davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (SC)

This company has taken our dream and crushed it beyond repair. They have misapplied all my payments. The taxes were incorrect on our property. I started in XX/XX/XXXX submitted the corrected bills, they still did nothing. Now it is XX/XX/XXXX and we are still at square one. Total, I have submitted the needed paperwork XXXX times. They have the account so twisted, I am not sure what kind of money I should have in escrow and what should have been paid back to us. Please help us. They are trying to take our house away. We are XXXX time homebuyers and wish we could just get some help. I contacted the XXXX and this company has not responded to them either. Please please please we beg you to help us.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collection Management Holdings, LLC (PA)

I spoke with credit management company in XX/XX/2020 to set up payment on the medical debt they own of mine they offered to send the report to me because they have duplicated or fraudulently made up accounts which literally took my debt and doubled it, now I cant find a home or a better car to get to and from my XXXX XXXX XXXX and Im just highly disappointed that this company has caused more of a hardship on my life lately then this corona virus or anything else, I work hard Im a XXXX in the United States XXXX and Im sincerely trying but I want these duplicated accounts removed because I have failed to be able to contact them since they lied and said I could receive a report on the accounts they own
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation.
Consumer complaint received 2015-05-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KY)

We were contacted via mail and phone that we had failed to pay our XXXX 2015 mortgage payment. We advised that we had made said payment and faxed a copy of our bank activity print out to confirm that the payment had been sent, received and deposited. A few days later we were contacted again demanding payment and they had no record of a fax being received. We were told to contact another party to handle the missing payment and fax. When asked to be transferred to her desk/office ; we were told that she as unavailable and to leave a message. As of this date our messages have not been returned. Again we were contacted via phone and sent correspondence of our failure to pay XXXX 's payment. Again we advised that our payment had been sent electronically and we had our bank statement to verify same. We were given a address to mail the copies of our bank statement ; to which we complied. Again we were called and contacted via mail that we were in default and we had failed to make our payment. We advised that we had not only mailed a copy of the electronic check but had mailed a copy of our bank statement verifying that the payment had been made and received. 
On XXXX, we received a packet requesting that we fill out for third party authorization and assistance on our loan per our request for same. At no time have we made such a request. We have had nothing but trouble with this company since our loan/mortgage was sold. We have never failed to make our mortgage payment to Carrington or to XXXX and to have our mortgage sold to a what is nothing more than a collection agency that has numerous complaints for its deceptive practices is alarming. 
In addition, Carrington failed to pay out property taxes but insisted that they had ; it took 2 months to resolve this issue before the taxes were paid with a penalty. 
This company has sent written notice of its intent to pursue other action and to report this as a negative on our credit report. 
It should also be noted that our bank has also sent documentation/verification to Carrington that the payment was sent, received and deposited. 
After filing a complaint with BBB, we received written notice of intent to foreclose on our home. The correspondence stated again that we had failed to pay XX/XX/XXXX payment. Today we received documentation advising us of our rights under the Servicemembers Civil Relief Act. When will this nightmare end! We have done everything that has been asked and provided documentation that our payment was made. I want credit for my payment, removal of all late fees and charges and all if any negative information sent to any credit bureau be retracted/removed immediately. 

Based on this company 's history ; it should be investigated by the Attorney Generals Office, Federal Reserve, Federal Trade Commission and the FBI. We intend to file a complaint with each agency and legal litigation unless this is resolved
Consumer complaint received 2017-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (TX)

We moved out of our apartment in XXXX. We left the apartment immaculate, even cleaning behind the oven and vacuuming our way out of the apartment. 

Several weeks later the apartment management presented us with a bill for " repairs '' that was full of mistakes and most of the items included were false and/or in violation of the Texas Property Code. In other words, almost all the charges were for things we either did n't owe or were for things that they could not charge for by law. 

We attempted to resolve with the apartment management, but they refused to remove the wrong / illegal items. Instead they sent it to collections. 

