davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (GA)

Stellar Recovery, Inc has continued to collect a debt from me that I never owed them. I never established a contract with this company and they stalling to remove all the negative items from my credit reports immediately. They are in violation of the FCRA and the stature of limitation are up on the suppose debt and it not my debt and no longer collectable.
Consumer complaint received 2016-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (UT)

I received a collection letter on XXXX XXXX XXXX from Stellar Recovery INC stating that I XXXX to XXXX. I did not receive notice of the right to dispute. I am buying a home and it hit my credit which now has prevented me from buying. I have had the same phone number for three years and when I called and talked to Stellar I spoke with XXXX individuals there. I have the conversation recorded. Both of whom told me that they were not obligated to send out a validation of debt letter. I have not used XXXX XXXX for over 4 years. Had I known that I even owed the debt I would have just paid it but I had no opportunity to even have that option. It hit my credit in XXXX XXXX and then I got the letter stating I owed them money in XXXX XXXX.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX - XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint because Experian has ignored my request to provide me with documents their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified " that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2015-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (CA)

The last correspondence I sent Pinnacle dated XX/XX/2014 ( see attached ) pertained to a demand for validation, which they ignored and failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report as a valid account. I sent this company another demand letter dated XX/XX/2014 ( see attached ) which they ignored again. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
Consumer complaint received 2017-01-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Chapter XXXX Bankruptcy due to Mortgage Fraud, XXXX XXXX XXXX forced into Ch.XXXX to prevent illegal foreclosure. Ch XXXX paid in full in Texas - XXXX XXXX. BK closed XXXX XXXX. Beginning XXXX XXXX, Trustee ordered the payments be made directly to Select Portfolio Servicing. Every payment was made on time. However, SPS refused to take my account status and reporting out of bankruptcy status and refuses to report my excellent credit history to all XXXX credit bureaus, preventing me from refinancing at a lower interest rate. I was transferred to SPS while in a loan MOD with XXXX, who were the ones that illegally foreclosed on me while loan was being transferred from XXXX XXXX, another key player in the Mortgage Fraud Scandal in XXXX. I have been confirmed a party in this scandal by US Treasury and was part of the Federal Investigation into XXXX. I have been identified at least once in Class Action Suit with XXXX. I was originally compromised with XXXX, then XXXX through their collection company XXXX to XXXX to SPS. I want my credit cleared and I want to have nothing to do with SPS ever again. Per legal counsel, the laws will no longer protect me to file a suit against these predators, because they are protected by XXXX XXXX Conspirators and they own crooked politicians and federal courts/judges. However, I can use the consumer credit organizations to correct my credit report and get out from under these predators that would like nothing more than to take away my home from me now that I am no longer protected by Chapter XXXX. It was also brought to my attention from legal counsel scouring my loan documents that the interest rate that I am being charged is .08 % too high and I have no idea how long that has been going on. Any type of research you do on SPS will show you that they are financial predators and they break the law everyday. I want them to correct my credit history and to release my loan. I also want to be compensated for the overages in interest they have stolen from me. I also want to add that they refused a MOD to me after painless requests and documentation was sent to them over and over again by a professional MOD non profit agency. They lied and said that I did not qualify and changed the figures that I sent them, preventing me from obtaining a much lower interest rate that I qualified from the US Government. This was after I went through the entire MOD process with XXXX and I was, against my will - transferred to SPS and PROMISED that SPS would process the MOD they had started but they never completed it or had any intention of completing it. After over a year of being in MOD limbo, I just gave up. Which is a pattern of how they operate. I suggest you refer to Select Portfolio Servicing Fraud XXXX page to see the victims of their crimes, new people join it daily and post the same story as mine. Why would the Federal Government let this happen?
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I am requesting the following address information be permanently removed on my credit report. The following information is incorrect and must be removed immediately as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, and XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2016-06-02
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Pinnacle Credit Services, LLC (CA)

XXXX XXXX XXXX are attempting to collect a XX/XX/XXXX judgment that was XXXX in my bankruptcy in XX/XX/XXXX. They have been notified no less than 5 times but continue to assert to a title company that they are owed money. They have changed the name of the creditor ( assignment ) and are trying to disguise the true debt so that they can maintain a lien against my real property while I am trying to refinance. I have personally sent them my bankruptcy papers and given them instructions and sufficient time to communicate to the title company that the debt was discharged but they have refused.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (KS)

After a lengthy investigation I have discovered that Experian has been charging me for monthly credit monitoring services sense XXXX of 2012. They have fraudulently obtained different card numbers in my name from XXXX in order to continue to charge me over the years. I have contacted them in the past about this and every time they claim they have no account in my name.
Consumer complaint received 2016-03-02
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Nationwide Debt Management Solutions, LLC (DE)

A debt collection company named Nationwide Debt Management Solutions is contacting me regarding a debt with XXXX. I 've asked this company to send me the information in writing to my home address. A representative by the name of " XXXX '' states they 've sent the letter previously and it 's not their fault if I did n't get it and that they refuse to send me another letter in writing. 

Also, I 've received a call from family members stating this company is trying to reach me on several other phone numbers, XXXX and XXXX. These calls have to stop. They 've been instructed that they should not be contacting any other numbers.
Consumer complaint received 2016-11-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (VA)

Ally Financial has made it extremely difficult to close my deceased grandparent 's account. I have the death certificate information for both grandparents but they request a medallion signed document that each banking institution had said is unnecessary. There has been a lot of back and forth and they have not been helpful with concluding this matter.
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. 
As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX County Maryland. I 'm filing a complaint because of the lack of help and correspondences with her lender in an effort to assume, modify or refinance her loan so I can keep her property. Every time I send the requested documents they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned.
Consumer complaint received 2024-10-14
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: EQUIFAX, INC. (MI)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-01-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TRANSWORLD SYSTEMS INC (NM)

Someone called my home, continuously. I called the number. It belong to Transworld System Collection Agency. The person talked too fast, and I could not understand what her name was. She asked for a person who does not live at my home. I told her that no person by that name lives here. I asked her not to call my home again. She became rude, and told me she could call, and they do not follow the do not call list She tried to tell me that she could call as long as the person ... I hung up on her. But I did ask her not to call again ( XX/XX/2017 ). I looked up their information, and there have been several complaints about this company. They are using unfair and harassing tactics, according to some complaints on the internet.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

We requested " description of reinvestigation procedure '' multiple times. The not only did n't respond within 15 days of receipt but they simply ignored the request entirely. See attached letter and certified receipts. 

Accounts in question are : 1. XXXX XXXX XXXX ( creditcard ) - First date of delinquency is 7 years 2. XXXX - First Date of delinquency is 7 years Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (IN)

I was enrolled in a repayment plan for one of my American Express credit cards. I allowed them to automatically take money out of my account monthly for a year. After completing the program as I agreed both of cards was cancelled. I called to ask why I had not received a monthly bill and at that time they told me because I participated in this program my accounts had been cancelled. I only enrolled one of my cards in the program. I got nothing in writing and I asked for an investigation and to date I still have gotten no response. I have made numermous calls which all have been dropped. They also stated have a balance of {$180.00}.
Consumer complaint received 2016-08-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OK)

I am behind a payment. I contacted Ally to make arrangements, they told me that they could defer XX/XX/XXXX and move XX/XX/XXXX to the end of the note and that my next payment would be XX/XX/XXXX, provided that I make the XX/XX/XXXX payment. This payment was made and all was well. In the first week or so in XX/XX/XXXX I received a call and was told that the agreement was not for XX/XX/XXXX/XX/XX/XXXX but for XX/XX/XXXX/XX/XX/XXXX and that I was late. I told them that I took the opportunity to pay off other commitments in order to avoid this in the future and that payment would have to wait until XX/XX/XXXX. ( both XX/XX/XXXX and XX/XX/XXXX would be paid then ) since then I have received daily phone calls. They state that they need information but I have given them the same information every time. It is clear that this is no longer about communicating but about harassing me. Arrangements have been made in good faith, even after they change the original agreement without my knowledge.
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

ASC, the servicer arm of wells fargo, denied a loan modification without notice. Moreover, its reasoning - that we did not comply with a fall XXXX requests for documents - is incorrect. We provided responses to their most recent request in a timely fashion on XXXX XXXX, XXXX. ASC never advised us that the response was inadequate even though it acknowledged receiving the documents. However, when we spoke with ASC in early XXXX XXXX to follow up on XXXX XXXX submissions, ASC said the application was denied because we did not respond. More specifically, in our XXXX XXXX submission we answered the request for a lease from the tenants as follows. We provided an explanation that our client 's tenants do not have a lease. Further, we reported that the borrower/homeowner did not want to ask the tenants to sign XXXX because she is fearful they may ask why and she does not want them to know she is in foreclosure and perhaps trigger non-payment of rent by the tenants. ) Moreover, the borrower/homeowner provided bank statement showing the deposit of the rent as well as a schedule XXXX on her XXXX tax returns showing the rental income. The later is an appropriate way to document rental income under the HAMP Guidelines. Finally, ASC asked for a profit and loss involving a contributor who lives in the household. We pointed out in our XXXX XXXX submission that the contributor is a XXXX earner with no outside business or earnings. 
As stated, we never got a denial letter form ASC.
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS ( Specialized Loan Servicing ) makes harassing phone calls morning, noon and night if my loan payment is not paid on the XXXX. of every month. My loan payment is due on the XXXX XXXX. and delinquent on the XXXX monthly. I pay it every month on the XXXX yet for the past three months if the loan is not paid on the XXXX. they start calling. even if I answer and tell them I pay every month on the XXXX they keep calling. They told me today they have every right to call as my " investor '' wants to be paid on the XXXX. I made this loan with XXXX XXXX XXXX and they sold it to SLS. I have complained to BofA in the past about this practice. Does SLS have the right to make stressful unwanted phone calls if my loan payment has never been late? They seem to think they do.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2015-04-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

Our loan was purchased by Greentree Servicing LLC in XXXX. The XXXX payment was due to them on XX/XX/XXXX. We made the payment via telephone on XX/XX/XXXX of XXXX. The next month we went to make the payment and was informed they did n't have the payment from XXXX At this point we provided to their collection person the reference number, the time of day ; bank information ; sent bank statements. No resolve until XXXX. However, during that time all payments were being held by them because the rep told me " they hold them until all payments are located ''. I asked would it be considered late. They advised me NO ; because they are not late they are just trying to find the payments. We are now attempting to change lenders and found they are reporting late payments since XXXX which we were not with them until XXXX as well as we could not access the website until XXXX because they were holding the payments. We talked to someone from Greentree almost every other day regarding the payments. No one called as promised it was us calling them. Then they went up on our mortgage payment which they said was due to escrow because the payments were not being paid. I was advised my husband would have to call in after all payments were found to request a new evaluation. Well two weeks ago we did that and they told us we could not until next year. This lender is not only making false statements but the customer service here is horrible. Today, XX/XX/XXXX I called in regarding the late payments we were advised of and was told it has to be in writing and could take two weeks. I asked the guy I was speaking with for a supervisor and he transferred me to the voicemail. We are due to close on Monday, XX/XX/XXXX and need this to be corrected immediately not in XXXX weeks. The payments were made as they were set to make and we have not been charged any late fees. I believe this is another ploy by this lender to ruin our information so they can continue to balloon our mortgage. Your help is needed to have the payments reported correctly and updated to the credit bureau immediately.
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

I HAVE A LOAN WITH PNC AND THEY ARE REFUSING TO GRANT MY DEED IN LIEU AND ARE REFUSING TO GIVE ME ANY RELOCATION ASSISTANCE WITH MY DEED IN LIEU. I HAVE SENT THEM THE DEED AND I AM ENCLOSING THIS GRANT DEED AS WELL.