowing it. So I called and they told me they was closing my account because of two bad checks I deposit so I was XXXX because I had direct deposit but I let it go. So I was threw with banks until I tried to go to a credit union so I could build my credit and they told me no because somebody put fraud by my name and social security number. I called them Bank of America and they told me they do not have fraud by my name. So I need this taking care of because this make me look bad when I 'm trying to build my credit.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$640.00} These accounts listed in my bankruptcy were all opened without my knowledge. This bankruptcy ABSOLUTELY needs to be removed off my public record as a result. This is illegal for Transunion to continue reporting this when XXXX nor XXXX has it listed. Please remove this off my report ASAP! 

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (AL)

My daughter 's car was repossessed by Kia Motor Finance. I was going to pay to get the car out of impound and refinance the car in my name. Kia told me that once the payment to the impound yard posted they could give me a payoff amount. On XX/XX/2017 I received a payoff amount and that amount was good through XX/XX/2017 with a per diem amount of XXXX. I mailed a check for that amount on XX/XX/2017. On XX/XX/2017 the bank notified me that they had not received the Title for the vehicle from Kia Motor Finance. I called Kia and spent over 1 hour on the phone with XXXX different people who all told me the same thing. After Kia gave me the payoff amount, the next day they added a fee for repossessing the vehicle and now I owed a balance of XXXX dollars and unless I paid that balance they would not release the Title. This amounts to extortion. They knew that the vehicle was in repossession, I asked for a payoff amount, and I paid the amount that they told me to pay. Now they will not release my title unless I pay another XXXX.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I filed a police report locally and with the FTC for Identify theft. I sent all the necessary information to Equifax by registered mail and they are required to block this fraudulent information on my report within 4 business days pursuant to section 605B of the FCRA and it has been 30 days and it is still on my report. My Equifax dropped XXXX points because of this identify theft. Along with the reporting officer we called XXXX and talked to XXXX, operator XXXX and she said to us on the phone and it is recorded in the police report that it is not my debt and she said she would contact Equifax and tell them. Nothing has changed on my report!
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (CA)

I was late making a payment one month on my JCPenney credit card. I was charged a late fee of {$34.00}. I made the payment due a couple days after the due date, and then made the next regularly scheduled payment on time. I was again charged a late fee, however, because rather than add the late fee to the total balance, Synchrony Bank added the late fee to the minimum payment due, in effect doubling or tripling the minimum payment amount that is usually due. I contacted JCP and talked to a rep or XXXX on the phone for over an hour. I said I could not pay the late fee on top of the min payment due and they should add it to the total balance. Instead, I was charged another late fee, despite making the payment on time. I ended up getting disconnected after over an hour of waiting on the phone with them. This is unfair. I made one late payment in years and was charged XXXX late fees, despite making only one late payment. The late fee should not be demanded along with the minimum payment due. I did get the late fees refunded to me, however, the practice of adding the late fee to the min payment due is what I am disputing. It took over an hour of my time to resolve an issue that should have never occurred.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (SC)

On or about XX/XX/2016 I contacted my student loan servicer, Navient and requested the following information be mailed to me : 1 ) Copies of my XXXX promissory notes ( aka copies of ALL original loan paperwork ) 2 ) XXXX schedules for each of my loans detailing the following balances/payment applications/account status on a monthly basis : a ) Beginning monthly balance ( starting with each loans origination date ) b ) Payments - including amount of payment applied to interest and principle each month c ) Interest charged each month d ) Ending monthly balance XXXX ) Loan status each month ( forebearance, current, etc. ) I was told I would receive all original loan paperwork, promissory notes, within 30 days. I never received this paperwork. 
I was also told they were not able to provide me with XXXX account details as they only retain such information for six or eight years. Given the recent news of Navients big fine for illegally appling payments, I now understand why I they did not provide me with this detail. 
I now ask for your help to compel Navient to supply me with this information timely.
Consumer complaint received 2017-01-25
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Big Picture Loans, LLC (TX)

The collection agency, XXXX contacted my father requesting information from him. This is after the debt was disputed and no other communication existed. 

the name of the collection agent is XXXX, located at XXXX XXXX XXXX, NY XXXX. I disputed this debt several months ago and now they are contacting my father and harrassing him.
Consumer complaint received 2024-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear ( XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.