davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PMAB,LLC (NC)

About 4 years ago I went the XXXX XXXX XXXX XXXX for a XXXX issue. A portion of the visit was not covered by my insurance. I paid the bill I was sent to the address I had on file. I sent the final payment of {$37.00} on XX/XX/XXXX. Unbeknownst to me, the XXXX company had changed collection firms and I was supposedly sent a bill with a different address for remittance. I did n't learn any of this until nearly XX/XX/XXXX when I started getting phone calls at all hours of the day and night 7 days a week from XXXX in XXXX, NC. I sent them faxes of my cashed check showing I had paid. They said I had to contact a company in CA ( the XXXX XXXX XXXX XXXX?? ) which I did. They were rude and told me I had obviously paid the wrong people. I paid XXXX XXXX and they cashed the check. I suggested that they should be collecting from XXXX not me. Well ... the calls stopped for awhile but they circle around again for several weeks at a time. In my humble opinion they could have written this off 3 years ago - or better yet corrected their records as I DID pay the bill - and saved a lot more money. I no longer answer the robot calls and I do not answer the " real person '' calls as they do not listen when I provide them proof that I 've paid. It 's extremely annoying. I have moved since this all started and I am not sure I can put my hands on the original documents anymore. BTW - I NEVER received a past due statement except for the XXXX I ignored because I had already paid the bill. I NEVER received any communication from XXXX, the XXXX XXXX XXXX or anyone else until that XXXX phone call in XX/XX/XXXX.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

Please see attached again. My funds have still not been applied correctly and I went thru the fees. Also as their attorney said BSI apologizes for claiming a request was a QWR when it was an appeal does not make it ok. I want my fees applied correctly as requested and the statement does not even show the extra XXXX claimed to not be applied. I would never know what was not applied without constantly having to question everything. It should have been XXXX not XXXX extra. I am so tired of this run around. I want my funds applied as directed plain and simple. If BSI bought this loan it is their responsibility not mine to prove fees. In regards to XXXX maybe they should realize XXXX never responded to any QWR I sent them. Never mailed me statements or anything. I found out they bought from XXXX months later and I contacted them asking for info. They never sent me a statement or fees or anything. The only thing they ever said is that they are working on XXXX modification that was sent. Never a fee, Never a response to QWR NOTHIONG!!
Consumer complaint received 2016-04-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (OR)

In 2015, I made XXXX payments of {$3700.00} to Shellpoint Mortgage Servicing. According to documents that were supplied by XXXX as well as statements made by employees and agents of XXXX, these payments would cover interest only. The payments were insufficient to cover principal, and in fact were not enough to cover the actual interest in each payment period. The total interest payments in 2015 totaled {$11000.00}. XXXX reported to the IRS that my interest payments in 2015 were only {$8100.00}. This is the figure that was supplied on the IRS form XXXX. There has never been an explanation as to what happened to the {$3100.00} difference. I believe XXXX is violating Mortgage Servicing Rules by either under-reporting interest paid in a year or failing to report on the reason for the difference between interest paid by the homeowner ( myself ) and interest reported to the IRS.
Consumer complaint received 2015-09-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (VA)

