davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Seterus reported my payment was late XX/XX/2016. I can provide copies of my customer account activity report generated by Seterus showing a payment was received on XX/XX/2016 in the amount of {$1300.00}.
Consumer complaint received 2016-10-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (MA)

Loan originally from XXXX XXXX and assumed into KeyBank. No exiting instructions provided for remitting payments to KeyBank. Called into bank and spoke with Customer Service, informed me my AutoPay was going to be cancelled with KeyBank and my account was delinquent - prior to next scheduled payment being due. I was told AutoPay did n't transfer from XXXX XXXX and then was told that it did transfer from XXXX XXXX - but would n't be able to utilize for payment. Then was told I am unable to make payment utilizing my financial institution I bank with and I need an account with KeyBank. Frustrated and looking for other options / re-financing with other institutions.
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (PA)

My credit card payment of {$250.00} via XXXX from XXXX to XXXX/Barclay Bank on XX/XX/2016 was " lost '' during transition from XXXX to Barclay after the account was bought by Barclay. Over the past XXXX ( yes, XXXX ) MONTHS I have called Barclay, XXXX, and XXXX no less than XXXX times, verified the XXXX XXXX times to Barclay via XXXX XXXX see attached ), spoken to XXXX managers at Barclay who each assured me it would be fixed, conducted XXXX conference calls between XXXX, Barclay, and myself, and spent countless hours on the phone and on hold with Barclay with no correction thus far. Over this time period, I have been charged late fees and additional interest fees several times. This error has also negatively impacted by credit scores. XXXX has done everything asked of them to verify this payment. Barclay bank has wasted countless hours of my time, overcharged me late fees and interest, negatively impacted by credit scores, and has yet to credit me the thrice verified payment. Barclay bank 's customer service department is unprofessional, unethical, and generally worthless at the managerial level. I am currently a XXXX XXXX XXXX submitting this form and now trying to correct this issue from XXXX.
Consumer complaint received 2016-10-25
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (KS)

I had been involved with a Wells Fargo Bogus Loan.The only way I knew about this was when it popped up on my credit report.I had banked @ Wells Fargo For years { off and on } Around XX/XX/XXXX-XX/XX/XXXX-Or so, { cant pinpoint the date, due to all information was on an old computer } Any way, The Bank had an outstanding loan out on me that i was not aware of, I had a loan a few years before, However it was paid and satisfied.I spoke with the company { wells } XXXX branch, About the loan that was not mine.They would not budge on assisting me in resolving the issue.My credit is what suffered! I had finally contacted the Federal Trade Commission about the bogus loan or mistaken identity loan out in my name.As far as i know, this was never resolved? Now fast forwarding to the issues with said bank practices ... I have to wonder if i was a victim of this fraudulent practice as well.And i have no idea on how to move forward with resolving this issue on my credit report.During this fiasco..I had several XXXX in my account.More than XXXX
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (KY)

I am writing to your agency because I am very upset the way my credit card company ( Discover ) handled my claim. I disputed the charges of {$3000.00} made by this fraudulent company called XXXX on my card on XX/XX/2016 and also XXXX charges of {$190.00} charged by XXXX on XX/XX/2016, XX/XX/2016 and XX/XX/2016 These companies called me and were very persuasive. I had several contacts approach me by phone on how they were upgrading my site for the world to see it. I did n't understand on what to do. I have never been in this field of marketing. I ended up paying to several companies. All I was looking for was to make an extra income to pay bills. I was approached as owning my own business and bringing in extra cash. But in order to make money I would had to pay even more money to all these companies calling me and pushing me their services as necessary to my online business. And they always call you for more money, meanwhile I kept paying for more services and they were never provided. I was losing sleep unable to think worried about how to pay off creditors. Discover denied me for the wrong reasons. I was disputing as services not rendered. And is not a billing error. I did agree to pay for their services but they never provided me with them. I tried to resolve with the company 's first but after you ask for a refund they ignored me.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (NJ)

