davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (SC)

TIme sensitive!

Auctioning off my home on XX/XX/XXXX in XXXX XXXX, SC I missed the foreclosure hearing. XX/XX/XXXX according to XXXX Clerk o crt. Since XX/XX/XXXX i was summons to answer complaint. Since the action started, my Mortgage co has denied the remodifications plans. On XX/XX/XXXX I sent my written RESPA requests to assist me in figuring out how to resolve my foreclosure. On XX/XX/XXXX i received their acknowledgement of the requests and would be sent to me assurances.

Later in XX/XX/XXXX, i began receiving info from a debt collector/attorney About how i may want to start getting out of the house. Some of there mail came certified, some came regular mail and some never made it to me. I didnt understand the aggressiveness of the debt collectors mail. Also their strange request.

With the threat of the impending foreclosure action starting back up I needed my " RESPA '' questions and audit to determine my disposition - plan of action if needed. I then learn of my missed court hearing and have been in SHOCK.. ive informed the clerk of courts office and the Plaintiff -Nationstar/mr cooper.

I was not afforded my rights to a hearing. I feel there was a deliberate plan by the DEBT COLLECTOR 'S to have this foreclosure hearing w/out the defendant present. NATIONSTAR/mr cooper choice of collectors of debt should be in question.

I NEED HELP FAST. XX/XX/XXXX HOUSE UP FOR AUCTION. PLEASE POSTPONE!

Please help me. All i need is a chance to get my respa requests answers reviewed and then if necessary, auctioning of my home. 
XXXX XXXX. XXXX XXXX XXXX XXXX PLEASE AND THANK YOU. Urgent
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I checked all three of my credit reports at the end of XX/XX/XXXX and AFNI collection agency for XXXX was on all three reports. I disputed on all my credit reports because the debt does not belong to me. The debt was deleted off XXXX  and XXXX in XX/XX/XXXX but not off my XXXX credit report. This isn't a debt of {$920.00} which was placed on credit report on XX/XX/XXXX isn't owed by me.
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (MA)

AFNI Keeps contacting me informing me that i owe XXXX from an old XXXX XXXX XXXX phone that was swapped to a new account years ago. I contacted XXXX XXXX XXXX and they indicated the account was paid in full otherwise they would not have moved my number to a new account ( XXXX XXXX XXXX policy ). I contacted AFNI and wrote to them indicating the account was paid in full. While on the phone they informed me my credit score would be taking a hit very soon so " SURE hope i wasn't going for any loans soon ''. They also said even if i was successful in getting it removed from my score history it would take a long time and what was my time worth. I told them several time i did not owe the money but they continued their threats. This feels like extortion and intimidation and it is unfair to consumers. 

Now they are requesting Identity Theft Victim complaint information from me. 
They want me to send them 6 pages of personal information.
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc. (MD)

On XX/XX/XXXX, I contacted MBW after XXXX told me that my debt was sent to XXXX XXXX. I did not get a letter, email or anything in writing from MBW informing me of the debt owed. There was no validation in writing from MBW of the debt. When I contact MBW, Rep XXXX informed me that I owed {$690.00}. I informed him that I was on a fixed income and could not pay the debt owed. Afterwich, he transfered my call to Rep/Agent XXXX. I tried to explain to her that I didn't not owe the debt that XXXX is stating based on information from XXXX. XXXX is the representative for XXXX. XXXX stated that my account was credited for billing, therefore no debt was owed to XXXX. Needless to say, that didn't matter to her as she wasn't very pleasant. She was only interested in setting up the payment arrangements. She said she needed {$30.00} at the time to start the payment plan and keep it from going to the credit bureau. Afterwich an amount of {$110.00} will need to be payment monthly ( starting in XX/XX/XXXX ) for the next five months. Again, I stated that I was on a fixed income and could not afford it but it seems to not really matter to her. So I began the pain staking task of setting up payment arrangement by providing my bank information to MBW to keep my name from going to the credit bureau. She said that I will get a written letter starting in XX/XX/XXXX after each payment is made. I was not given the opportunity to resolve this issue with XXXX before MBW started the collection process.
Consumer complaint received 2018-05-29
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: HW Holding, Inc (TX)

