davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (PA)

I was off work for several months due to a medical issue causing all of my bills to be past due including my mortgage. When i called to make a payment to attempt to reduce the delinquency they refused to take a payment unless i scheduled 2 payments since i was past due. I scheduled the 2 payments in XX/XX/XXXX letting my utilities go which lead to them being turned off. i need to make the full payment on the utility to get the service back on leading to additional missed mortgage payments. I submitted a payment in XX/XX/XXXX and again in XX/XX/XXXX via XXXX. They rejected and returned my XX/XX/XXXX payment have have refused to accept my payment. I need to move my missed payments to the back of the loan and i have submitted a financial statement to them hoping they will work with me. I am back to work and can make payments going forward- but I can not make up the past due amount. I can also schedule monthly or bi-weekly payments if they will work with me -I just can not submit the amount they are asking that is past due. I do n't want to lose my home and need help working out a repayment plan with them.
Consumer complaint received 2017-04-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

This has been a constant long overdrawn situation! I have had this company add medical bills on my credit report then take them off and add them again. I also received an alert from my fico indicating that a new collection has been added to XXXX without any knowledge or verification or validation. I have sent the credit bureaus multiple letters to please SHOW ME ACTUAL PROOF that I signed or used an insurance card or was seen in such known facility. The letter from ARS does not indicate such thing.. these same collections has been removed in XX/XX/XXXX and added back. I want proof or delete them.. I have asked numerous of times. I have also uploaded the correspondence received from ars the service dates are not matching what was placed on my credit! Please send me validation of records.. from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (VA)

I have a mortgage through Loancare, with loan number XXXX. I made a payment on XXXX XXXX, 2016 for {$2200.00}, but as of today, XXXX XXXX, 2016, Loancare has not issued a statement reflecting this payment, and therefore has not indicated that another payment for the same amount is due on XXXX XXXX, 2016.
Consumer complaint received 2015-09-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

in 2014 I was taken off work XXXX. I was current on my mortgage until XXXX 2014 when my income was cut out in over half. I tried to work with the mortgage company Carrington mortgage company XXXX XXXXXXXX. They told me I could get mortgage assistance and they have used excuse from not having the proper documents but they had in their possession. Then they wanted more proof of pay stubs, which again once I received them I sent them in. I have done everything to fix this issue and they refuse to help they are rude unprofessional and I have tried everything. I do not want to lose my home and made that perfectly clear but they wont help me at all. I would like a lower payment and time to resolve this issue fairly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same address as the mortgage. Please help me. I am a XXXX veteran rated 70 % pending 80 % within a month so now I am exempt from property taxes now. Thank you XXXX XXXX XXXX
Consumer complaint received 2015-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recovery Solutions (GA)

In the summer of 2012, the company I worked for was shut down. Without work, I was forced to part ways with my apartment complex, XXXX d.b.a. XXXX. XXXX XXXX XXXX hired a CONTINGENCY based collection agency in XXXX, called Rent Recovery Solutions. I attempted multiple times to settle the debt with Rent Recovery Solutions, but they refused. I have not received any contact from this agency in over two years. I decided to call and offer to settle again, which they also refused. They informed me they did not purchase the debt, and therefore, do not own it. So I decided to call the original debtor directly to negotiate a settlement. As I found out, the original debtor, XXXX XXXX XXXX, filed for bankruptcy and dissolved in 2012. I spoke with the new property management, and they have no records dating that far back. There is not enough information to verify this debt exists any longer if the original debtor is completely dissolved and did not sell the delinquent account to Rent Recovery Solutions to collect. I contacted the collection agency again to discuss the matter, but they will not return my calls. Rent Recovery Solutions is falsely representing themselves as a 3rd party representative of XXXX XXXX XXXX, a company no longer in business. Without the collection agency purchasing the delinquent account, they have no right to collect.
Consumer complaint received 2016-09-02
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: The J. G. Wentworth Company (VA)

My ( new ) mortgage servicing company ( VA insured loan ) has unilaterally raised my monthly mortgage payment by over {$200.00} ( an almost 20 % increase ), due to a " claimed '' shortage in my ESCROWS account.
Consumer complaint received 2016-06-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (FL)

KIA Motors Finance is not reporting my payments information in a timely manner to the XXXX credit bureaus. There is a lapse of about three months until the report my payments information. This situation is affecting my credit score since my reports are showing more debt than what I actually owe to KIA Motors Finance. I contacted them in many opportunities and they refused to help me, saying that they are reporting the information.
Consumer complaint received 2016-10-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (MN)

