davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (IL)

In XXXX of XXXX Chrysler Capital had my car repossessed. All of my belongings were in that vehicle. So I called later on that month to let the finance company know I would not be attempting to get the car back. At no point during the conversation was there any mention of where my belongings were. I called the office of the president to find that information out and they were not able to provide me any of that information. When I contacted Chrysler Capital again at  the beginning of XX/XX/XXXX, I was informed my belongings had been sent to a recovery company, XXXX XXXX XXXX and spoke with their claims manager. The claims manager informed me that after an investigation was done into the where abouts of my belongings, my belongings were discarded. The reason they were discarded was because the recovery company never received a personal property letter from Chrylser. When I reached out to Chrylser ( or  Santander, as it was interchangeable every time I talked to them ) I was told that it was not their responsibility that my items were lost even though they were supposed to send a personal property notice to the recovery company so that they would be able to reach out to me. I feel that Chrysler Capital is very much responsible for the loss of my property as they did not send the property notice to the recovery company as they had been instructed. My loss of property totaled close to {$1000.00} and therefore they owe me for what was lost.
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

i have done no business with these third party debt collectors ive requested proper debt validation in which is still not available and ive also filed reports of identity theft this is in violation of fcra policy due to improper debt validation with signed contracts or some sort of information to prove that i been provided a service from this company
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I am behind in my mortgage, and trying to sell my property. I received a grant from the Maryland XXXX   when I purchased, that was supposed to be paid back upon sale. I received a payoff from Carrington Mortgage on XX/XX/2019. The payoff reflected an " other unpaid expenses '' amount of {$5400.00} with no breakdown. There is a breakdown of attorney 's fees attached to the payoff of {$4000.00} ( a difference of {$1400.00} dollars ). There was also an escrow overdraft of {$8900.00}, with no breakdown, or explanation. The title company has been contacting Carrington since XX/XX/2019, to ascertain if the grant is somehow being collected in these numbers, and essentially get a breakdown. They faxed and emailed requests stating the concerns, and only received a new payoff with higher, also unexplained numbers. I have a buyer that is ready to purchase my property, however my realtor can't calculate a sales price with XXXX XXXX dollars unexplained. I have asked them to postpone the foreclosure, and I was told that Carrington is not postponing any foreclosures right now.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

There are several items being incorrectly reported on my credit report, related to inquiries that I do not recognize. I have contacted the companies directly, and have been told that they are unable to assist. Not only are the inquiries unfamiliar, they are inconsistent. Please see a list below : 1.  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6.  XXXX  XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX   XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX   XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

My mortgage was sold and I was NOT notified. The only way I found out was by checking my credit report and seeing I was 2+ months late on a payment. Here is a quote from an article linked below. " Consumers should not be collateral damage in the mortgage servicing transfer process, '' said Consumer Financial Protection Bureau Director XXXX XXXX. By law, it states that all information should be transmitted from old to new company, which atleast my phone number was NOT, SPS did not have my phone number nor did they care enough to locate me to tell me I was late. Then they charged me additional money to physically look at the property which I want back as the loan with this terrible company has been paid in full. 

I can provide proof from my credit report showing years of perfect payment with XXXX ( old mortgage holder ) then the transfer to SPS and the first payment being 2+months late and another 3 years of perfect on time payments until 2 weeks ago when I sold the house. 


XXXX XXXX XXXXXXXX
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX  partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 2 and 3 of the attached credit report. ) This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-10-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

A debt of {$1000.00} is trying to be collected from me from a company called MBA Law on behalf of XXXX XXXX. I have never used or heard of either of these entities and I owe no debts for any medical care. After doing research on this company, many people have complained of phone calls from this same company from multiple different phone numbers asking for debt to be collected. This is fraudulent activity that must be stopped. The only way I found out about this is through my credit score, I have received no mail and no phone calls about this fake debt.
Consumer complaint received 2019-05-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NVR INC. (MD)

In XXXX of 2019, we received a loan estimate detailing how much we'd owe for down payment on a conventional loan. We decided to switch to a FHA loan after selling our condo to lock in a lower fixed interest rate and reduce cash to close. In early XXXX, we received our first FHA loan estimate stating we needed XXXX cash to close. Given this amount, we decided to finance some of this amount to get to a lower cash to close amount of XXXX. Unknowing to us, the loan officer made a mistake to the amount of the seller credit and had been showing the incorrect amount to us since early XXXX. We are scheduled to close on XX/XX/XXXX and just found out XX/XX/XXXX of the error and are being asked to bring XXXX cash to close with only 6 days notice. We feel this is completely unfair to us and had we known in advance, we could have planned differently and might have made difference decisions. 

