davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (FL)

I received a mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with my Mother. 
XXXX I was layed off and gotten sick could not pay make payments. 
1. Being sued by PHH mortgage XXXX to foreclosure. 
2. They have no assignment of mortgage. 
3. PHH Lost Mortgage 4. PHH Lost Note 5. False statements at filing XXXX 6. Stating they are a govenment agency to the court ( PHH is not a govement agency ) 7. Having so far XXXX men try to break in with out a judges order and one broke in looking at me in my bed. Very dangerous threating actions to myself.. 
8. With me living in condo putting a notice on the door this is a vacant propery ( Lie ) PHH paid company then to brake in to change locks according to sheriff without judges orders. 
9. Will not give me a payoff in a timely manor ( I had to accept offer to sell without knowing what the payoff was. ( XXXX XXXX ) 10. Would not allow any mortgage motifications just wanted me to short sale only. Just was offered that by PHH attorney today XXXX/XXXX/XXXX they will not correct attorney billing and fees. ( They just want the condo and will not let me sell it so far ) False filing in XXXX then in XXXX that is 13 years later after mortgage taken out filing a assignment without notice covering up. 
10. Excessive attorney fees and me haveing to paying for men to threaten me ( very weird ) break in and threaten me? 
Need your help possible HUD, RESPA, TRUTH IN LENDING VIOLATIONS, MORTGAGE FRAUD NO ASSIGNMENT FOR 13 YEARS, UNITED STATES COMMERCE ACT VIOLATIONS, BANKING VIOLATIONS, HARP WILL NOT LET US PARTISPATE, ELECT. FEDERAL VIOLATION FILING WITH LOCAL COURT, TRIAL DENIED, SELLING TO XXXX XXXX WITH FALSE DOCUMENTS ( NO ORIGINAL DOCUMENTS NO NOTE, NO MORTGAGE, NO ASSIGNMENT ) XXXX XXXX UNDERWRITING NON COMPLIANCE.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax is continuing to report inaccurate information on my credit file. There are XXXX state tax liens that are satisfied and paid. XXXX # XXXX XXXX Co Court {$42000.00} # XXXX XXXX County Court for the amount of {$44000.00}. I have never owed these amount. Equifax is still showing a balance due on these state tax lien. 
According to FCRA 611 ( a ) if consumer reporting agency can not validate the information in their files or to furnish the source of their information, the credit reporting agency must deleted immediate from consumer file. After many attempts to get information from Equifax to provide me with their source I have yet to received anything. And although it shows a balance on accounts it also preventing me to buy a home for my family and also allow me to obtain a promotion form my job.
Consumer complaint received 2015-05-21
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: GLA Collection Company, Inc. (KY)

Collection company for a medical bill contacted me and stated employment verification had happened and I could be taken to court. They refused to give me the name of the attorney, stating they had XXXX that they used. I asked for the names of the XXXX and was not provided. She argued that they did n't threaten to take me court, but that I COULD be taken to court. They were also very rude when I disputed the bill, stating the doctor 's office had never billed me for it and I did not know the insurance had denied it. 
=They stated I could not do a payment plan without going through their hardship process, which included applying for a loan to get a denial letter, which would be a hit on my credit and more detrimental to me. I was told whatever I sent in would be applied to the bill but that collection practices would continue.
Consumer complaint received 2015-06-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (CA)

I signed a car title loan with Wilshire Consumer Credit for XXXX. I thought I 'd be able to manage the loan if the payments were satisfactory and the interest was fair. Every month since signing the title loan, I have seen NO change in my loan amount. Factually, I owe more now ( after making months of payments ) than I 've ever owed. My loan now is in excess of XXXX. When I called the company to complain about the interest rate, amount of the monthly payment and terms, the company said there is nothing they can do. Moreover, they called me back and said they 'll settle on XXXX to close out my account. I angrily declined the request and suggested they accept XXXX based on the payments I 've made thus far. They refused my offer. As such, I am looking to have an attorney take the matter to court, as this is predatory lending practices at its worst. People whom use the service and hope to quickly pay-off the debt unfortunately find themselves in a horrific situation once they learn the terms of the interest being charged each month. We have to put a STOP to companies that prey on those in need. It is time to fight the predatory lenders!
Consumer complaint received 2017-02-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