For the past 2+ months, I have, as a volunteer/friend, been trying to assist a friend 's brother with a deed in lieu for his property that is facing foreclosure. His loan is serviced by PHH. Since starting on the process back with the filing of my Letter of Authorization with PHH, PHH has used my phone number to debt collect daily, often twice daily on my personal phone number. And yet, the few times I have tried to reach the deed in lieu area of the mortgage servicing area, I am put on hold for at least 45+ minutes and am given little to no information about the status of his request for a deed in lieu. I have emailed the General Counsel of PHH repeatedly without a response to alert her to serious violations of the debt collections practicing act and the failure of PHH to adequately be responsive to this homeowners needs. Today, after being on hold for over 60+ minutes, the executive office of the President said they could not find my letter of authorization, which at least the first loss mitigation rep, who could not access the notes in the file for a status update, at least could. I find the lack of responsiveness, the sheer lack of professionalism at all levels of this mortgage servicer and their repeated debt collecting on myself on my personal cell phone at all hours of the day and night to be a complete failure of so many parts of their consent decree entered into the NJ AG for failure to loss mitigate, DODD FRANK and the Fair Debt Collections Practices Act. Plus, there should be minimum standards in place for this mortgage servicer to not only answer their phone but to provide substantive and prompt updates on their loan servicing to the HOMEOWNER and HOMEOWNER 's ADVOCATE. WHEN IS THIS EVER GOING TO STOP!!! It has gone on far too long. I GIVE UP. Let the mortgage companies take back all the houses, charge exorbitant rents. Let this scenario run to its illogical conclusion and see where it leads this country. I do n't want to advocate any longer. I do n't want to rage any more. I give up. Take all the houses, all the bank accounts and tax all the poor and middle income you want. Just give this one poor guy his deed in lieu so he can get on with his rehab, start a new chapter and hopefully live and die in peace.
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC (IL)

When I learned that my house was in foreclosure I was contacted through the mail by Core Advisory Group. I called them and they informed me that after doing an evaluation that they can help me save my home. They said the total cost for their services would be {$4400.00}. I gave them {$2000.00} on. XX/XX/XXXX15, {$400.00} on XX/XX/XXXX15, and {$100.00} on XX/XX/XXXX15 totalling {$2500.00}. The end results was my house was foreclosed on and Core Advisory Group never fulfilled their end of my contract agreement. And afterwards did n't return any of my phone calls! Therefore, I am requesting and believe I am entitled to a full refund. Due to their breach of contract regarding my case.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OK)

I contacted Wells Fargo Mortgage requesting help for a modification/refinance XXXX XXXX, XXXX. I was declined twice. My home preservation specialist advised me not to make 3 months ( XXXX, XXXX & XXXX ) of mortgage payments and he guaranteed me by skipping those three months would not harm my credit in any way since I was protected under the modification program. Everything was done verbally, never on paper. I was approved XXXX XXXX, XXXX. He verbally told me the terms : 3.25 %. The missed three months would be tacked to the end of the note and they had added a couple years to the term. The monthly payments were more than my original payment. I was assured that figure was incorrect but would be corrected and reflected on the final documents that I should be receiving in the mail shortly. He advised me to make the inflated " trial '' payments and not file an appeal. It took me several weeks talking with him to agree to the " trial '' terms. I expressed numerous times to resubmit with the correct amount or to at least send me documentation indicating the corrected amount. He stated that they do not send out " personal correspondence ''. On blind faith, I made XXXX, XXXX and XXXX payments but still had not received any documents. I called numerous time and they told me to keep making the trial payments until the documents arrived. They arrived XXXX XXXX, XXXX with the inflated payments and added terms. My loan balance was approx {$85000.00}. The terms were : 3.25 %. The same inflated monthly payment for 279 months- XXXX years equalling approx {$93000.00} AND THEN A BALLOON payment of {$51000.00}. I have talked to many employees at Wells Fargo since I received their paperwork and was told that new paperwork would be in the mail shortly with the corrected terms. I have called and emailed my new home preservation specialist trying to make a mortgage payment. She will not answer, she will not call me back or respond to any of my emails. My credit has crashed to XXXX and I am now 5 months behind on my payments. This makes it impossible to find a new loan from another bank. I filed a complaint in Wells Fargo and she has delayed the process and no longer contacts me. I have attempted to let them know that I do not agree to the terms. I am in default because they wo n't take payments / I was advised not to make 3 months.
Consumer complaint received 2017-01-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Management Group, Inc. (GA) (FL)

I PULLED A COPY OF MY CREDIT REPORT AND LEARNED THAT RECEIVABLE MGMT GROUP HAD PLACED A COLLECTION ON MY CREDIT REPORT. I HAVE NEVER ENTERED INTO A CONTRACT WITH RECEIVABLE MGMT GROUP VERBALLY OR IN WRITING.
Consumer complaint received 2016-06-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