I am trying to contact ACS Education Services about deferring my loans while I am on a XXXX XXXX. I believe my campus based loans were Perkins loans, but I need to verify that and where to send the forms. Over the last month, I have sent two emails that went unanswered. Today I tried twice to call and stayed on hold for 30 minutes or more each time. There is no estimate of how long the phone hold will be. I would like to be able to contact ACS Education services in a reasonable amount of time.
Consumer complaint received 2015-05-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I vacated the house I owned in XX/XX/XXXX or XX/XX/XXXX. My wife at the time moved out and I could not afford all of the bills I had on my own. I filed for bankruptcy and moved to an apartment. I surrendered the home in bankruptcy. I have no interest in moving back into the home, since I have started a life in a completely different area. I have taken excellent care of my finances since that time. I would like to buy another home in the near future and I am approaching the necessary waiting period after bankruptcy. However, since the bank never moved forward with foreclosure on my old home, it still appears on my credit report as mine. Also, once a foreclosure would take place, another waiting period would begin before I could buy another home. Realizing this, I contacted a real estate agent and foreclosure lawyer and initiated a short sale XX/XX/XXXX. We are at the one year mark now and the process is still not complete. My lawyer has been great about keeping on top of this and trying to move it forward as much as possible, but the bank continues to delay the process. Many of the issues the bank has been bringing up simply are not applicable to someone in my situation. They have had me provide my budget several times and have asked for me to provide evidence of insurance on the home. I keep telling them that I surrendered the home in bankruptcy over 5 years ago. The bank is Carrington Mortgage. They took over the mortgage from XXXX XXXX XXXX. Please contact them and ask them to move the process forward.
Consumer complaint received 2024-10-06
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

A Kohls Credit Card was sent to my home address and when I looked at my XXXX XXXX, it shows that a Kohls Credit card was opened in my name 19 days ago ( XX/XX/year> ). It shows a balance of {$0.00} as of right now, but that could be subject to change. My first action is to submit this report, I will attempt to cancel the card next through the company Kohls.
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

Select Portfolio Services ( SPS ) is my mortgagr lender. In XXXX XXXX I applied for a loan modification, and they granted me a trial modification, from XX/XX/XXXX-XX/XX/XXXX. Despite making the required payments, they dropped me, and on XXXX XXXX declared me in default. Since then they have harassed me with field service inspectors coming to my home ( 3 times last week ). 

In a phone call today they stated that they have no contractual obligation to grant me a permanent modification even if I make the payments. They said in a letetr I was in default unless I paid 3 months of payments of about {$3700.00}. Their phone staff have stated that if I pay one installment of XXXX it would delay my default, but they will not confirm that in writing, and it turns out it is a false statement. 

They delayed posting a payment by 3-4 business days in order to cancel the trial modification. I believe their motive is that they want to get out of the deal and obtain possession of my home because it has strong positive equity. 

They posted my last payment XXXX/XXXX/XXXX, and did not apply it to the trial modification.
Consumer complaint received 2017-01-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: S&S Physician Services, Inc. (TX)

I was a victim of identity theft and noticed a collection from XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

This is a continuing problem from my last complaint. My home was foreclosed on by XXXX, but it is being actually pursued by SPS, a servicing company that inherited it ( although there are no documents to support this ) from XXXX. I continue to be jerked around in their loss mitigation process. I submitted the final documents in my application for home retention on XX/XX/XXXX. Since that time, I have followed up with their customer service numerous times, most recently being Friday, XXXX XXXX, XXXX. Even though their website status continued to indicate that I still owed them documents, every conversation with their customer service reps indicated that they had all the documents necessary and were moving my package into status to be reviewed. However, there is a foreclosure sale set for this property for XXXX XXXX, XXXX. As of XXXX XXXX, there was no indication that the lawyer representing SPS had been requested to submit a motion to stay the sale. I called again today, XXXX XXXX, XXXX, and went to the Ombudsman 's office instead of regular customer service. I was told that because a XXXX tax return was missing signatures ( my first time hearing this, and they 've had that document since XXXX ), my package had been closed and denied. When I informed her that I recognized this as yet another runaround, she indicated that the package had " expired on XXXX XXXX, XXXX. '' I asked what that meant, since I had submitted all documents before that date, but they continued to erroneously indicate that some were still missing, and she said that the notes do indicate that I called in and SPS located the documents. She then told me that the lawyer had been notified to file the motion to stay the sale on XXXX/XXXX/XXXX, and that as soon as they got notified that the sale had been stopped, they could reopen my file and actually evaluate it for options. In the past, the attorney has waited until the last minute to file stay motions, and even then, they only ask for 30 days, even though it clearly takes more like 90 days to work through the loss mitigation options, any necessary appeals by me, etc. I 'm about to crack under the stress and pressure. It 's affecting my work, my job and my home life. How can these servicing companies get away with treating customers so poorly and illegally? Will you please intervene as you have before, and insist that they request the stay of the sale, and postpone it for at least 90 to 120 days to give us time to work out any loss mitigation options?
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I have requested my Chex System report twice, once several months ago. They are yet to send it to me. I was recently denied an account my XXXX XXXX XXXX based on information they provided.
Consumer complaint received 2015-08-31
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Alliance One, Inc. (CO)

AllianceOne continues to contacted me XXXX consecutive times during work hours and told them to contact me after XXXX MST for a XXXX XXXX credit card for {$330.00}. AllianceOne have failed to protect my rights so I am requesting them to cease and desist since they are in current violation of my consumer rights. 