: :Addendum to case # XXXX : : Bank of America states the note was transferred to XXXX ( XXXX ), as XXXX APR, XX/XX/XXXX. If this is true, the deed to the property reflects the mortgage was satisfied by Bank of America, NOT XXXX. I have attached the deeds in regards to Bank of America. XXXX ( XXXX ), is mentioned nowhere in the deeds. Also, let it be known I have provided a copy of my drivers license, as well as official government mailings, proving my mailing address as of XX/XX/XXXX. My attached proof of address is well before the alleged transfer date. Also, let it be known, my address was NOT changed in XX/XX/XXXX, as Bank of America stated. Also, the addresses provided by Bank of America are of a generic nature, as there are multiple XXXX, as well as XXXX. There are no city, state, or proper zip code attached, which means I did NOT receive any mailings. Also, Bank of America claims there was not foreclosure proceedings conducted. There were XXXX XXXX notices issued in both XX/XX/XXXX, as well as XX/XX/XXXX. Reason being is Bank of America was the second mortgage. XXXX was the primary ( first mortgage ). XXXX refused to subordinate the second mortgage, which meant the property could not be refinanced or sold. This is why the property was disposed of via short sale. I have provided your own words in an attachment, as well as identification and the deeds.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America presented me with an online bill showing XX/XX/2016 as a due date and new balance. I went into their system and placed a payment on my account. They claim that the payment was made in the previous billing cycle. The only thing is their system said I was due for XX/XX/2016, so I as a consumer did exactly as any consumer would do- pay the bill. They then sent me another bill showing a missed payment for XXXX XXXX. Perplexed by the new statement and the status I proceeded to call to further investigate and found they showed me due but said me paying that day was considered prior to cycle. I asked how could that be if I am seeing the amount and due date and a request for payment? I consider this a deceptive practice since they had issued the bill and had no disclaimer advising me of when and how they would post my payment if I paid on that day. As a consumer I find this practice is unfair and deceptive.
Consumer complaint received 2017-02-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Ability Recovery Services, LLC (MD)

I was a student at XXXX University and placed my education on hold due to XXXX parent illness. The school was notified and information was shared of the situation where a leave of absence would be required. 
However, the school did not update my status and blocked me from returning when I tried to complete the degree. In addition, The school stated the returned funds to the department of education which has not been founded. Therefore, since this was a statement they applied they charged my account for monies in which they stated that was returned. In addition they have blocked me from receiving my transcripts to continue education elsewhere. 

now they are attacking my credit report with a falsified bill of service that never occurred.
Consumer complaint received 2016-07-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (GA)

A company called Commonwealth XXXX called me and told me they were going to serve me court papers and place a lean on my vehicle. I explained I do n't have any debt and do n't owe anything. They hung up on me. I called back and asked them not to threaten me.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I contacted the Credit Agencies telling them that the late reporting for from XXXX XXXX to XXXX XXXX is inaccurate due to the fact that I was never late. Their response was that XXXX XXXX XXXX verified the information as accurate. I contacted XXXX XXXX XXXX several times to dispute the late reportings. I also asked them to provide me with proof that I was late during the stated dates. I have not received anything from XXXX and I have been disputing since XXXX XXXX. I am asking your help to rectify this issue.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Innovis (TX)

To whom it may concern i am having the worst experience ever, of all my years of having knowledge of A Credit Report agency and disputing i have never been so insulting like this in my life .i would expect this from a big major credit reporting agency but this UNKNOWN NON NAME BRAND company has push me to the max with insulting my intelligence .I so requested a consumer report i received it found things that were wrong i disputed them with a disputed letter then i was received my completed disputed with a letter attach to basically violating my rights. if you read the attached Document you would then understand my concern, them Admitting that the accounts or not verified legally
Consumer complaint received 2016-04-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Credit Connection LLC (NE)

Hi, I am looking for some help or answers. I have a car with local finance company. I have had car for about 2 years. XX/XX/2015, I had to go though XXXX and a XXXX in XXXX and still recovering. Unfortunately since ca n't work I have fallen behind on loan. The company has now again for the third time called my parents no I am not a minor, they have called and told my parents directly that I am behind on loan, amongst other private information. Today they again called my parents BEFORE calling me even first today ... my mom called me and said they had called her telling her I was xx amount of days late, that I did not have valid insurance, and they were coming to repo the car today or tomorrow. I am very upset yet again they have called my parents and revealed personal information. What can I do here ... .anything??
Consumer complaint received 2016-08-07
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Phoenix Financial Services LLC (OH)

There is three accounts that was previously with a different collection agency and it took a very long time to get resolved seeking financial assistance and i also called making sure it wo n't get on my credit report while they approve me and they agreed it would not and it finally got resolved and off my credit report. Now a different debt collection agency is trying to collect funds that is not owned and already resolved. I am so tired of these collection agencies either threatening me calling to much or not having accurate information no letters on file for notice. i never got a letter in the mail from Phoneix if i would have i would have been able to explain with them instead of taking the next protcal.
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (MA)

Social security admidastration/ I have called there XXXX number 3 times, emailed them once, called my local office, Social security has reported to Equifax and XXXX a collection of {$4700.00} They tok my tax refund of {$1500.00} which after calling them they reported it to the credit berues, but they are garnishing my wages and are not reporting this to the credit berues at this point I only owe them {$1200.00}, as I said they are not reporting this and are damagimg my credit,
Consumer complaint received 2015-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I am an XXXX XXXX XXXX service member that has been taken advantage of by multiple mortgage companies which have serviced my loan. I originally got this loan with the XXXX XXXX in XX/XX/XXXX while stationed in XXXX XXXX. Country Wide informed me that I could n't use my VA loan benefit because I had used it before, therefore I had to use a conventional loan and required to put down 10 % which I did not knowing any better. During the housing crisis Country Wide sold my loan to XXXX XXXX XXXX and at this time, due to finical reasons I applied to the HARP program thru XXXX XXXX XXXX and was granted a fixed lower interest rate of 2 % that was what I understood I had asked on multiple occasions and XXXX XXXX XXXX confirmed my payment was now {$850.00} for the duration of the loan. I was notified one day that my loan had been sold to Seturus, my current mortgage company and continued to pay {$850.00} for approximately 5 years on time, all the time. I recently received a noticed a few months ago that my interest had been raised to 3 %, I was upset the new amount is now {$910.00}. I am still XXXX XXXX XXXX and was under the understanding the Sailors and Soldier 's Act of XX/XX/XXXX prevented companies from unexpectedly raised interest on XXXX XXXX members while still in active status. I called and got nowhere with them, and decided to pay the new amount of {$910.00}. To my surprise I must have offended someone I guest because, my balance after that phone call was increased by {$53000.00} yes that 's XXXX. I have now idea what 's going on my interest rate is now 3 % and I owe XXXX up from XXXX just a month ago. I called and that 's what their system shows all of a sudden. Please help I have attached statements to prove what I am saying. Thank you
Consumer complaint received 2016-05-29
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Subject : I used Bank of America Debit Card to purchase some items from XXXX. I returned the items due to unsatisfied quality to XXXX. XXXX returned my money to my debit card but Bank of America is not returning my money to bank account. 
Bank of America Claim ID : XXXX Sir/Madam, I had purchased a tread mill and an equipment mat from XXXX on XXXX XXXX XXXX ( Order # XXXX ). But I was not satisfied with the items, so returned the items to XXXX. XXXX received the returned items on XXXX XXXX, XXXX and XXXX XXXX, XXXX. But I did n't get that money back till now. 
At the time of purchasing the items I used my old debit card ( Ending in XXXX ) but after some days Bank of America closed that debit card and issued a new card ( Ending in XXXX ). 
I called XXXX customer care several times that I did n't get my money back. They responded that, XXXX already returned the amount ( {$500.00} ) on my old debit card ( Ending in XXXX ). But I did n't see that returned money in my bank account. 
So I called Bank of America Claim services to create a dispute claim regarding this transaction. They created a dispute claim ( Claim ID : XXXX ). On that time ( XXXX/XXXX/XXXX ) Bank of America credited the transaction amount ( {$500.00} ) in my account on temporary basis. But on XXXX/XXXX/XXXX Bank of America debited the Transaction amount from my bank account and change the claim status as resolved, though I have provided all the proofs regarding the return. 
So Sir/Madam, I am getting harassment from Bank of America by delaying the process and taking time to return my money back. I hope you understand my situation and please return the money back. 
Note : I am attaching the bellow documents again. 
1. XXXX screen shot with return items and return dates. 
2. Freight receipt of XXXX for returning equipment mat. 
3. Freight receipt of XXXX for returning tread mill. 