A few years ago we re-financed our mortgage.This loan was subsequently sold to Wells-Fargo.We found ourselves over extended & filed Chapter XXXX in XX/XX/XXXX, signing to re-affirm our loan with Wells-Fargo.In XX/XX/XXXX , my husband became XXXX, so we lost his income until he was approved for XXXX ( about two years ) .In XX/XX/XXXX we were involved in an auto accident & I was injured.My income was lost for two months.My XXXX insurance did n't pay until after I returned to work.During all of these times, I contacted Wells-Fargo for help.They did a couple of " modifications '' which lowered the payment about XXXX dollar for a couple of months, then is would always go back up.They put us on a partial payment plan at one point until we got back on our feet, which was fine.I contacted Wells-Fargo subsequently, when things were going better for us, to re-finance through them.I was told that our loan was not re-affirmed in our Chapter XXXX, so they could not refinance.Since it was n't re-affirmed this loan does n't show up on our credit report.No one else will refinance because of this.We recently asked Wells-Fargo for our payoff and were shocked! Due to a large number of extra fees and interest, our payoff is more than our XXXX spoke to a realtor about the possibility of selling our home.Unfortunately, she valued the home at $ XXXX.Wells=Fargo shows our payoff at over $ XXXX.We are stuck with an underwater mortgage and a high payment & have no idea what to do.
Consumer complaint received 2016-06-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Management Control, Inc. (TX)

I heard from XXXX at " Credit Management Control '' this morning about a " XXXX XXXX '' account. She stated that there was NOTHING she could do to assist the problem ; she ca n't even provide a contract with my signature on it. 
I proceeded to call " XXXX XXXX '' directly and spoke with a Customer Service Rep. named XXXX. She stated that she also could not help me because there is no signature on a contract. She stated that someone called in and set up service over the phone. I reminded her that she had just informed me that ALL calls are recorded. I demanded a copy of the recorded phone call were someone called in and said they were me. She said she could not provide this. How is it " XXXX '' wants me to prove that I did n't make the call but " XXXX '' WO N'T prove that I did? I am filing a police report for identity theft TODAY, Monday, XXXX XXXX, 2016. XXXX said she would follow up with a call to me on Wednesday, XXXX XXXX, 2016. If I do not hear from her by XXXX, I am turning this whole matter over to an attorney and filing for damages and time lost from work. This has gone on for far too long and it is a complete violation of my rights.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I have disputed with Equifax a public record ( state tax lien ) on my credit report. I ordered a copy of my credit report and I saw an entry from XXXX court hourse. I contacted the XXXX clerk of courts and there is no state tax lien. The court does not report any information to the credit bureaus or anyone else and is unaware of what information the credit bureaus or anyone else may have obtained from public records which can be inaccurate. Equifax deleted my State Tax Lien and than within 2 days later added it back which is not allowed, and illegal without the credit burea sendiing me something in writing within 5 days. EQUIFAX already has a Federal Class action settlement ( Civil No XXXX MHL XXXX XXXX for this exact same issue.
Consumer complaint received 2017-01-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Springer Collections Inc. (OR)

This debt was paid 15 days after the original date of service, we have disputed with the original dental office and with the collection agency, no 14 months after they reported to my credit bureau as a collection with a " dispute " listed so they knew there was a issue before they even tried to report to credit not only was this paid but it was paid twice and some refunded due to there collection activity The original date of service was XXXX original payment received and cleared from XXXX on XXXX overpayment notice received on XXXX from XXXX XXXX XXXX paid bill a third time Final collection notice from XXXX on XXXX ( after payment received ) spriniger collections letter XXXX and XXXX fax confirmation proofing payment and over payment confirmed by springer collections XXXX springer collections reported to my credit as a disputed collection even thought they have confirmed verbally multiple times payment was received by XXXX and confirmed that they had received the fax proof to them, they gave reassurances that they would take care of the issue with the dentist office and it would not affect credit then went and reported it
Consumer complaint received 2016-07-13
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

ACE payday loan said that I owe {$940.00} but if I paid them now it will be {$300.00} everytimethe e-mail me it a difference figure. Them me to go and get a XXXX gift card but I will not do it because I think it is a scam.This said them was going to take me to court and then it will be more. 
Thank! 
XXXX XXXX
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting a Tax Lien that do not belong to me. I have contacted the courts and they provided me with a letter that stated that they did not provide this inaccurate information to Transunion. Please assist me in getting this Tax Lien removed from my credit file. Also, I noticed that the date on this account is outdated. This shows that Transunion has several violations with regards to this account.
Consumer complaint received 2017-03-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Farrell Holdings, LLC (AZ)

I purchased a car from XXXX XX/XX/2016. They had me finance through prime acceptance. The title to the car was never supplied. In a year and three months through 2 bonded title processes and making a complaint with the MVD, i drove around on a dealers plate, 2 90 day tags, and 3 30 day tags the company went out of business. The finance company repossessed my car three days ago stating the claims was because of 2 late payments. However, the title had never been furnished for me to get hard plates. And the car went to the auction the next day. I was told the only way I could get the car back was to make the full payment on the loan. Will from prime acceptance told me that they ship their cars out of state.
Consumer complaint received 2016-05-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (CA)

I have auto loan with Santander consumer, USA. I got in a hardship situation, I lost my father, lost my job. I kept in contact with Santander and let them know my situation and they understood. I called them and they called me as well. On XXXX XXXX 2016 I talked to XXXX in the president department of Santander. He told me that If I made payment {$1000.00} that the day and then 10 days later paid {$350.00} that I would be back on track and then just make my normal monthly payments. Later, I found that they had charge off my account and they will not be reporting my payments. I called them again and talked to XXXX and ask him for supervisor. XXXX said let me know try to help and if I do n't resolved the issue then I will give you to my supervisor. I told the situation and he went to talk to XXXX and came back and said their was nothing that they can do or change the charge off your credit report. The problem I have is it was not charge off when I was talking to XXXX but now it is they put XXXX XXXX on my credit report. I had made agreement with them and I stuck to my agreement and did what we agreed to. I do n't understand how they can charge off my account with me keeping my car. I need to know what my rights and what I can do about this situation. I have recently went through the reviews on this company and see that they do this to a lot of people and also not give them their titles when the vehicle is paid off. I have had problems with they trying to charge me last year repossession fee when they never repossed my vehicle. I want to filed a complaint on Santander Consumer, USA
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

When trying to refinance my house, the lender ran a credit report that contains erroneous derogatory information. The collections company claims my information matches theirs, except for mailing address and they let me know who the party was who sent me to collections. I have had no dealings with the party, a law firm, who sent me to collections. I fear this is a case of an error, mistaken identity, or identity theft.
Consumer complaint received 2017-01-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is guilty of conducting Trustee 's Sales without the authority to do so. In this instance, Bank of America has failed to secure the XXXX Grant Deed with the subject property. Therefore, Bank of America and the current trustee, XXXX ( XXXX ), can not collect any existing debt through the sale of my home and private property. Furthermore, while there is evidence of an existing Grant Deed of XXXX through a recorded document, neither myself or Bank of America have been conducting transactions under ther terms of the XXXX Deed of Trust. Therefore, no default can be had or may be claimed on the XXXX Deed of Trust. Just to be clear, neither Bank of America or XXXX hold the power of sale under the XXXX Trust Deed in which the XX/XX/XXXX Notice of Default ( NOD ) and the XX/XX/XXXX Notice of Trustee Sale ( NTS ) has been associated with and recorded. And now, from this point forward, Bank of America and XXXX can not claim ignorance as to this fact and any action from this date forward will be fraudulent in nature and scope as well as evidence of a Racketeer Influenced Corrupt Organization ( RICO ) banking, mortgage, and real estate enterprising scheme intended to defraud honest, law abiding, and unsuspecting good folk of their homes. 

Trust Deed ( Deed of Trust ) is a written instrument by which title to land is transferred to a trustee as security for a debt or other obligation. 

Uniform Commercial Code Financing Statement ( UCC FINANCING STMT ) is a mortgage or security agreement using personal property as the collateral. These agreements are recorded in county if real property is affected. 

Trustee 's Deed is a Deed given by the trustee when property is sold under the power of sale in a trust deed. 

Since beginning the loss mitigation process with my request for mortgage assistance ( RMA ) in XX/XX/XXXX, Bank of America has done everything to separate me from my home.rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( NMS ). Bank of America continues to refuse to make the requested corrections of the errors made knoen to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America ; Bank of America defaulted on me!