I received an offer to apply for the Synchrony Bank BP Credit card. I spend alot of money at XXXX XXXX XXXX in my area and could use the rewards that were offered. I, therefore, applied for the BP Gas card on XXXX XXXX, 2015. I was immediately told to call to finalized my credit application because I had an fraud alert on my Transunion credit report. I called and was told by the representative that I had to be verified by receiving an text to my phone. I gave my number and received an text. However, I did n't get all XXXX digits correct because I am partially XXXX. I was told I would receive an letter in 7-10 days. I felt I was being declined so called the next day in an attempt to be verified again. I was told I had to apply again but did n't know that my XXXX credit report had to be pulled again. I ended up with XXXX inquires in less than 24 hours. I was eventually verified but was told that once again I would receive an letter of the decision in 7-10 days. Well, I received XXXX letter stating that Synchrony Bank did n't feel comfortable approving my credit application. A few days later I received an denail letter stating that they did an manual review and also pulled my XXXX credit report to now decline me because I had too many accounts. Well, I am rebuilding my credit here. In addition, I felt the analyst seemed to be on an witch hunt to decline my application. Also, The letters of decline stated I was asked questions to verify my identity. This is false because I was never given an choice. Most banks would of given me the opportunity to verify my identity by sending in documents such as an driver 's license, utility bill and social security card for example. I feel I was n't treated fairly here at all! Most people who apply for this card only receives XXXX credit inquiry not XXXX inquiries. I have filed multiple complaints and warn others to stay away from this bank! They are suppose to be helping people improve their quality of life not looking for stupid reasons to decline credit applicants. The sad thing about the situation is that I carry a few of their other credit cards such as Walmart, XXXX & XXXX, Amazon, Gap card and HH Gregg credit cards. This bank needs to understand that when consumers apply for their credit cards the consumer wants and need these services. In essence, I was n't denied the credit card because of my credit. It seems that I was denied because I had an Fraud alert because someone tried to change my address back in XXXX of this year! This in my opinion was very frivilous reason to deny an consumer for credit!
Consumer complaint received 2022-08-13
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (SC)

The law states 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I didn't give this company any written instructions to furnish my credit report for any reasons. This company is in violation of multiple laws like Identity Theft as I did not provide my personal information to them and In violation of 15 USC 1681b permissible purpose. I am requesting that they show proof of the written instructions given from me or remove the inquires from all three of the credit reporting agencies ( XXXX, XXXX and XXXX ) immediately as it has caused me to have a bad reputation, character, and denial of credit from lenders due to inquiry.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (CA)

XXXX XXXX has submitted to the collection company Hunter Warfield unauthorized charges for cleaning fees from apartment I lived in for 1-year until XXXX/XXXX/XXXX California Civil Code Section 1950.5 States : " The tenant is not responsible for damages resulting from normal wear and tear You can not charge cleaning fees for conditions caused by normal wear and tear during the tenancy or previous tenancies, or for cleaning a rental unit that is as clean as it was when you moved in. '' Civil Code Section 1950.5 ( b ), ( e ). 

The lease agreement states : That I agree to leave the premises clean and in the same condition received, except for ordinary wear and tear. I left the premises in better condition then I received ( included are photos of the dirty apartment when I moved in ). According to the lease, California Civil Code and California Tenant Rights : when I provided my 30-day notice I 'm entitled to an " initial inspection '' that requires a list of proposed deductions beyond normal wear and tear. This inspection was scheduled on XXXX/XXXX/XXXX to be held on XXXX/XXXX/XXXX from XXXX-XXXX and no one showed up. I have phone records showing I called and talk to manager XXXX XXXX and she never got back to me, and no one showed up for my scheduled initial inspection. Under California Tenants ' Rights, the initial inspection shall provide itemized statement of intended deductions beyond normal wear and tear. 
The cleaning fees that Sequoia equities is charging are from normal wear and tear, which under California Civil Code Section 1950.5 I 'm not responsible for because I left the apartment in better condition and received my full deposit back. They have no documentation, stating that the cleaning fees are from beyond normal wear and tear because they never showed up to the agreed initial inspection providing me with the proposed deductions and the opportunity to fix any identified deficiencies beyond normal wear and tear. 
On XX/XX/XXXX I sent a letter to Hunter Warfield disputing these claims by providing evidence and asking them to validate the debt within the required 30-day period. Under the Fair Credit Reporting Act they are in violation by reporting these claims to the bureaus some 4-months later with no accurate validation required. After not receiving the validation. I contacted XXXX XXXX on XXXX/XXXX/XXXX no response so I called Hunter Warfield again on XXXX/XXXX/XXXX at XXXX pacific and talked to XXXX asking again for Validation they said " NO '' then a manager got on the phone and I asked him the same thing he said " NO '' then hung-up the phone.
Consumer complaint received 2023-07-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

PHEAA changed the interest rate on 2 loans back in XXXX of 2023 to the following : XXXX at 8 % and XXXX at 7.99 %. 

Then only a few months later effective XXXX of 2023, the following interest rate modification was made : XXXX at 8.5 % Keep in mind also that PHEAA failed to alert me of the change until after it went into effect, which is extremely concerning. This will be another complaint filed with several different agencies who oversee PHEAA 's operating capabilities. 

PHEAA/AES are doing this because I keep submitting complaints against their XXXX and they are trying to essentially get back at me for doing so. They will respond to this complaint and claim that it has something to do with periodic variable interest rate changes, but I find it convenient that because the amount of complaints have increased over 2023 that there have been 2 interest rate changes that favors PHEAA and in such a short time span. PHEAA discriminates against borrowers in all capacities. If a borrower makes a complaint, PHEAA uses that as a means to find and establish retribution.
Consumer complaint received 2016-07-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

In accordance to the National Ocwen Settlement agreement, Ocwen is to provide borrower a copies of any assignments of mortgage or deed of trust required to demonstrate the right to foreclosure. Ocwen has once again commenced foreclosure on our home without providing us the requested copies of assignments of mortgage or deed of trust. According to the National Ocwen Settlement agreement, Ocwen shall send borrowers a statement setting forth facts supporting Servicer 's or holder 's right to foreclose and containing the information required in paragraphs XXXX ( items available upon borrower request ), XXXX ( account statement XXXX, XXXX and XXXX ( ownership statement ), and XXXX ( loss mitigation statement ) herein. Servicer shall send this statement to the borrower in XXXX or more communications no later than 14 days prior to referral to foreclosure attorney or foreclosure trustee. Ocwen has posted our home for foreclosure without providing the requested documents before posting our home for foreclosure.
Consumer complaint received 2017-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Fidelity National Information Services, Inc. (FNIS) (ME)

Addendum to XXXX. CPRS claims letter was mailed to address on file on XX/XX/XXXX. I did not receive mailings from this company. Also, in the reply from CPRS, there are some companies, to which I do not conduct business with, that are raising some serious concerns. I do not conduct business with XXXX. I have been with XXXX, since XXXX. Also, I do not have an account with XXXX. My vehicle is currently financed through my local credit union. I previously had an account through XXXX, to which that account was closed in XXXX. Also, I do not have dealings with XXXX XXXX. These account belong to others. Also, this is very alarming, as others may have my account information, as well as I was sent account information on others. Also, the date of XX/XX/XXXX, is from a fax server. This hereby proves no letter ( s ) was ever mailed to me.
Consumer complaint received 2015-12-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

My wife and myself were denied a new mortgage by XXXX mortgage companies. My former mortgage company ( OCWEN ) has placed a late notice against my credit report during the process of stopping a loan modification. This mortgage has been paid off and refinanced to another mortgage company and OCWEN has been less than helpful about removing this late notice. I had made several attempts to make my mortgage payments, even contacting my bank representive on numerous occasions. The bankers kept telling me my account was in research and to not worry this would not impact my credit, that was not the truth. I have looked on XXXX XXXX and XXXX and can not locate any credit late issues with OCWEN. I believe that I am being treated unjustly and would like something done to resolve this.
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I have been victimized by an identity thief. They established several loans in my name and opened several checking accounts with credit unions and banks in order to withdraw funds from loans obtained fraudulently. I sent chexsystems via fax a copy of the police report that i had amended including XXXX checking accounts that were reporting in my name in their system. I had received an updated copy of my Chexsystems report showing the accounts removed. But later got an updated report showing the XXXX fraudulent checking accounts with XXXX and with XXXX Bank. This has been an ongoing issue in trying to get my name cleared. I should have nothing negative reporting on my file and only XXXX inquiry that belongs to me from XXXX. I am attaching to my complaint the amended police report that shows those XXXX fraudulent checking accounts on the police report
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

The reason I am complaining to day is because I went to XXXX XXXX union to close on a loan and when they went to establish membership for me and got a copy of my chexsystems file they denied me based on information that they received from Chexsystems. XXXX is saying that there is an account with XXXX XXXX reporting a {$52.00} charge off. I have never conducted business with this company and I called them to verify with my social if they have me in there system? and they had no record of any account with my social. I contacted the chex systems phone number and gave the representative my information and he was able to pull up my file but found no record of any account reporting a charge off in my name. The bank is requesting a letter from chex systems stating that their are no negative charge offs showing on my report. Chex systems is telling me they will be mailing me my file but this is not going to help me as I am on a time limit in approval for this loan that I have been approved. My father and my brother carry the same name and I am afraid that my information might be getting mixed when financial institutions pull my file. This needs to be addressed with chexsystems.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

We tried for years since XX/XX/XXXX to get a modification after my husband got sick and was not able to work driving long distance trucks any longer. We started with XXXX XXXX Mortgage but they sold our loan as soon as I made the request for a modification. We were sold to Nationstar Mortgage. It took over a year to get everything done with them. The modification went through on XX/XX/XXXX. Our mortgage was lowered from {$1400.00} to {$1100.00} with fees of {$15000.00} and 10 years added to our mortgage. Around XXXX we received notice that our land/house taxes with the county was not paid. I called Nationstar and they realized when they did the modification they left off the taxes from the escrow. They paid the taxes BUT when they reassessed XX/XX/XXXX, they notified us that the payment would go up due to the reassessment to the {$1400.00} which was the same payment it was before the modification. Therefore we paid {$15000.00} and got 10 years added to our loan to get a modification and lower our house note only to once again see the payment go back to the original payment because they made a mistake in the initial paperwork. This does not seem ethical or fair to a consumer already in trouble with making the payments. Please help us with this.
Consumer complaint received 2015-09-27
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I wanted to add my original contract to my complaint. Showing my payments were XXXX no taxes and no ins. 
We took out an earthquake loan with XXXX. After several years turned it over to ALS. Who after several more years turned it over to Nationstar. The loan did not include Insurance and taxes. My XXXX Mtg holder paid that. XXXX was a XXXX loan. Everything was fine until Nationstar took it over and opened up an escrow. I kept telling them someone else paid taxes and ins. but it did n't matter. About the same month they took over I completed a form so they would not pay insurance and taxes. I faxed it back the same day I got the form in XX/XX/XXXX the same month they started receiving my payments. Then I faxed it again. Then some time later I faxed it a third time. Each time I faxed it I had to send them the orginal with my signature on it. They said they would not just go with a fax. I told them again and again that XXXX was my payment that cover principal and interest. They insisted opening an escrow account, takeing part of my payment, part of the XXXX and placeing into an escrow acct. This would leave my payment short and they then said I did n't make the payment. This went on for 3 years. They kept telling me I was late and payments were due. All along I paid the whole XXXX and no payments were late. They added late payments onto my account. They told me I had to pay XXXX which I did above and beyond my payments. Then I paid more money above and beyond my payments, which I did. Then the company wrote me a check, then again, and again. I guess they found out I was not supose to have the taxes and insurance taken out and started refunding the money in my escrow acct. Instead of putting the back with my payments. All along telling me I was not makeing my payments. I sent them back XXXX checks in the same amount of the checks they sent to me. I called and explained. what the checks were for. They still have me late on my payments of over {$1500.00}. No one of any importance will talk to me ( anyone that could correct the problem ) Everytime I telephone I get a different person, they are on a rotory line. This problem will never be corrected. I 'm trying to get it corrected so I can refiance with the people I bank with. They said as soon as I get my credit score up they will refinance. They say they know all my payments were made and on time because I made the payments thru them. But they said they cant turn in a payment application until my credit score is raised. My credit score will not go up until Nationstar corrects the problem they caused. I can reduce my interest rate but not until Nationstar corrects the problem. I will attemp to attach the documents, Im not real good on the computer. My payment is XXXX but my recent payment coupon said {$3000.00} is due.