davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Cascade Capital, LLC (VA)

I started having my wages garnished by a law firm for a 5 year old auto loan. The court order for wage garnishments was obtained by the law firm in a county I have NEVER lived in. Additionally the law firm misrepresented the owner of the debt by saying it was owned by XXXX ... It was not until we called Santander to find out it was sold to Cascade Capital, with whom I have never had any correspondence from or notice that the debt was sold to. 

I was never served any notice. I was never given a chance to represent myself in court. Now my paycheck is being garnished ... I have Child support to pay out ... Bills to pay ... I 'm just trying to move on from what happened years ago and this company just started stealing my paycheck. I feel like I 'm never going to recover ... 

I never had a chance to appear in court ... I was blindsided since I was n't served any notice. And I feel like I 'm going to just keep drowning in debt because what happened five years ago continues to ruin my life. They refuse to provide me any of the payment history or account notes. I have no proof of where they are getting the figure for me on ... How can they obtain a judgement for me when I do n't even know how it 's so high? Is it even legal to collect on debts this old? Or am I going to keep being harassed and punished for losing my job so many years ago .... They already repossessed the car 5 years ago ... Why are they coming back for more money again ... Was n't that enough?
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (UT)

I got a consolidation loan from my credit XXXX XXXX XXXX XXXX. They submitted a payment for {$3800.00} which was an overpayment of {$29.00}. I received the refund check, but account not closed. Phoned three times, wrote and chatted two times recently. Still have n't closed, saying it needs to stay open for two credit cycles. Now they have charged {$3.00} on cash advances! I wo n't pay it. XXXX when check was overnighted, requested account to be closed!
Consumer complaint received 2016-08-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

My mortgage was bought out while I was in a mortgage reduction I obtained after filing chapter XXXX bankruptcy, We were with XXXX XXXX XXXX at that time. Our mortgage has been sold or transferred 4 times. Ditech mortgage obtained us at the end of the bankruptcy and mortgage reduction. We have paid out payments on time ever since we got the reduction. Well our bankruptcy discharged XXXX/XXXX/15 and they have not released us. I can not view or get any information from them concerning payment history, payoff, general info. I have spoke with them on numerous occasions, twice a week for a year, they have not taken any action. When I call, I am on hold over an hour just to speak to anyone. They told me the audit was complete and they were waiting for a super to sign off the last 6 times I called. I ask to speak with a supervisor, none could speak to me. I have wrote emails also, no action. I am now refinancing with XXXX, all is approved, but we need payoff letter, no response to XXXX or myself for 2 weeks, and I 'm about to lose my rate. Please help!
Consumer complaint received 2016-08-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Certified Services, Inc. (IL)

My XXXX year old son visited XXXX in XXXX, IL. At his 10 minute XXXX it was determined that they could not help him and told him to go someplace else. No mention of any charge was made and no co-payment was collected. He left thinking that it was the end of it, but a year and a half later, I received a bill from a collection agency for {$310.00}. During this time I had not received a itemized bill or any communication from them. He has not received an itemized bill or any communication from them. When I called to complain to Certified Services , Inc . I was told that they do n't have to bill you and they can turn you into collection the minute you walk out the door, if they want to. 
And, they can turn you into collections up to 6 yrs later if they feel like it. 
I do n't feel that it is good business practice to turn someone into collection, a year and a half later after absolutely no billing or communication whatsoever. I even question whether this is legal.
Consumer complaint received 2016-08-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (OH)

i purchased a 2009 Hyundai sonata from XXXX XXXX XXXX XX/XX/2016 my down payment check bounced due to insufficient fund of XXXX dollars i was financed through regional acceptance corporation with a car payment of XXXX currently I 've had the vehicle 90 days and agreed to pay car note until i found out registration or vehicle is not titled to me on the memorandum title to obtain hard plates, i was told the vehicle is still in XXXX 's name even though i 'm currently approved for a XXXX dollar loan i was contacted by XXXX police also about the check, XXXX states give them regional 's money and the XXXX making a grand total of XXXX or there is no deal! i disagreed with that amount and was told return the vehicle, i said OK but only if the loan is being canceled so i can submit a new deal somewhere else, i went to another dealership and tried to purchase another vehicle for the same amount with a new credit application and it was denied because i 'm still being told if i give this car back it is a voluntary rep o, when that 's not the case i feel 90 days is more than long enough for a vehicle to go in your name also XXXX lied and told regional that the car was in my name when it 's clearly not, the police has called everyone on my credit application, also the fact that my check bounced do n't make me a criminal the account is still open and active and a direct deposit went through that same month bank had took my check due to fees a payment arrangement could have been made with XXXX but now the situation has went too far. i would like to be done with XXXX but in a civil manner and not at the expense of my freedom or me not being able to purchase at a different dealership or bank.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My mother, XXXX XXXX XXXX passed on XXXX XXXX, XXXX. I am the Successor Trustee Of The Estate, The XXXX XXXX XXXX Living Trust. SPS acknowldege me, and approved me for a Trial Modification Home Retention option, in which correspondence I uploaded dated XXXX XXXX, XXXX, and I complied with the Trial Payments. On XXXX XXXX, XXXX I received the permanent loan modification documents, in which I signed the agreement and sent back to SPS on a timely manner, uploaded the Permanent modification documents. XXXX XXXX, XXXX after I complied with the trial period payment, after I signed and sent back the agreement SPS sent me I received correspondence from SPS informing me They were NOT going to go through the Home Affordable Modification, which agreement I accepted, signed, and sent back, because they are unable to verify my identity. Mind you, I complied with everything that was asked of my, documents, payments, and they breached the agreement we reached. On XXXX XXXX, XXXX I received correspondence from SPS returning my first permanent modified payment to me. I am at loss for words with all that has happened and continues to happen. I am now facing foreclosure because SPS decided to renege on the agreement reached in which to I signed acceptance to, and payments were cashed. Please help me avoid foreclosure.
Consumer complaint received 2016-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (GA)