I have been disputing 2 accounts since XX/XX/2018. I reached out to the collection agency and have yet to have received a response. These are not my debts. One amount is for {$3600.00} that started out as {$3600.00} and the other alleged debt started out as {$3200.00} and increased according to XXXX as {$32000.00}. How do you have a {$29000.00} increase within 60 days? I did make a phone call to Hunter Warfield when I first noticed it but never could get anybody on the phone, which is why I asked for help from the credit bureaus initially. I have asked for evidential validation of these accounts ; however I do see that XXXX went and closed these accounts after I requested to either validate them or remove them. I also sent a dispute letter via fax to XXXX. I also requested information since they were adding interest on this account because all third-party debt collection agencies are required by Texas Finance Code, Section 392.303 to provide evidence that they have the authority to collect interest or a charge, fee, or expense incidental to the debt obligation. Also, it is to my knowledge to cease collection as a dispute is being investigated. Substantial amounts of interest were added on as I disputed these accounts. Clearly these are outstanding violations and definitely not protecting my consumer rights. This is absolutely unacceptable. I am hoping that you can help me. I have attached the letters and receipts I sent over. I crossed out my name for my protection. If you need any additional info please feel free to let me know.
Consumer complaint received 2018-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (FL)

I hope you can help me. There is an account that continues to report in my credit file that actually belongs to my father. I don't know if its the bureaus not doing their job or this collection company that continues to report the incorrect information but it still appears on my file after disputing it several times. The company 's name is Advanced Collection Bureau Inc. account number the bureaus are reporting  XXXX and the company name where it originated was XXXX XXXX XXXX XXXX. I contacted them personally and they verified it did not belong to me and doesn't understand why the collection company would report this. Which also makes me question if the bureau actually researched the item.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Our firm, XXXX XXXX, XXXX has been monitoring our client 's request for mortgage assistance to Select Portfolio Servicing , Inc. ( " SPS '' ) to ensure SPS 's compliance with Regulation X. For the past few months, our client has been trying to get his application reviewed by SPS. However, SPS has failed to act diligently in its review of his application and even failed to inform Plaintiff 's foreclosure counsel of the active status of the loss mitigation review, which ultimately led to Plaintiff pursuing and obtaining a foreclosure judgment against our client improperly. 
Our client submitted an application for mortgage assistance to SPS on XX/XX/XXXX via facsimile. The application package was also submitted to SPS via U.S. Certified Mail. On or around XX/XX/XXXX, SPS sent our client a request for additional documentation. Subsequently, all of the requested items were submitted in a timely manner via facsimile to SPS as directed. On XX/XX/XXXX, we called SPS and confirmed all of the documents were received and nothing further was needed. Then on XX/XX/XXXX, we called SPS again to determine the status of our client 's application. During this conversation, we were informed for the first time that additional information was still needed from the borrower. After conferring with our client, we provided the requested information to SPS over the telephone on XX/XX/XXXX and we were told the application would be promptly submitted to the underwriter for an evaluation. 
Despite being actively engaged in loss mitigation efforts with SPS for the past several months, counsel for Plaintiff in the foreclosure action ( i.e. XXXX XXXX XXXX, XXXX ) has been actively pursuing a foreclosure judgment against our client by means of a Motion for Summary Judgment, which is a clear violation of 12 CFR 1024.41 ( g ). Not only was Plaintiff 's counsel actively pursuing, but it was also successful in obtaining a foreclosure judgment against our client on XX/XX/XXXX. SPS did not conclude its evaluation of the borrower 's complete application for mortgage assistance until XX/XX/XXXX, and pursuant to the denial letter and applicable federal regulations ; he still has 30 days from that date to appeal the decision. Please note, we definitely intend to appeal the decision because there were several errors made by SPS in the calculation of our client 's income and the NPV data inputs but we will be addressing our appeal under separate cover. 
Due to the foregoing, Plaintiff 's counsel was prohibited from seeking a judgment against the borrower and was even required to take steps to request that the court not issue a judgment prior to the conclusion of the loss mitigation review, which it clearly did not. We believe SPS is responsible for directing the activities of foreclosure counsel and thus are fully responsible for the improper and actionable steps taken by XXXX XXXX XXXX, XXXX in connection with this matter.
Consumer complaint received 2018-05-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I recently tried to refinance my mortgage. I have a FHA backed loan with an FHA case number. Chase told me that the loan was not an FHA loan, but I sent them documentation showing that I had an FHA case # attached to my statement years after the loan closed. I also had the HUD-1 that proved the same.

The loan officers proceeded to tell me it was showing FHA, but they couldn't find the case number. I've been getting charge PMI on the FHA loan since XX/XX/XXXX, but they couldn't refinance as FHA. Instead of investigating further, the loan officers just repudiated the loan. The loan officers are XXXX XXXX NMLS ID # XXXX and XXXX XXXX.

Please look into this case. Before contacting a lawyer about this, I would like to see if Chase can get this resolved internally. There seems to be something dubious about this to me.

Regards, XXXX XXXX
Consumer complaint received 2018-05-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MA)

XXXX XXXX is the credit card for hundreds of retailers, and I have two active cards with them that are in good standing and are account I have had for a long time in good standing. I realized I missed my {$27.00} payment to XXXX XXXX XXXX  due on the XXXX or XX/XX/XXXX, and I proactively called into the XXXX number to let them know I would pay it on XX/XX/XXXX. So less than two weeks late. The girl told me there would still be a late fee, and I know that is the case. I called in around the XXXX or XX/XX/XXXX. Starting on XX/XX/XXXX up until now as I am writing, I have received THREE calls per day from XXXX XXXX, mostly all different phone numbers, but all saying XXXX. Maybe they are call centers all over with all different numbers. I am not answering the calls because they are calling about the {$27.00}, but I already called in proactively and set up a payment with them. They called on Sunday and on XXXX XXXX, too. I am thinking this is very very excessive.
Consumer complaint received 2018-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hello, i was looking through my credit report again couple of hours ago, and notice items that i been going back and forth with the 3 credit bureaus since XX/XX/2017 and they yet to get them resolved. I've called, mailed several letters and asked for update and they haven't updated those items. There are several accounts listed with multiple inaccuracies and it's a total violations to the state and federal laws. 

XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX  XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report.
Consumer complaint received 2018-05-29
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. (MA)

Hello, i was looking through my credit report again couple of hours ago, and notice items that i been going back and forth with the 3 credit bureaus since XX/XX/2017 and they yet to get them resolved. I've called, mailed several letters and asked for update and they haven't updated those items. There are several accounts listed with multiple inaccuracies and it's a total violations to the state and federal laws. 

XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX  XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX  Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX  Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2018-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I received a credit card from hsbc bank. I had issues was not working and received a debt release or credit release indicating since I had not paid my debt, It would be added to my income. Since it was added to my income then it became as a debt that was paid. They should not be reporting to the credit agency as not paid. XXXX, XXXX and XXXX. I have already reported the debt as part of my income and was taxed on that incomed. This appears to be a form of accepting payment twice for credit that was added to my w2 form as a form of income. Is this a legitimate business practice. If it is please explain the law or statue that allows it. Not a business policies. Policies are not laws. 
Please assist me. My complaint is with the merchant I will file a dispute with the creditor after I get a response from the merchant.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/18 I received a Synchrony Bank Walmart Mastercard in the mail that I did not apply for. I called the customer service number on the back of the card and cancelled the card immediately. I was not sure why I received this card. The agent said that I needed to provide my private information for this card to be generated. I never ever applied for this card. It is strange that the card came to me in my name. I would think that if someone stole my info, they would have had a card sent to them ( in their name ). I NEVER provided information, or applied for this card.
Consumer complaint received 2018-05-31
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CT)

This is a debt for my son in law brother no relation to me.Her name is XXXX and told me to pass the information on and have him call her she told me she was from XXXX XXXX XXXX and said she would call me again if he didn't call her. She should not call me no matter what I am no relation to the person she is trying to collect from therefore there is a privacy issue. I did not sign for his student loans or was I used as a reference. This is unethical practice.
Consumer complaint received 2018-05-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAINE & WEINER COMPANY, INC. (CA)

CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The company is trying to collect XXXX in behalf of XXXX. They have reported to the credit agencies this information incorrectly and now are involving XXXX to report the information incorrectly to replace their name as the collector of the debt. I have been advised that this debt was going to be corrected but it now is being used to hurt my credit by XXXX and Caine Weiner initiated it and replaced their name with XXXX 's name. There is no proof that this debt is mine and I have made the request to provide this information and it is up to 4 years old. This information has been reported to 4 credit bureaus. This is purely a tactic to harm me as they have stated that they would do by moving the debt from them to XXXX and back and forth to keep reporting it badly on my credit report. I am now being reported badly with no proof. This has been ongoing for over 6 months and continues with misrepresentations and new bad information showing up on credit reports.