This is causing us serious financial and XXXX. We are in the process of closing on a house and the closing is held up because of the disputed collection on our credit report. Additionally, this is causing us to incur higher interest rates and fees and will cost us thousands of dollars. 

The collections agency filed a collection on our credit reports. We have attempted to resolve via the proper channels : XXXX/XXXX/XXXX : we sent letters to the XXXX credit bureaus per the FCRA to dispute the information and request them to validate the data. All XXXX responded that they investigated and that the creditor says it was valid. When called to discuss, the credit bureaus said " you need to have the collection agency remove. We just ask them if it is valid. '' XXXX/XXXX/XXXX : we sent a letter to the collection agency per the FCRA and FDCPA asking them to validate the data. They replied that the creditor said it was valid and sent us copies of the lease and the form showing the illegal/wrong charges. They provided no proof. 

XXXX/XXXX/XXXX : we sent a letter to the collection agency per the FCRA and FDCPA stating that what they provided was not proof. It also clearly stated what was incorrect or illegally reported, and requested they remove the improper charges and remove the collection from my credit reports. They replied on XXXX/XXXX/XXXX that the creditor contends the charges were valid and resent the same information from their previous letter. No proof was supplied. 

XXXX/XXXX/XXXX : we sent a letter to the XXXX credit bureaus per the FCRA to inform them that we asked the collection agency to validate the debt and remove if incorrect, and that the collection agency could not do this. We requested they remove the collection or we would file a complaint with the FTC and/or pursue legal action.
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

XXXX XXXX AKA XXXX XXXX is reporting to my credit report they are doing so against the Hippa Laws and against the privacy act they reported his account when it had a XXXX balance every time this account is seen on my credit file they are in non compliance with Hippa and the privacy act My medical bills are part of my medical record I did not waive my hippa rights 1. if I waived my hippa rights please show me 2. I want a full contract 3. full payment history of account.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I have a credit card from CCB/XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CCB/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CCB/XXXX  with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (TX)

This XXXX refinance transaction is troubling. First of all, I specifically told the lender that I would like to refinance my payoff balance. Then I had a processor negotiating how much to refinance based off what I thought I owed US Bank. She first put {$94000.00} as I was n't sure. Then she put {$87000.00} when my payoff was around {$86000.00}. I do not understand. 

Another issue is that I had an escrow shortage of {$1100.00}, so I made an additional payment into escrow in the amount of {$1100.00}. I was advised last week by the processor that I would not need to bring any monies to closing. Then a closing manager contacted me on Friday telling me that I need to bring over {$1900.00} to closing. She also says my payoff has increased to over {$88000.00}. I do not understand. She told me that if I did n't agree, we would n't close until next year. I agreed as I would n't consent to this tactic. My loan officer was out of the office on XXXX XXXX. My closing was anticipated for XXXX XXXX. 

I find something unethical about this transaction. First of all, they waited until the last moment to drop the final number to pay. Why would I need to pay when I paid the escrow shortage? They also increased my interest rate from XXXX to 5 % to including my closing costs. I feel as if I 'm getting ripped off. 

The amount financed should not be negotiable. I 'm not requesting extra money. It seems as if the lender is trying to increase the amount finance and loan costs. 

Could you please investigate this transaction? I will attempt to obtain the documents I received last week showing the new numbers and the amount they are requiring. 

I also filed a complaint with the XXXX program requesting an investigation.
Consumer complaint received 2015-10-30
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (SC)

Received communication from Enterprise Recovery System ( ERS ) stating I owed them for a defaulted private student loan through XXXX for attendance at XXXX XXXX, XXXX, SC. I requested debt validation because I never applied for a private student loan while attending XXXX. ERS provided me with a copy of an application/loan agreement that was e signed on XX/XX/XXXX. The enrollment period for the loan was XX/XX/XXXX to XX/XX/XXXX as listed on application. My last day at the school was XXXX/XXXX/2010. I provided an official letter from the school 's registrar that certified my dates of attendance from XX/XX/XXXX to XX/XX/XXXX. It is apparent that someone fraudulently applied for a loan for a periods of time when I was not enrolled at XXXX. These negative actions have ruined my credit as they are reporting as a defaulted loan in collections that continues to update monthly. I had no knowledge of this loan or its collections status until contacted by ERS. I faxed information to ERS to investigate and am awaiting a response to what the corrective action will be based on documents they provided. XXXX XXXX XXXX the original lender have no record of this loan and referred me to back to ERS.
Consumer complaint received 2015-12-17
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Transfinancial Companies, Inc (LA)