Please be advised on XXXX I mailed XXXX correspondence advising them that I do not have a contract with their company and if so I would need a copy along with any other information I signed with them! I received a letter from XXXX Attorney XXXX with information regarding a debt I had with XXXX and not XXXX! As I stated to XXXX they have not produced a contract I have with them! I stated to them in my letter if they are claiming they received all rights of interest because they purchased the debt then they are in breach of the contract because they will never fulfill the original obligations. Furthermore I as a consumer can not be forced into a Contract with anyone under my consumer rights. If XXXX can send me documentation that I signed a contract with them that would be what I would like to see! To top it off I received another letter from XXXX Attorney wanting to collect on the debt! So now they are violating the FCRA 2 companies with no Contract with me trying to collect a debt! Double jeopardy!
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

The description provided is a brief explanation of what happened. I have attached copies of corresponsdence between Ocwen and I which outline the specifics of my claim along with supporting documentation. Please refer to the documentation for more details. 

Ocwen erroneously expedited my 10 year interest only loan by demanding that I make a full principal and interest payment as of XXXX XXXX, 2015. Not only did Ocwen 's claim violate the terms of the mortgage note agreement but their blatant disregard for their error is unethical and dishonest.
Consumer complaint received 2018-04-27
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: EQUIFAX, INC. (NC)

I reviewed the XXXX credit report I had ordered on XX/XX/XXXX and I saw an entry from XXXX/XXXX. I contacted XXXX   on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information on this item has been updated. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter.

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If Equifax has deleted it and I sent you information, then it is XXXX XXXX obligation to maintain accuracy. 

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( XXXX & Equifax ). XXXX nor Equifax didnt provide it. As I believe all of them are still using XXXX to verify when that has been ruled not to be verification. I also wrote XXXX/XXXX on XX/XX/XXXX and they never responded as well. With no response to me how is it that this is still verified. What were they getting that I wasnt that XXXX  refused to share with me the information that was in my credit file showing where they did a full credit investigation as I requested by law. 

All this correspondence I will be including for you as well. I am including the letter I had asking them to remove that as well.
Consumer complaint received 2016-08-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

Roughly nine months ago I began seeking a short sale approval on sale of a XXXX family home that I own. Its a XXXX XXXX backed mortgage with Wells Fargo. Wells Fargo dragged out the approval process for about nine months. They would ask for single documents every three weeks instead of asking for everything they needed. The requests were often cryptic to the point that Wells Representative assigned to me did not understand the request by the processor, or in some cases they would request the same document multiple times. Finally 4 weeks ago they send they would do an appraisal, the XXXX one, since the XXXX one was done so long ago. Instead though I received a rejection notice with a reason that makes no sens, and nobody else can or is willing to explain to me. 

I feel they purposefully strung us along during the process. As does my realtor/lawyer in the attempts to get us to pay as much money as possible. I am not in a position where I can default so my only option is short sale. 

The property is under water by XXXX. We have tried to make the property work by renting it but the neighborhood has gone down hill so much it is impossible to keep good tenants or even find them. The property needs repairs but being XXXX underwater it makes no sense to fix anything. We desperately need relief on this property.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

Monday, XXXX XXXX, 2016 I am not agreeing to pay for errors made by Wells Fargo in setting XXXX sale dates for my property which when challenged led to the withdrawal of those sale dates. 

Wells Fargo has had to withdraw these XXXX sale dates placed on my property because they were in error when the dates were set and because they have mismanaged the servicing of my loan and my request for mortgage assistance. As the lender is well aware, they had to withdraw sale dates set for XXXX XXXX, XXXX XXXX and XXXX XXXX, 2016. 

I do not expect nor will I accept the costs associated with these XXXX sale dates to be added to my loan. I am disputing any charges for these XXXX withdrawn sale dates and expect Wells Fargo to confirm here that no charges will be made to my account for this purpose. 

XXXX WITHDRAWN SALE DATES A TIMELINE OF COSTLY DELAYS & MISMANAGEMENT In spite of the fact that XXXX XXXX XXXX XXXX XXXX ( XXXX ) had already pushed back a XXXX XXXX, 2016 sale date due to servicing errors and received written confirmation dated XXXX XXXX from Wells Fargo that I had until XXXX XXXX to provide documents according to a checklist they provided, Wells Fargo still set another sale date for XXXX XXXX, 2016. 

When XXXX challenged the lender 's basis for setting a third sale date, Wells Fargo withdrew the XXXX XXXX sale date. 

In. XXXX XXXX letter, XXXX XXXX XXXX states that no sale date was in effect when in fact her office had set a sale date for XXXX XXXX. On XXXX XXXX, she stated that only XXXX document was needed to complete my loss mitigation package and that document was provided to her during the call with XXXX XXXX XXXX, XXXX. of XXXX. XXXX challenged the XXXX XXXX sale date and it was also cancelled. 

On XXXX XXXX, I wrote Wells to follow up on my request for mortgage assistance. XXXX XXXX XXXX called me soon after to tell me a sale date had been set and that he was escalating inquiries about my application. Subsequently, the XXXX XXXX sale date was withdrawn.
Consumer complaint received 2016-08-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (MA)

Stopped payment from checking account on XXXX XXXX, 2016. TD Bank went ahead and accepted payment on XXXX XXXX, 2016. When payment was returned they charged me a {$35.00} overdraft fee. When I objected to this fee they refunded the fee because they were in error. Now they are trying to slip by another fee, a maintenance fee, because when they processed the stopped payment the account also went below the monthly minimum balance. I object to this scam as it is clearly a way to extract additional fees.
Consumer complaint received 2016-08-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (MA)

The payments I counted on to meet my budget was confirmed by the bank. It was not until later that I was made aware that the payment had changed to an amount that I can not afford. All documentation that was given to me when I signed the mortgage showed a payment of {$1000.00} And that payment would be barley manageable but I could budget for that amount. The new payment that they are requiring is not affordable. Had I known what this new payment would be before the closing, I would not have signed the loan. 
I do not want to lose my childhood home and am looking for someone to possibly help me.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I contacted Capital One to pay the balance of a credit card that had been charged off in 2010. I was instructed to speak with their legal council ( which I did ) and was offered a settlement amount. I was told that upon receipt of payment, Capital One would update the balance of the credit card to {$0.00} and that the account would be considered paid in full. I was also told that the judgement that had been entered against me would be removed. Neither of these actions has been taken and the credit reports with all XXXX bureaus still list the account as having a {$4200.00} balance and lists my credit utilization as 117 %, which is not correct. I disputed this balance and received notification from all XXXX credit bureaus that Capital One had reported the balance as {$4200.00} even though I already made the payment and they agreed to mark the account as paid in full with a {$0.00} balance.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UMB FINANCIAL CORPORATION (IL)

QuikTrip corporation changed credit card issuer from UMB Bank to XXXX XXXX XXXX XXXX. Unlike others who have changed XXXX XXXX wanted me to reapply for QuikTrip card. I had been with QuikTrip for over eleven years and had a great track record of paying my bill. I know that come XXXX XXXX, 2016 my credit card account with QuikTrip is over. When it hits my score will drop again because its an old account almost eleven years. Other cards I have change issuers and they just sent me out a new card. I guess QuikTrip just wants to throw out all those loyal customers that do n't deserve their loyalty. This is the way QuikTrip does business I guess.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have had numerous problems with OCWEN since they have taken over servicing my home mortgage loan. The problems relate to how OCWEN services and applies payments to my home mortgage. I have my mortgage payment set up to automatically be sent by my bank in two payments each month, the first of which is held in suspense around the XXXX of the month until the XXXX payment is sent in by the XXXX for the total monthly payment. On multiple occasions when the 1st payment was received by OCWEN before the XXXX of the month, rather than placing it toward my next monthly payment they would apply it toward my principle. I typically would n't discover this until my next monthly payment was listed as being late and I would have to call to get it corrected. Even though multiple times I asked for them to note on the account about how to credit my payments, I finally had to adjust my 1st monthly payment to prevent it from happening. I never had this issue with any of my previous mortgage companies. The latest issue I had is that I received a notice of a {$1600.00} escrow shortage. I went online to OCWEN 's website, there is no escrow information available and no reference to my escrow shortage. However, there was a place to make a one time direct payment toward my escrow. I made a payment which was credited on XXXX XXXX. On XX/XX/XXXX I received another escrow analysis document and today I found out that rather than applying it toward the escrow shortage, it was applied toward a monthly mortgage suspense payment. I again had to call OCWEN to get the payment reversed today, which they are doing, but it will take at least a day to reverse the payment and another 5 days or more to re-analyze my escrow account. 
I have had more issues with OCWEN servicing my mortgage than any other mortgage company I 've ever dealt with.
Consumer complaint received 2016-08-22
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Assured Financial Partners (TN)

The associate at First Equity Alliance was very condescending and spoke over me in my attempts to get documentation mailed to me for confirmation. He was very rude and unprofessional. To act as if they are mediators yet berate the consumer is uncalled for.