Debt Collector Information : Alliance One ( Representative : XXXX ) XXXXXXXXAllianceOne Receivables Management, Inc. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2017-02-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: PNC Bank N.A. (NY)

This is the second complaint I have filed. I have been in contact with PNC about repayment of a private loan. I spoke with them explaining I would not be able to pay the monthly payments because they are too high. 
In XXXX I broke my heels and became XXXX and unable to work. I have told them this and asked for a loan modification but was denied. I have been speaking with them since XXXX about this issue. My first payment was XXXX/XXXX/17, it was {$730.00}. It is now XXXX/XXXX/17 and I am expected to pay not only this month 's payment but last month 's payment as well. I simply can not afford it. All I have asked was for an affordable monthly payment, but PNC has said there is nothing they can do. I want to pay but I am just unable to afford the payments.
Consumer complaint received 2016-06-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CONTRACT RESOLVE GROUP LLC (TX)

This man, XXXX XXXX of Contract Resolve Group LLC has conveyed all my business to an employee of my company. He has made threatening telephone calls and emails to my landlord, the City Health Department, and continues to place telephone calls and texts to me after being told numerous times not to contact me. He is abrasive and goes out of his way to contact external parties to taint my business relationship ( s ).
Consumer complaint received 2015-12-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (OH)

PNC Bank cleared a check in the amount of XXXX dollars on XXXX XXXX, 2015. It was for a new part time I job and I had a representative verify the fund with XXXX. The branch manager confirmed the funds were available and that there would be no issue depositing the check. I told him a coworker had an issue and I wanted to be extra sure. The branch manager then told he that the check had already posted to the account and that there would be absolutely no problems with depositing the check. The XXXX XXXX representative confirmed the issue as well. I called into the call center twice as well to confirm that there was no issue with the deposit. The call center representatives both confirmed no issues on XX/XX/2015. 

On the XXXX XXXX, 2015, I noticed a large withdrawal on my account in the amount of the check. I did not receive any communication from the bank about any issue with the check or with my account. Because it is close to the holidays and I had been assured there would be no problems with the transaction several times, the funds were not in the account and it caused my account to overdraft. 

When I went into the bank to figure out what was wrong, I was informed there was an issue with the deposit. Apparently the check was fraudulent. I called the issuer to notify of the issue and filed a report with the local police. I asked if there was anything else I could do with the bank to make the account right, and they told me it was my fault. Despite verifying the funds several times, I was supposed to know the check would not clear. They refused to take the police report and to assist with the issue further.
Consumer complaint received 2015-04-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (DE)

PNC Bank is almost impossible to make contact with regarding my second mortgage loan. Each time I attempt to call I 'm on the phone no less than an hour trying to get to the department that handles my account. First they changed the account number without notifying me. The branch office where I pay my loan could n't find my account, subsequently I had to wait 40 minutes before they were able to process my payment. They gave me what they said was supposed to be my account number. Several weeks later I attempted to call the PNC regarding a notice they sent me and ended up being on the phone for over an hour, because no one could find my account number. This happens all the time!! It appears they do n't want customers contacting them. I do n't have a department phone number, there 's never any number for contact on any correspondence they send me. Additionally, I 've tried to refinance this loan several times when my credit score as well as my wife 's credit score was in the XXXX area, and we were refused, although we paid our mortgage {$1000.00} on time with a 9.74 % rate. Although now we are retired and our income has n't increased we are paying the mortgage late each month, which means PNC is charging us {$100.00} late fee each month, which is further financially destroying us. We 've had this 2nd mortgage since XXXX/XXXX/06 and we do n't want to continue to be treated unfairly, unlawfully, taken advantage of and discriminated against.
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Privacy — 
Company: PNC Bank N.A. (PA)

PNC has violated my privacy by placing my private XXXX information inside of my son 's student virtual wallet account. My son is not a joint owner, not a co-signer, not an authorized user, nor entitled to access my XXXX in any way. PNC has confirmed that my son is not associated with my XXXX account. Yet to access my personal XXXX information, I must first access my son 's student virtual wallet account. To pay my XXXX bill, it must be done through my son 's checking account. I have contacted PNC three times over the course of 5 days. PNC has refused to remove my XXXX account information from my son 's student virtual wallet account. A PNC customer service agent has told me that there is no way for PNC to restore my right to privacy with my XXXX information.
Consumer complaint received 2016-02-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

I opened an account with PNC bank under a {$400.00} checking bonus offer. All of the requirements were met in XXXX, and the required time has passed but the bonus was not honored. I contacted the bank and it seems as if they have, and possibly never had, any intention of honoring the {$400.00} bonus used to entice me to open the account.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.