Sent cease and desist letter on XX/XX/2015 and sent another notice XX/XX/2015. I was on XXXX and file a renewal for XXXX at a different location twice, but XXXX of XXXX, LA. lost paperwork.
Consumer complaint received 2016-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (TX)

XXXX XXXX @ XXXX at XXXX XXXX XXXX, XXXX NY, has made repeated belligerent and aggressive phone calls to my elderly mother who is in poor health. She is subsequently confused, annoyed and upset and we wish for this to stop.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Rocket Mortgage, LLC (CA)

on or about XX/XX/XXXX I was trying to refinance my home. My mortgage was currently held by Quicken loans. I called the XXXX business office and was referred to their Arizona office. In the meantime I searched reviews on my pc about Arizona Quicken loans and they were negative so I declined to do business with them. I was receiving calls from Arizona and XXXX offices and declined to do any business. I then went to my bank and inquired about refinancing my home. When they checked my score I was told that there was high rate of hard inquires ( 6 ) from Quicken for one month. That lowered my score. Recently ( XX/XX/XXXX ) I was attempting to refinance with my current mortgage holder XXXX and they contacted me expressing that they wanted to keep servicing my loan. I am refinancing with another company and received from XXXX a packet for mortgage loan. I feel that XXXX contacted the credit companies as Quiken has without my authorization. Can you please help me with this problem
Consumer complaint received 2015-06-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I AM ATTEMPTING TO AVOID A FORECLOSURE SALE AND I HAVE APPLIED FOR MORTGAGE ASSISTANCE. MY SERVICER, SELECT PORTFOLIO SERVICING ( SPS ), IS PROCESSING MY REQUEST FOR MORTGAGE ASSISTANCE. IN A LETTER DATED XXXX XXXX, 2015 SPS REQUESTS ADDITIONAL DOCUMENTS FROM ME AND IN THIS LETTER THEY PROVIDE A XXXX/XXXX/2015 DEADLINE. IN ANOTHER LETTER DATED XXXX/XXXX/2015, SPS NOTIFIES ME THAT THEY HAVE SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/2015. ON XXXX XXXX, 2015 IN A PHONE CONVERSATION WITH SPS, A REQUEST WAS MADE THAT SPS RETRACT THE LETTER NOTING THE SALE DATE IN WRITING VIA EMAIL. THAT EMAIL OR RETRACTION HAS NOT BEEN RECEIVED. SPS IS ENGAGED IN DUAL TRACKING AND PREFERS TO PROFIT FROM THIS METHOD. THEY PRESENT A FACADE OF HELPFULNESS SO THAT THEY CURE LURE HOMEOWNERS INTO FORECLOSURES.
Consumer complaint received 2016-02-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have been working with SPS on a Deed in Lieu of foreclosure since XX/XX/2015. I signed the intent to vacate agreement on XX/XX/XXXX and vacated the premises on XX/XX/XXXX. As of today, I have not received the Relocation Incentive as promised and noted in the agreement. I continue to get erroneous status updates. The latest is that the check has been issued and is awaiting Manager 's approval. This was the update on XX/XX/XXXX ... .when I called today, they informed me it was manager approved on XX/XX/XXXX but they are unable to tell me when the check will be sent. I am without a place to stay because I have been waiting on the incentive to put down on a new place. I simply need the check to move on with my life. I feel like I am being taken advantage of by the bank since I surrendered and vacated the property on XX/XX/XXXX. I call almost everyday and I get conflicting responses.
Consumer complaint received 2015-04-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

XXXX XXXX XXXX XXXX XXXX, attorneys for Select Portfolio Servicing ( SPS ) have threatened foreclosure of my house see attachments. The CFPB has been clear through amicus briefs, examination procedures and guidelines that when mortgage servicing rights are purchased subsequent to a loan being in default, the Fair Debt Collection Practices Act ( FDCPA ) applies and a non-judicial foreclosure is in clear violation of the FDCPA. A XXXX of my house remains on XXXX stating there was an auction and updates are awaiting. SPS nor their attorneys have been able to provide historical loan records from inception of the loan. Recently, their attorneys sent me a Notice of Rescission of Mortgage Acceleration which supports the fact that a non-judicial foreclosure should not and can not occur. Despite my request for SPS to stop calling me, they continue to call. Please review all attached documents.
Consumer complaint received 2015-04-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Atlantic Recovery Solutions LLC (CA)

I talked to them and they said it was for a old account But since I was on the way to work and driving I told them I will call them the next day and this person said " NO you have to call me today " I ended hanging up I was on my way to work and could not hear her I ask my wife to call them and they would not give her the physical address they gave her a po box and did n't want to provide anything alse unless she gave them information about me like birthday and she told them she would not provide any information to someone who will not give her more details about it. I need to know how much and if this is legit.
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I received a temporary modification via which the interest rate I am charged during the interest only period of my loan was more or less fixed. The interest only period will end in XXXX 2016 and the loan will become fully amortizing in XXXX 2016. Since I am permanently and totally XXXX and my income is not likely to increase I will not be able to make the fully amortizing payment beginning in XXXX 2016. I contacted Wells so that we could begin the modification process well before any potential delinquency. Unfortunately it is beyond clear, based on statements made to me by Wells ' employees, that they are either unable or unwilling to address my actual circumstances. I was expressly told yesterday that Wells would evaluate my information to see if there has been any change in circumstances since the temporary modification was made even though I am not requesting a modification for anything except the fully amortizing loan period. In effect, I am being told there is no point in my submitting any information since Wells is unwilling or unable to understand the fairly simple nature of my request which is to modify the fully amortizing loan terms scheduled, by contract, to begin in XXXX 2016. Simple math is sufficient to understand that I will NOT be able to make the fully amortizing loan payments nor do I wish to wait until I am already seriously delinquent which will happen beginning in XXXX 2016. Since first contacting Wells I have been told that I have a single point of contact and was told yesterday that I will be assigned a single point of contact. In any case what I need is to speak with someone who actually understands I am being proactive in the hopes that I can, inter XXXX, not become delinquent and not have to engage Wells Fargo in litigation to process what is, at present, a simple request. Because the nature of my XXXX involves having XXXX which has XXXX and because the XXXX any attorney from representing me in negotiations with Wells I am reaching out to the CFPB for assistance. I will also note that NONE of the " HUD counselors '' actually offer assistance and, instead, provide " workshops '' or what amounts to cheerleading neither of which constitutes any actual assistance in my case. While I realize, especially after having worked as a legal aid attorney, that most consumers do not seek assistance until they are seriously delinquent I do not believe that is prudent or in any parties ' best interests. Accordingly I am hoping that CFPB can assist me in reaching someone at Wells who, like me, sees the benefit of assisting me proactively and taking meaningful steps to ensure we do not wind up in litigation.
Consumer complaint received 2015-04-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (TX)

We finance a bed bought at XXXX in XXXX 2014. We return the bed and upgraded to a different bed in XXXX 2014. Originally there was no interest for 3 years. Since we returned our other bed and upgraded to a different bed, there was a additional cost of {$610.00}. finance for 6 months. 
Wells Fargo does combined billing on XXXX statement which is confusing and a little deceitful to the consumer, so now we are having to pay finanace charge on the 6 month portion. If we would have known, and the billing was billed separately, we would have paid that part off.