davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (AL)

in 1998 we put our home in our sons name due to health problem. we knew he took a mortgage on it. we have lived in our home 31 years. when we saw it in the paper it had been foreclosed on we immediately went to our banker, got a loan approved had our insurance lined up. everything was ready all our banker needed was to know how much money to send and who to send it to. that is when the nightmare started. we couldn not get them to send us a pay off amount. Our banker and the closing lawyer was constantly sending emails and calling try to get it. once they sent XXXX it was only good till the next day. our banker told them he had to have 48 hours to finish the paper work and write the check. The next payoff they send was out of date when we received it. While we were trying our best to pay them their money they had the foreclosure sale now they are sueing to evict us from our home. We have plenty of documentation showing how hard we all worked trying to save our home. They would not cooperate with us at all. The closing attorney that was helping us was checking the paper work he could get his hands on said said there was a glitch in the deed. The deed they took the mortgage on has our physical address on it but the land description does not include the land our home is on I do not think they have the right to take our home we have owned for over 30 years
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Sent notarized document to have personal information updated and to have closed accounts removed from consumer report Document was sent registered mail Equifax states they didnt receive and says address I say is correct not listed in the system but they mail me a reply to my correct address
Consumer complaint received 2017-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I have a Rooms to Go credit card with Synchrony Bank with a monthly amount {$84.00} due on the XXXX of each month. I scheduled the Bill Pay through my XXXX XXXX account to be delivered by the XXXX of each month for {$84.00}. <P/>XXXX XXXX shows that the payment has been received each month before the XXXX for the full amount - not just the payment but the full amount is credited to my checking account for {$84.00}. <P/>Synchrony claims they receive the payments 1 day later. This has happened a couple of times and happened again in XX/XX/XXXX. According to XXXX XXXX, the check cleared on XXXX XXXX, 2017 but Synchrony posted it my Synchrony account on XX/XX/XXXX, thus triggering a finance charge and late fees.
Consumer complaint received 2016-08-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Our issue is that Specialized Loan Services not applying our Home mortgage payments in a time manner. They hold the payments for no reason. Here is a good example. Keep Your Home California help us approving {$49000.00} last year in XXXX XXXX. SLS received the {$49000.00} From KYHC in XXXX XXXX and they just applied to our account over a year later and after hundreds of calls to them and they finally applied the money with KYHC help. Also right now they are showing that we have n't send any payments since XXXX, XXXX. On XXXX XXXX, XXXX we submitted a bank statements to proof of payments for all these months and following with phone calls with out any response yet. as today our loan payment history it 's a mess and we do n't see a way of resolution. Here is some history on how the mess started. when Specilized Loan Services received the {$49000.00} from Keep Your Home California they applied to our loan account and sent a statement letter which explained the new do payment amount so we started to send the specified payment amount since then but they pulled the {$49000.00} from our account and when we questioned why that happened they argument ed that they still need the signed Agreement for Modification of a Mortgage Re-amortization Only. Which we signed and mailed to them at the binning of the process. I can remember how many times we signed the Agreement and re-sent it to them and we have records of proof of delivery for the document. i really believe that this is a fraud. We really need some professional assistance to solve this issue. Thank you.
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In XXXX 2015 I refinanced my home through XXXX Lender for {$280000.00}. Subsequent to this, the loan was purchased by XXXX and servicing was initially provided by XXXX XXXX Loan Servicing Division. The first payment was due XXXX/XXXX/15 and XXXX serviced the loan through XXXX/XXXX/15. For some unexplained reason when I reviewed my payment history online, {$83000.00} had been added to the principle. It is obvious that something was wrong as the note and all my docs clearly show the borrowed amount as {$280000.00} ; Even XXXX XXXX account history shows the initial {$280000.00} as well as the addition of the {$83000.00} about 2 weeks later. I brought this to their attention and after many, many communications they said they resolved the issue and adjusted my account accordingly on XXXX/XXXX/15 ( I have included a copy of the payment history from Impac ). Their explanation was that somehow my loan docs had been mixed up with another and caused the addition of the {$83000.00}. About the same time they said the matter was resolved, they coincidentally transferred the servicing of my loan to Specialized Loan Servicing ( SLS ) which began on XXXX/XXXX/15. In reviewing my account with the new loan servicing company SLS, the {$83000.00} has been suspiciously attached to my account again. On top of all this, SLS now has my property confused as being in XXXX County instead of XXXX XXXX County for my escrow account tax payments. SLS customer support told me they will look into it, but something is just not right. I feel like someone is trying to hide this {$83000.00} back at XXXX or XXXX, which are both part of the same company. I am very disturbed by all of this and would like some help in finding a resolution. I have attached an account summary from SLS to show the current amounts they list as well as the payment history from XXXX XXXX to show the suspicious addition and deletion of the {$83000.00}. Thank You.
Consumer complaint received 2017-03-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CA)

I requested an extension for my car payment for the month of XX/XX/XXXX. American Honda finance told me they would call me back about it and it should be no problem. I received a call back stating I would need to pay the late charges associated with the account before I can be granted an extension. I made my full car payment that date which happened to be one day late. ( XX/XX/XXXX day ). They never reported it late. The next month ( XX/XX/XXXX ) I paid my full car payment on the XX/XX/XXXX day. American Honda reported it late 30 days. I disputed the XX/XX/XXXX late charge and American Honda came back saying it was validated and added XX/XX/XXXX late also. I have never made a 30 late payment for the XXXX cars I financed in my life time.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (CT)

One company located at XXXX XXXX XXXX, XXXX, CT XXXX, ( I believe to be XXXX XXXX or XXXX XXXX in reality ) using Square Merchant account services, used fictional company names to charge my credit card account, switching names of XXXX XXXX XXXX, XXXX XXXX and.I called Square, they created a case but never actually paid me back for the fraudulent amounts XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
I reported to square my credit card ending in XXXX was charged the above and I was told they would escalate it, by square agent name XXXX  on XX/XX/20 by phone and email. Im owed over XXXX and neither the fraudulent merchant nor I have it. please its a lot of money and Im out of work with the pandemic, please help me. sincere XXXX XXXX
Consumer complaint received 2015-07-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CA)

My car is financed by Honda Financial. It is a 2011 XXXX XXXX. My finances changed when my hours with my employer were cut back, and I requested That Honda Financial change my due date for my monthly payment to the XXXX of the month. They refused to do that. They said that I had changed it too many times already and they would not allow me to change it again. They said that they would charge me a late fee if I did not pay on time. I asked to speak to a supervisor. The supervisor would not relent. I spoke to several people at Honda Financial and they were adamant, and would not re consider. I told them the bill would always be paid, every month but it would be late because they would not change the payment due date. I realized that they were not motivated to change the date because they would be collecting another {$20.00} per month in late charges if they did not change it. And now I have an extra charge accumulated of {$600.00} in late charges. And now they say that until I clear that {$600.00}, they will not move the due date. I feel that Honda Financial have unfairly collected these extra late charges because they would not change the due date, deliberately manipulating the situation to their advantage.
Consumer complaint received 2016-02-22
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. (VA)

XXXX provided the worst Cable TV, Internet and Telephone Services we had ever had. We called repeatedly to find out why we could not cancel services on line. To learn we could not. So we called and called to cancel via telephone. The answer XXXX gave was they were experiencing high call volume at the time and he would have to call me back to cancel the services and pick up the equipment. XXXX never called back. 

Again, I repeatedly called after getting the new service provider, to have the equipment picked up, it literally took more than a month. I explained I would not pay any charges that would be billed as a result of them not cancelling the services when I initially called to cancel and have their equipment picked up. 

Now receiving bills from collection agency ( Stellar Recovery , Inc. ) for {$95.00}. Which I have no idea as XXXX has not billed me for any charges.
Consumer complaint received 2020-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (VA)

On XX/XX/2020 I tried making a purchase of {$1.00} and was declined even though I had the money available. I checked my profile and it told me my account was closed. I emailed for an explanation why and Square Inc sent a generic email about violating the terms. This didnt start happening until I started using the app for stocks. I have done nothing wrong and barely use my cash app account. Only for XXXX or stock purchases and small store purchases for the XXXX.
Consumer complaint received 2015-12-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (NY)

Last night on XXXX/XXXX/15 at XXXX XXXX, a sallie mae account manager named XXXX XXXX called my mother 's XXXX neighbor ( first name XXXX ) and disclosed my personal student loan information on a voicemail. They were attempting to reach my mother regaind my loans. They have been harrasing me and my relatives with repeated phone calls and have now illegally contacted an outside party and revealed confidential information.
Consumer complaint received 2015-03-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CONTRACT CALLERS INC (NE)

I filed ChapterXXXX bankruptcy on my accounts in 2005, which I 'm NOT of proud ; but during this BAD TIME I lost a high paying job and got divorced, which left me no other choice but to file!!! Then 9.5 years later after I am finally getting my life back on track a collection company sends me a THREAT letter that I need to pay on an account included in my bankruptcy, and I have PROOF of this. I called them and they say they will clear this up, but since they did n't ask for PROOF even though I offered CASE # and Amount paid just to prove myside, but got worried that I offered more than they asked for. I want to make sure I 'm NOT BRING SCAMMED - Thank You for your help!!
Consumer complaint received 2017-06-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ACOPIA CAPITAL GROUP (FL)

I first tried to do conventional, however the home is in XXXX XXXX XXXX and has to go FHA for whatever reason. The first Loan place, XXXX- XXXX XXXX XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX phone XXXX did the appraisal. this lender could not do FHA so i had to go thru a different lender. XXXX XXXX NMLS # XXXX Loan Processor XXXX XXXX XXXX, XXXX. NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Phone : XXXX XXXX. XXXX Fax : XXXX the first lender did the appraisal and refuses to give to the new loan officer.  and FHA will only take the first appraisal so i can not have another done. XXXX XXXX is trying to wait as long as possible to make me loose this house as my closing date is X/XX/2017 and if he does not hurry up and turn over the appraisal i can not get everything done it time.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC. (GA)

The borrowers have been paying diligently on an interest-only agreement since XXXX XXXX, XXXX. Per the hardship letter the monthly payment of {$2100.00} is difficult to pay during the remaining months of the interest-only period and will be even more difficult to pay after the period ends and the monthly payment increases XXXX XXXX, XXXX. So they submitted an XXXX to the lender. 

The borrower was offered a new agreement. The proposal is a short term agreement that will put the mortgage back into a foreclosure situation because the hardship is permanent. 
They completed credit counseling and a household monthly budget with a HUD approved agency. The final analysis for the brrws budget calculates a 61 % front end ratio which increased due to the loss of over 25 % of their income over a 6 month period. The brrws have reduced their back-end ratio by paying down credit cards and medical bills. 

The brrw submitted an appeal. The appeal is below : After reviewing the current Loan Modification Agreement it is my decision to appeal this offer for the following reason : Our XXXX agreement lead us back to this point because the payments were not fixed and continued to rise back towards the original payment. We are seeking a modification for a fixed term so that recurring foreclosure proceedings will be avoided. The offer presented to us pushes us back into foreclosure proceedings over time because the hardship is now permanent. 
We were unclear of the terms because at first glance it appeared that our rate was reduced to a price that was affordable reflected on the document dated XXXX XXXX, XXXX informing us of the XXXX original Loan Modification Agreements : ( pageXXXX XXXX ), however after reviewing the Loan Agreement on ( pageXXXX-XXXX ) we realized that as the rate increase that it will lead us back to our current state resorting towards foreclosure. 
As we appeal this process we are going to escalate our efforts to our congressman to help us in our process to save our home. It is our prayer that you would reconsider this offer and seek to offer us a fix permanent solution to save our home and avoid foreclosure. 

The brrw is a XXXX Veteran and was advised by the Veterans Affairs office to seek assistance from the local Congressman 's office. The Congressman office sent the appeal to the servicer and within 3 weeks the appeal was rejected and denied by the investor. Because the hardship is now permanent, the brrws do not feel that this agreement is a fair proposal to help save this property from foreclosure.
Consumer complaint received 2016-12-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (OH)

I have worked in the public sector on a full-time basis since XX/XX/2003. During that time and until XX/XX/XXXX, my student loans were in repayment under the graduated repayment plan. The monthly payments made under graduated repayment were more than the minimum balance due each month. These graduated payments also were well above the income-based repayment calculated by the FedLoan program when I applied for XXXX in XX/XX/XXXX, but graduated payments are not considered " qualifying payments, '' regardless of the amount paid. My income has increased steadily since my XX/XX/XXXX separation date, yet the income-based monthly payment calculated by the FedLoan program in XX/XX/XXXX is almost {$200.00} less than the monthly payments due under the graduated plan. The income-based repayment plan recommended by FedLoan does not cover the interest accrued, and therefore, I am once again paying more than required in order to prevent an increase in the principal balance on these loans. The graduated payments made during the course of the qualifying XXXX time period ( XX/XX/XXXX-XX/XX/XXXX ) would certainly be more than the income-based repayment plan amount for the same time period. What I paid under the graduated plan should apply to the XXXX program, retroactive to the XX/XX/XXXX XXXX initial payment qualification date. I obtained my payment records and they show the amount of repayment required had I chosen an income-based plan prior to the establishment of the XXXX program in XX/XX/XXXX. They are attached to this complaint. I have retained counsel regarding this issue, with the next step in the process being outreach to your agency. Any additional information which would help support this request can be provided. Thank you for your time ; I am surely not the only borrower who is seeking a fair explanation and resolution to this exact issue.
Consumer complaint received 2016-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/2015, I unknowingly cashed a fraudulent check that was sent to me at my college campus. I was n't too concerned because I work in the office of donations to my school and see checks sent to the school, departments, and even students all the time. I have great relationships with the staff and faculty at my school and am an excellent student. So I assumed that one of the many faculty/staff members that know me was able to procure a donation for my financial aid. A week after I cashed the check, Wells Fargo called me, informed me that it was fraudulent, said I owed them {$2400.00} and said goodbye. Since then, they have sent mail to me via my school address and reported the incident to the collections agency which prevented me from getting any loans for this year. I also was not able to get an apartment for my last year of college which was something I desperately wanted. I personally feel that a giant financial corporation such as Wells Fargo should not be taking advantage of a college student that figured the bank she had been with for three years would look out for her. But instead, Wells Fargo has made my life XXXX when they could blow their noses with {$2400.00} yet they want to force me to pay it back and if I do n't, my life will never progress the way it should.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OR)

In XX/XX/XXXX we began negotiations with Wells Fargo Home Mortgage to a deed in lieu of foreclosure. Each time we near the end of the application process, we are given the name of a " Home Preservation Specialist ''. When we call back that number, either the person no longer works there OR we leave a voicemail and no one calls back. They have done an inspection of the house and tell us, this will take another week or two to close. When we call to speak with someone, twice we have been told our documents are expired and we have to begin the application process again. We sent documents by XXXX last week, which were delivered and have been told this process of reviewing will take 30-45 days. In the meantime, they will have foreclosed on our house.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.