At this point, NVR Mortgage/XXXX XXXX is recommending a 5/1 ARM FHA loan to return the amount of money we were paying to lock in the interest rate. Of course this comes with a {$40.00} increase in payment per month because of the interest rate differences and we'd still have to come up with roughly XXXX more than what was on the estimate. This is definitely better than XXXX but the company doesn't appear to be assisting in an error they created and we are being asked to pay for their mistakes by taking a higher interest rate, paying more money cash to close, losing a fixed interest rate, definitely needing to refinance, etc. 

The other option is to stay with the same fixed rate and they reduce the loan amount ( points ) we pay in half from XXXX to XXXX. This will save us XXXX but we are still looking at paying roughly XXXX more than what was on the estimate. I understand that estimates are not perfect but you dont expect them to be XXXX off and we feel completely blindsided by this. I even shared with the loan officer that something similar happened to me before and he assured me that his estimates are never off this much yet I find myself in the same position. Its not so much about the money than it is about doing what's ethical. If you make a mistake, you should do what you can to resolve the problem and I dont feel NVR Mortgage/XXXX XXXX cares to do that at this point.
Consumer complaint received 2019-05-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

I started when I was laid-off back on XX/XX/2018. I got behind a couple of months. I paid one month when I received my tax return. I applied for a modification with XXXX which was my Mortgage Company. They denied me the loan mod. due to unemployment was not considered an income. I found a job in XX/XX/2018. I applied for the loan mod. again resubmitting documentations and application along with pay stubs. I was able to make one payment. XXXX would repeatedly state that they never got all my paperwork send it again. Then one day they told me my loan was being sold and they had all my documents and they would transfer my docs to my new Lender Shellpoint. it took a month for me to finally get my transfer completed. Shellpoint stated that they did not receive any documents from XXXX and I would need to start the process over again to get a loan modification with them. So I asked if I could make at least make a payment and they stated no not at this time they would need at least {$5000.00}. So I begin to scan my mod. application and all the documents they requested. and again they would state they never received or they would request that it should be sent a certain way. When I started getting the run around again around back in XX/XX/2018. I decided to seek help. So I hired a Law Firm needless to say it still was no help everything I submitted to the Law firm and cc Shellpoint documents was still incomplete the Law firm was upset as well. I just don't understand now I'm paying a Law firm when I should be paying my mortgage. I'm so upset I can't sleep at night I work and I have a business which is suffering as well. When I could be thriving in my business if it wasn't for this foreclosure hanging over my head. I have a license Group home that I can have provide services for the Elderly and XXXX adults to live in family environment instead of nursing home. I have a Provider and medicaid number I can bill their insurance companies for the services that we provide. But unfortunately I had to return my Residents in fear that I will be foreclosed. Shellpoint Mortgage is not letting me make payments by giving me the chance to modify my loan and keep my home. I don't know if the Law firm is in on it as well. This is not fair for hard working families. I have all the emails and documents that was faxed and scanned to XXXX, Shellpoint and Attorney 's office. I have answered every request the Attorney 's office only calls me back when I call them for updates. and when I receive mail from Shellpoint 's Attorney I immediately update the Attorney. Please help this so frustrating!!!!
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I recently moved to a state where they do not have the bank I currently use in which is XXXX XXXX. I decided to open a account with Bank of America ( online ) I tried on two occasions thinking I entered my info wrong because I got a denial response. I was denied the second time. I contacted Bank of America and they said I owe them money for an account that was in my name that had an outstanding balance. I told them that was impossible and must be fraud. They would not listen to me. They said the account was from some years ago but they said they could not retrieve any other info on account or debt. I had a account with Bank of America in 2017 in which I closed. Therefore, I know the debt is fraud because I would not have been able to open this account iif I had owed the bank a previous debt. Bank of America was a lender on my Federal Student Loan but that was 8 years ago and I am paying that debt to Federal Student Loan Dept. Bank of American employees have been very rude and not trying to help me resolve this matter. When I closed the account I had with Bank of America back in 2017 it was due to wrongly being charged unnecessary fees and always greeting letters from them that my account or info might have been jeopardized. I also received settlement checks from the as a part of lawsuits filed by customers for wrong charges. I thought by now Bank of America would have straightedges up their act and business practices. I will also be filing this complaint with the Federal Reserve. Thank you
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA (CA)

On XX/XX/2019 I was contacted by First National Bank Of Omaha for the collection of a debt of {$18000.00} and on XX/XX/2019 for {$25000.00}. Both from First National Bank of Omaha. Two separete debts. After going through my paperwork, I was unable to find any contract between First National Bank Of Omaha and I. On XX/XX/2019, I requested in writting a contract with my original signature for both debts, and was unable to receive an original contract with my signature. Then on XX/XX/2019 I received letters from their Attorney. I also requested an original contract between First National Bank Of Omaha and I.
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (CA)

Today I called XXXX XXXX, XXXX that is the collection agency handling my Citibank Credit card account which I apparently owe {$1400.00}. This amount reflects on my credit report. I called to offer a settlement of 50 % of my debt and submit a payment today. I called XXXX XXXX 3 times today and was on hold for over an hour and transferred more than 3 times to different departments. I spoke with a XXXX XXXX and she gave me the number XXXX ext XXXX and told me to call them to make payments. I called twice and left 2 voicemails and nobody called me back. I called XXXX 's main phone XXXX and was then directed to XXXX XXXX and stated I needed to make a payment today because I am in training and I will not be available due to duty requirements and I need to make a settlement payment today. He put me on hold for over 30 mins and then I was transferred to another department where I waited on line again for an extended amount of time. Someone eventually answered and told me that I would have to call back in a couple of hours or someone will contact me. XXXX XXXX called me back and said that he had been discussing my account with the Liasion and management and then the soonest they could get back with me was in 7 days and if I was in training then I would have to call them back at my availability to make payment. I tried several attempts to make payments today to settle my account and I also talked with a Supervisor but no one was able to accept my payment and then ultimately said they would have to contact me in 7 days but not offering any explanation as to why. I did let them know I was an XXXX XXXX member that was currently in training.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Around XX/XX/2019 I received an email saying my dispute results were updating during process when I mail the letter off to Experian on XX/XX/2019 and the tracking said it arrived on XX/XX/2019. This sound so interesting because I called XXXX XXXX XXXX XXXX and asked about my dispute over the phone and the representative said they never received my dispute regarding this alleged account same for XXXX XXXX XXXX XXXX. I told them my grievance and they immediately cleared my charged off account. Experian has failed to accurately and effectively communicate to these entities that hold this accounts in my name. When I have an identity theft report on file concerning these alleged accounts. Experian misrepresented my case of identity theft and failed to provide creditors supporting documentation on my behalf. Experian is now fraudulently listing these accounts and aiding in defamation of my character. Experian failed to conduct a proper investigation, without verifying the debt, and without communicating to the creditors. 

They are in violation with the FCRA and the FTC. On top of that Experian and other credit reporting agency are selling my personal information. 

EXPERIAN needs to opt this consumer out of disputing online. This consumer does not want deliver results of my credit report sent electronically. Please send all reports through the mail. Experian is not doing a through investigation and this is not the first time this has happen it has happen multiple times. I have asked Experian to delete the accounts they can not verify by documentation. Excuse my frustration at this time during this matter and hope you are understanding. Thank you.
Consumer complaint received 2019-05-14
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: EQUIFAX, INC. (GA)

I received e copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I've contacted the FTC and my police. I'm doing this on my own behalf. There are still items on my credit that are not mine. XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-05-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AL)

I was charged a late fee for XX/XX/2019, of {$36.00}. Also for XX/XX/2019, {$36.00}. I Called Lakeview loan, and the girl said she could only refund about {$29.00} dollars, and that the late fee was from XXXX. She said I wasn't charged a late fee for XXXX. I've had to call every month about this problem of late fees. I informed them that I get paid the second Wednesday, of every month, and that I mail my payments in 6-10 days before it's due on the XXXX. They don't process my payment until the XXXX. I know the post office is on time. They're just not processing my payments so they can charge me a late fee. They want me to set up automatic payments from my bank account so they can draft payments. They're too dishonest for me to let them have access to my account. Also I've put over {$200.00} dollars extra in my escrow account that I don't understand what they did with it. They have slowly been increasing my monthly payments. My payments should only be {$890.00} a month. I don't have an amorization schedule. Everytime I've asked for one, and that was from XXXX XXXX XXXX, and XXXX XXXX, they ignored me. I have yet to ask Lakeview for one. They don't even properly apply payments to my principal.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX servicing keeps incorrectly showing my account as being late. 
They recently transferred my account to XXXX, in the process of switching account they reported that I was late in XX/XX/2019. This is incorrect as I have paid my mortgage payment on XX/XX/19 for the XXXX payment. 
I tried to dispute this with Experian, but they keep denying my request even with a copy of my payment history that clearly shows that I am not 30 days and did in fact pay my XX/XX/2019 payment, and my XXXX and XX/XX/2019 payments.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/19 I disputed the account LVNV Funding is reporting on my credit report with the 3 bureaus. I also initiated my own investigation with LVNV Funding requesting Validation of the debt. USPS Tracking XXXX XXXX XXXX XXXX XXXX. 

LVNV Funding only sent me a copy of a bill. This is not validation and since they can not provide proper validation this account needs to be deleted.