Regards XXXX XXXX XXXX
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

My mortgage servicer has added negative remarks to my credit report for a mortgage discharged in my bankruptcy previously serviced by greentree and XXXX.I have disputed these remarks before and XXXX XXXX XXXX agreed and removed them.They have the account discharged but under history they have marked ( late XXXX plus days ) and ( worst delinquency ) '' collection '' .No discharged account can be marked as late or in collection, as per federal law.
Consumer complaint received 2016-09-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Creditors Bureau Associates (FL)

On XXXX XXXX 2016, I received a letter from the Creditors Bureau Associates of XXXX collecting payment for XXXX XXXX, account number XXXX ( XXXX Notice ). I contacted XXXX XXXX from the company and found out that the actual collection was for the XXXX XXXX of Georgia. I told XXXX XXXX that I will contact my insurance and investigate the issue. Since then I have relocated and do not have time to follow up with the status of the insurance company. On XXXX XXXX 2016, I received another letter from the Creditors Bureau Associates XXXX informing me that my past due account which is now XXXX, has been report to the Credit Bureaus XXXX XXXX XXXX, and XXXX
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

My wife and I own a rental property and our current first mortgage was sold from XXXX to Ditech. We have not received any statements or an account number. We have tried to contact Ditech at their customer service number XXXX. We are able to use the automated repsonse system to obtain balance information, but it does not provide an account number. We when select the system prompt to transfer to a representative, the voice response system transfers us to a mailbox that is full. We are unable to get in a contact with a person. Our mortgage payment is 16 days past due and we are unable to willingfully make a payment. We also did not receive any information from XXXX or Ditech regarding the transfer of mortgage servicing rights.
Consumer complaint received 2016-12-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I received 2 emails from FCS Advance Loans, the first email was sent on XX/XX/XXXX and XX/XX/XXXX. The first letter I received on XX/XX/XXXX it was sent to my personal gmail account and in the letter they claimed I owed a debt of {$840.00} and threaten legal action, credit reporting, and garnish wages. After I received this letter I ignored it because I knew I did not apply to this loan and I am not familiar with this company. 

Fast Forward to XX/XX/XXXX, I received another email from the same company claiming that I owed {$840.00} and threatening legal action, credit reporting, and garnish wages. This time I responded to the email stating that I did not apply for this loan and that I did not appreciate the threats. A person name XXXX XXXX respond to my email stating he wants to settle thie balance of {$840.00} or else. 

The first email from FCS INCORP on XX/XX/XXXX ( the file number is XXXX and balance is {$840.00}. The email address is XXXXXXXXXXXX and phone number is XXXX The second email from FCS INCORP ON XX/XX/XXXX the file number is XXXX and amount is {$320.00} Initial Loan and Total Out Standing Balance is {$840.00}. The email address is XXXXXXXXXXXX and person number and phone number is XXXX XXXX XXXX
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (PR)

This new submission is about the complaint XXXX made in 2014 against Sallie Mae, notifying that I want to be part to the suing made to this institution, who gave me the only solution of a forbearance of {$100.00} for one month when I 'm unemployed. Right now, I 'm unemployed again and with medical expenses, which I wo n't be able to continue paying through their collection agency, XXXX XXXX. A letter was sent yesterday. 

I also want to notify that I have called few times to be signed off of a loan I co-signed. They said I was able to be out of it after a year of a full payment by the borrower. It 's been two years, and I was told, that wo n't be happening. Attached the loan I co-signed. 

I also remember, not giving any other option when I stated I was going back to university.
Consumer complaint received 2024-09-09
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. (TX)

I am writing to DISPUTE the following archives that your company supplied to one or more Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, absolute and passable adhering of Federal and state reporting laws and or appropriateness in your obeyant adhering to the mandatorily exercised credit reporting industrys necessary formalities namely the XXXX own XXXX detailed XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofconsanguineal information that else better ensure integrity of allegations made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which potentially can have NOT been satisfied or suitably maintained. I further demand, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably principled reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are sufficing to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED.