davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

SLS - The mortgage still shows in the deceased name. A modification was applied for and denied, the XXXX is the eldest daughter. SLS can not prove the notice of intent was served to the XXXX because the letters and mortgage are still in the deceased name. No assistance from SLS when modification was denied - XXXX XXXX medical issues. Due to the irregularity in the notice of foreclosure, the foreclosure should be postponed and mortgage statement is placed in the XXXX of XXXX and XXXX is allowed to make the decision to short sale the property. The wife and XXXX daughter occupy the home - the youngest is UNDER XXXX. Also, this is a HURRICANE DISASTER ZONE. A furlough on all foreclosures in this area was required by the CFPB for 90 days. 

Since there are numerous irregularities on the title, the foreclosure is invalid. Especially because the home is in a XXXX Disaster XXXX. 

The previous CFPB complaint was rejected by SLS stating no authorization. Since a modification was file and I will attach evidence, that is not true. I did email and fax in authorization for me as the attorney on record.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

I am filing a complaint about the reporting of late fees on my credit report by Navy Federal Credit Union. I have reviewed my account and records and have identified that there has been a breach of my consumer rights under federal law, specifically concerning the sharing and reporting of my financial information without my explicit consent. Upon investigation, the following issues was noticed, 1. Unauthorized Reporting of Late Fees : Late fees were reported to the credit bureaus without my consent, violating my rights under the Fair Credit Reporting Act ( FCRA ).

2. Violation of Permissible Purpose : Under the FCRA ( 15 U.S.C. 1681b ), there must be a permissible purpose to report any consumer information to credit reporting agencies. I never provided express consent or authorization for such actions in this context.

3. Negligence in Proper Communication : Under 15 U.S.C. 1681s-2 ( a ), creditors, including Navy Federal , are required to ensure the accuracy and integrity of information they provide to credit reporting agencies. The late fees reported were inaccurate and unfairly damaging to my credit standing.

4. Failure to Notify and Obtain Consent : According to the Consumer Financial Protection Bureau ( CFPB ), credit institutions must notify consumers if there are any adverse actions regarding their credit. I was never notified, nor did I sign a consent form to allow this reporting of late fees.

This unauthorized reporting has caused significant damage to my credit score and financial well-being. I am requesting immediate action to remove the reported late fees from my credit report, cease any future reporting of late fees or any other financial information unless proper consent is obtained, and provide written confirmation that this issue has been resolved within 30 days of receipt of this letter, or I will escalate the matter by filing a complaint with the Federal Trade Commission, and considering legal action under the FCRA.
Consumer complaint received 2017-09-29
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 — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC (FL)

In XX/XX/XXXX, I contacted XXXX XXXX XXXX in regards to attempting to settle the charge off balance we had with their company. On that first call, the XXXX representative stated our loan was marked as one of many to be XXXX out and removed from our credit report. They stated it had something to do with a class action lawsuit that XXXX had lost. Since then, we have called numerous times and each time the answer is the same, they are working on it and it will be done shortly. Finally in XX/XX/XXXX, I received a letter dated XX/XX/17 stating they had adjusted my balance to {$0.00} but nothing in regards to the removal. When I called back, again they say they are working on it. This has gone on for several months now and is affecting us from buying our new home in XX/XX/XXXX.
Consumer complaint received 2017-05-19
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc. (NJ)

My father XXXX XXXX took out a reverse mortgage in XX/XX/XXXX. In total he received approximately {$350000.00} for his home on XXXX XXXX XXXX, in XXXX XXXX, NJ XXXX. He passed on XX/XX/XXXX. The buyout is currently {$620000.00}. The loan was originally with XXXX and now is served by RMS. First off the amount of interest charges seems very excessive. Secondly, he was told that we would have at least one year after his death to either sell or refinance the home. RMS has aggressively been trying to force me out and have repeatedly threatened with foreclosure and legal action. My father has been deceased for less than three months. As a result of their tactics, I have been forced to obtain legal council on my own. My attorney XXXX XXXX, who specializes in real estate has told me she has never seen anything like this.
Consumer complaint received 2017-05-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Absolute Collections Corp. (CA)

keep receiving numerous calls daily from  XXXX   Absolute Collection Corp  or they use different numbers to call. They have called people that I have never used as a reference  ( my ex-husband which we have been divorce for 17 years ),  my ex-mother in-law, my job, my siblings and even my   XXXX    kids. They leave threatening message about having me arrested and that someone is coming to the house at a certain time and I better be there. they told my ex-husband they had repo my ca r (  not true ). My family is worried and I am concern they will give them money thinking they are helping me. I have told these people before to leave my family alone, but they do n't. I receive calls 7 days a week and they are now contacting me at work. I called the police and an officer came and tried calling the number and they hang up. They have no right to disclose my personal information and call people I have no contact with or provided the information to them.
Consumer complaint received 2017-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (AZ)

I spoke with this company MULTIPLE times where I was dealing with XXXX Directly. XXXX has informed me multiple times that we are handling this together. And this company keeps calling me and telling me I need to pay them. And they give all information over the phone, they even told my sister my social security number over the phone. REALLY!?!? That is not professional, what if she didnt even know me. They have NO BUSINESS putting this on my credit report as I am not doing business with them NOR do I owe them ANY MONEY!!!!!!!!!!!!!!!!!
Consumer complaint received 2017-09-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I sent an investigation request to the credit bureaus on XXXX XXXX. Its been almost 60 days, and I have yet to receive my results.
Consumer complaint received 2017-09-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent an investigation request to the credit bureaus on XXXX XXXX. Its been almost 60 days, and I have yet to receive my results.
Consumer complaint received 2017-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

My loan was put into deferrment without my permission or knowledge. In the process of doing this they increased my interest rate. When I called and told them to change everything back to the way it was, my payment amounts and terms are different. This is unacceptable and should be illegal.
Consumer complaint received 2017-09-29
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: EQUIFAX, INC. (MN)

Equifax was hacked and inappropriately withheld the knowledge of this from the public for an unacceptable amount of time. The executives reportedly made stock changes prior to the release of info and now the CEO has exited and likely with a golden parachute that allows him to not lose any money. 

I have no choice but to allow this agency to have my most protected information. It was their duty to ensure it 's safety. Now I can get a free credit freeze from them but need to pay every time I want to release it if I am utilizing credit. I 'm a young adult who plans to utilize credit and should be able to without a {$10.00} fee let  alone any fee to release this " free '' freeze. The current model means they have actually generated business for their company. Sickening. More upsetting is that my credit is n't even the only area that may be compromised now. People may have my identity to make fraudulent insurance claims, etc. Where does it stop??? XXXX has a great interview about the scope of this issue and it should concern anyone who has the ability to hold this company accountable. Those in charge have a responsibility to the victims of this data breach and to change the industry going forward. 

This company has to be held accountable.
Consumer complaint received 2017-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I was full time in college for four years 3 and a half hours away from home and was not working because I was in school full time. I got the loans through XXXX XXXX in which two of them were then turned over to Navient (I had no idea). All of a suddent, I randomly started being harrased via telephone stating I had to pay X amount of money OR ELSE. This happened about twice a day for maybe 3-4 months. They would call asking for my credit card information which I never gave because they never sent me anything via mail as requested before I just went and gave out my credit card info. Eventually, I received a letter from an asset management stating my 2 loans totaling close to $XXXX were WRITTEN OFF and my credit became a XXXX. I never started to build credit and when I went to go get a car loan was denied because of the charged off loans. I am now XXXX years old and can not get a car or an apartment because of my student loan WRITE OFF. Obviously I would have paid the payments six months after graduation as that is what I signed up to do. I try to contact Navient because the Department of Education is stating they have my loans and after waiting for almsot half an hour EVERYTIME to speak to someone at Navient, they say they have no record of anything for me. I even just received an email from Navient on XX/XX/2017 seeking payment but when I call they have no information. I do not know where to turn or how to get help. I feel so lost due to this issue and literally can not even move out or get a working car because of this. SOMEONE PLEASE HELP ME.
Consumer complaint received 2017-09-29
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: Experian Information Solutions Inc. (MI)

I experienced a financial hardship several years ago. My home loan was originally with XXXX XXXX XXXX ( XXXX ). XXXX transferred my first and second mortgage loans to XXXX. XXXX and I agreed to a settlement for my second home loan. I had to pay {$14000.00} within 12 months and they would write the rest of the loan off and send me a letter for the credit bureaus to fix my credit. XXXX kept their word. However, Experian and XXXX refuse to adhere to the letter. I have been mailing the same document to them for a year and they still refuse to remove the negativity from my credit report. How should I proceed?
Consumer complaint received 2017-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

A fter Ocwen Loan Servicing ap proved our short sale on  XXXX / XXXX / 2017  we informed them that the buyer at the time was not working out on  XXXX / XXXX / 2017 . They told us that they understood since this is something that happens all the time and then gave us a list on what we needed to change the buyer out on the same day  XXXX / XXXX / 17 . We completed all documents on  XXXX / XXXX /   17  less than a month after receiving the approval. We were told that it would be a quick and easy process since we are keeping the same price and terms and only switching out the buyer but weeks have gone by and nothing. Matter of fact they are now asking us to resend documents that we previously submitted for the same approval. They are not honoring what they said they needed They are setting us back to restart this short sale and possible cause this buyer to walk away and have this clients property to go to foreclosure sale.
Consumer complaint received 2017-09-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

In 2015 I lost my job 3 days after my first mortgage loan payment on XX/XX/XXXX. I spent 8 months without a job and early XX/XX/XXXX I fell behind on my loan payments.  As a result, my original loan was refinanced and payments under the new loan started on XX/XX/XXXX The XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX were applied to the old loan. By XX/XX/XXXX XX/XX/XXXX according to Penny Mac records I was 2 months behind. Issue solved and registered for auto-draft. Ever since then, every month I have to call because they draft the money from my account but for some reason they put it on hold and the money never gets deducted from my account unless I call and curse and swear to somebody. Today I received a call that I didn't pay XX/XX/XXXX XX/XX/XXXX. I'm pretty sure I called onXX/XX/XXXXto check on my account. Same thing... lady told me money was drafted and put on hold. But the person that called me today says the money was applied to XX/XX/XXXX and not XX/XX/XXXX. I have talked to collection agents, supervisors, they transfer me to a complaint division of some sorts... and everyone promises to fix the problem and it's been already a yr and problem hasn't been solved. I think that the money they had put on hold for XX/XX/XXXX was applied to XX/XX/XXXX instead. I'm pretty sure that I called on XX/XX/XXXX to check on the status for XX/XX/XXXX payment... and still, they messed it up. Don't know what to do anymore.
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have been a long time credit card holder for over 10 years, of the same two accounts with Capital one. I have encountered a financial hardship due to loss of income and have tried contacting Capital one via phone seeking help to lower the interest rate on my credit card and receive some help with the removal of the late fees and fee penalties applied to my account however I have not been able to get through on the phone. My current phone number has been disconnected due to non-payment and I have to use someone else 's phone to reach out for help. I am in need of some assistance to bring my accounts ( there are 2 ( two ) different credit card accounts in my name only ) current and remain a good standing customer.
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TX)

XXXX. XXXX my Mother and her husband bought a home at XXXX XXXX XXXX XXXX XXXX, XXXX The mortgage company was XXXX mortgage. They signed the loan documents as husband and wife.. In XXXX the husband decided to go to California and deeded the home to my mother. He returned about a year later and lived there until he developed XXXX in XXXX. At that time I took over the mortgage payments and kept the loan current and provided insurance coverage. In XXXX XXXX the husband died. XXXX XXXX XXXX soled the mortgage to CMLTI mortgage company..I kept the loan payments to XXXX current. XXXX XXXX Fay Services bought the mortgage. This is where the problems began.Faye services changed to ownership of the home and responsibility for the mortgage form my mother to her deceased husband. Fay refused to discuss correct this and refused to discuss with us on numerous attempts we made to talk with XXXX XXXX and XXXX XXXX loan officers. Because they would not tell us the current amount of the loan balance or amount of payments. We paid the same payment as was required by XXXX All XXXX taxes were deferred by the county because my mother is XXXX. Fay set up escrow for taxes despite the fact that the taxes were XXXX Notice was sent to the husband 's family showing he owned the property. His family immediately filed a probate lien on my mother 's home. We hired a lawyer. Fay would not cooperate with him.. Faye cashed our checks and this loan should b up to date. We received a notice from Fay advising that if we do not pay and additional {$20000.00} by XXXX XXXX they would foreclose on my XXXX XXXX XXXX mother 's home.. There are XXXX complaints against FAY services with the BBB and more with Texas Dept of Savings and Mortgage Lending.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have been a victim of identity theft in 2002 once i been came XXXX. My purse was stolen that had mi bank account information, social society card, birth certificate, driving licence,. I file police report and close my bank. It have been many many checks written out in my name and number loans, cell phones account been open in my name, cable bills in my name student loans n my name. All items are unpaid and on my credit report and under my driving licence. I have contact all XXXX credit bureaus along a credit repair XXXX XXXX and ask all XXXX credit bureaus ro remove all negative items off my credit report. They have yet to remove items. Saying all items was mines. So ask someone please ask them to remove these items. Some items been over the seven year time frame. They have my credit horrible saying thing like i have charge off account and account not paid as agreed. I 'm XXXX years old XXXX mother and i ca n't get anything for the things that on my credit report that not mines.
Consumer complaint received 2017-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

I visited XXXX XXXX XXXX on XXXX/XXXX/XXXX and paid my co-pay at the time of service ( see attachment ). It was {$50.00} for a specialist visit and that is not in dispute. This was not submitted to my insurance company by them until the following year in XXXX of XXXX. In the meantime XXXX XXXX XXXX provider ) changed entity names and billing systems at the end of the calendar year XXXX ( or so I was told by their representative ). My employer based insurance changed to XXXX in mid XXXX XXXX when my employment ended. There is no dispute with the insurance carrier XXXX XXXX XXXX 
I was billed again for the same visit in XXXX XXXX which I mistakenly paid, then realized my error when my Explanation of Benefits ( EOB ) did not add up to XXXX XXXX billing. They continued billing me the {$50.00} charge for this service date until I contacted them in XXXX ( see attachment ) and explained I had paid this twice and it was not being correctly applied. Eventually in XXXX XXXX they found the payment had been misapplied and ultimately credited me the {$50.00} owed back. I thought this issue was resolved. 
Then yesterday I receive a Credit Collectors notice ( see attachment ) for payment of this same bill for that service date. I have contacted XXXX XXXX again today and they said it was misapplied and would attempt to correct their records. I have no faith in their ability to resolve this without monitoring/enforcement by appropriate agencies such as CFPB. This has resulted in me spending many hours to resolve their billing problem and no assurance it really is resolved. I 've requested a detailed billing from them on payments/bills from the XXXX qtr of XXXX through XXXX qtr of XXXX. But I had done this before earlier this year evidently to no avail. Please follow up with them to help me resolve this issue completely. Thank you!
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I notified XXXX  credit card department, run by XXXX XXXX  of fraudulent charges made in XX/XX/XXXX. I received an e-mail confirmation from XXXX for an online purchase that I did not make and called the company immediately. Several additional charges were made before the account was closed. The account was eventually closed and the balance was transferred to a new account. I confirmed my portion due and paid in full. I was under the impression the issue was taken care of by the end of XX/XX/XXXX. XX/XX/XXXX I ran a credit report and found late charges associated with the account with fraud. I was never notified of a remaining balance. Since XX/XX/XXXX I have called 10 times to resolve the issue. I have requested to speak with a supervisor, I was told none were available but my request would be passed on and I would receive a call back. I never have been contacted. I am filing a complaint now for two issues : 1. Every time I call for an update on the issue I am provided different information. I am never allowed to speak with a supervisor or the investigator on my account and I never receive a call back. 
2. My credit report is reflecting a failure to pay, which is incorrect, thus affecting my ability to be approved for current credit requests. I am trying to move and the negative credit score is impacting application approvals. 


initial fraud charges : {$16.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$79.00} on XX/XX/XXXX Since the credit report ran on XX/XX/XXXX, when I realized there was an issue, I have spoke with XXXX on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX