davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

On XXXX XXXX, 2015 my home windows were plastered with Trustee Sale papers for all my neighbors to see. 

I immediately called XXXX XXXX, the " single point of contact person '' assigned at Caliber home loans to find out whatwas going on. When i called she said, that caliber and trustee corps were going to sell my home of 17 years. I told her that this would be a grossviolation of my home-owner bill of rights due to the following:1. I was in an active " Dispute of the alleged Debt '' from XXXX and that I did not owe the alleged amounts that they are alleging. 

2. I have an active " Request/Demand for production of QWR and Debt Validation proof '' 3. I have an active " loan modification '' package on this account if and when Caliber can establish the " alleged amounts that they are claiming as due. 

4. I have not received any mail. email nor phone call with notices of any default or of the upcoming foreclosure sale. 

5. She said that Caliber got this account XXXX and that they took it and they did not have to communicate anything I told her that I have not received any good bye mail nor notice of the previous XXXX nor a hello or notice of Caliber as the foreclosing bank or entity and that she and I spoke in XXXX XXXX and that she was going to mail me information which i never received, never the less I sent them an " official debt dispute '' on XXXX and since then have n't received anything from them. 

Therefore, they should immediately " stop '' the sale of my home. 

As of today, they are changing my single point of cantact, have not given me any information and appear to be pushing to sell my home of 17 years. 

I need your help to stop them from doing so especially, while all of this is being sorted out and investigated.
Consumer complaint received 2015-06-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: California Business Bureau, Inc. (CA)

I have never used the hospital in question for any medical needs, this is an error. The Hospital listed is XXXX XXXX XXXX Hospital, Someone has billed me for this in error. 
There are XXXX neg reports from this Hospital, however I have never entered this medical facitly
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. ()

I paid off my mortgage and I asked for the orginal note back, then I had My lawyer XXXX XXXX ask for it ... .they will not return it to me. In Washington there is case law that says I 'm liablble if I do n't get it back and I 'm very worried about that happing. If I pay the note off I need it back ..the orginal and NOT a copy ... they could be selling it again in a pool on XXXX for all I know ... can you help? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX Property Address I paid off is XXXX XXXX XXXX Mo XXXX
Consumer complaint received 2016-07-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

An acct was opened in my name with XXXX XXXX. Once I discovered this, I informed XXXX XXXX that it was not my debt. The account was charged off at some point and removed from my credit file in XXXX XXXX. I received a notice from Portfolio Recovery Services on XXXX XXXX, XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files in XX/XX/XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. Portfolio Recovery Associates only sent me a collection letter and a XXXX XXXX statement from XXXX as verification on XXXX XXXX, XXXX. Which is not validation of this debt. I responded to their letter on XXXX/XXXX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.
Consumer complaint received 2016-12-21
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Churchill Holdings, Inc. (FL)

XX/XX/XXXX or XX/XX/2016 we contacted Churchill Mortgage ( recommended by XXXX XXXX ) and asked about a refi of our house while rates were down. We explained upfront that we had a prior Ch. XXXX Bankruptcy that was over 2 years discharged and included a property that was surrendered and foreclosed. They said that was not an issue and that they could handle the loan. We proceeded to spend 2.5 months trying to get a rate lock and confirmation from them ; I have attached SOME of the very many, many emails. First they tried to force us to sign an application ( filled out by them ) that had incorrect information including my incorrect name, job, loans- I refused to sign a false document even though they pressed me to and said it did n't matter. Finally they agreed to let me fix the errors. Then they repeatedly asked for documents which we sent multiple times via multiple avenues ( email ; fax ) ; they kept losing them, kept requesting them ; finally they said they could get them in-house ; then they said they could not. We were told so many times that they had everything only to come back needing some document we had already sent. They dragged this on for so long that rates have gone up and now they simply wo n't communicate with us at all. We want a refund of the approximately XXXX $ they charged us for a credit check and they should, in our opinion, pay us some kind of damages for leading us down a path when we now can not get the 3.65 % ( approx ) rate that they said we would get when this started! What kind of damages is that if they wo n't close the loan at the original rate told to us?? Furthermore, they do n't even know the XXXX loan laws! They have known for months that the ( old ) property at issue was part of a BK surrender/foreclosure- but they ca n't seem to read BK documents, Orders, discharges, and deeds to see what happened and are NOW, 2.5 months LATER telling us it appears we have to wait 7 years post foreclosure? No, that is not the law! These people are incredibly disorganized, poor communicators, if not outright fraudsters. We have lost months of finding a lower rate loan due to their continued promises that all was well. Now they have simply shut down communicating. We want this closed at the original rate told! Please see attached emails which are a small portion of many.
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TN)

I submitted a request for a modification review on XXXX/XXXX/2015. At the time there was a foreclosure sale date set for XXXX/XXXX/2015. I was told that I was in review and they were waiting on a retirement benefit award letter. I was able to provide this to them on XXXX/XXXX/2015. My attorney 's office contact the foreclosure attorney and they advised them that they were going to postpone the sale simply because there was complication with the publication of the sale because of a tax lean, so they reset the sale to XXXX/XXXX/2015. My authorized third party was advised that I was in review and no documents were being requested as on XXXX/XXXX/2015. My attorney 's office contacted the foreclosure attorneys office again on XXXX/XXXX/2015 and they were notified that Ocwen advised them on XXXX to proceed with the sale. No written notification that I was not in review anymore was ever sent out and no reason for denial was ever stated other than impending sale date, when the review started XXXX/XXXX/2015. Please help!
Consumer complaint received 2016-12-28
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Check Security Associates, LLC (CA)

Warner Asset Location Services at XXXX NY XXXX is calling my place of employment over and over re a debt they say I owe XXXX XXXX. I verbally informed the rep to not contact me at work and she rudely and forcefully insisted she could and proceeded to call 2 more times getting me in trouble. I then faxed a cease and desist letter also and they still called again.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (FL)

After getting information at work about fed employee forgiveness plan I sent the required form. After many calls to find status I was told I qualified. I continued to go online at fed loan but account not set up yet. Received letter stating do not send payments to previous lender XXXX as loan was transferred. More attempts to get info from fed loan but account not set up yet. Mean time fed loan sends bill for XXXX dollars. Sent the payment expecting adjustments with next bill. Next statement said I owe XXXX dollars. Called fed loan and was told that was my monthly payment. I had been paying a manageable XXXX dollars a month to XXXX and this was unreasonable. Fed loan said I was paying too little? I was told that if made all of my payments on time All previous payments would count towards my XXXX payments. After phone calls I was told I had to consolidate first. I never signed a contract stating the terms of this loan and want to go to my original loan with XXXX. Is there something I should do?
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (GA)

The company has engaged a collections agency to recover the debt but has consistently refused to provide evidence verifying that the debt is mine. Despite multiple attempts to resolve this issue through both phone and email communication, I have received no response. If the company is unable to furnish proof of the debt 's validity, I request that the debt be removed from my consumer report. Their ongoing refusal to provide information regarding the status of the debt is unacceptable.
Consumer complaint received 2017-03-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I financed a car at XXXX in XXXX ohio on XX/XX/2017 through huntington bank. I asked and was told there is no loan fee. Nothing on ny paperwork shows a loan fee. XXXX was added on line XXXX and then subtracted on line XXXX. On XX/XX/2017 i went to refinance through XXXX XXXX and thats when i found out about a XXXX loan fee. I have tried to work this out through huntington and was told i will get back the XXXX and now they refuse to do so.
Consumer complaint received 2016-10-14
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (NV)

I tried to close my Paypal account. PAYPAL said no that they want me to verify my bank accounts and credit accounts first and several other personal pieces of information. I owe this company no money and therefore I should be able to close my account when I WANT TO.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I ' have sent several disputes to this company asking them for validation of debt with a contract/signature that belongs to me. I've also informed them of the several inaccuracies on my credit reports with proof of the inaccuracies and they refuse to do anything about it. 
I also obtained their licensing information from their website and after doing some research I see that they are not licensed in Texas for debt collection. I plan to take legal action as they have refused to remove this inaccurate information from my credit reports. They only respond with " verified '' but i am not asking for verification, i'm asking what method they used to verify the accounts and validation that the debt is owed. 

If you look at the documents i've submitted there are several violations '' Violation # 1. The Date of Last Activity shows XX/XX/XXXX with Experian and XX/XX/XXXX with XXXX Violation # XXXX. Dispute Status : Experian shows " Account not Disputed '' but XXXX shows " Account Disputed '' Violation # XXXX. I found the document that shows the 15 states XXXX XXXX is licensed and registered and Texas is not one of the 15 states. Please see attached document. ( I will be seeking legal action for that as well )
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MD)

On XXXX XXXX, XXXX I received a letter from SLS Mortgage Company, Specialized Loan Servicing LLC, stating that my account was transfered to them from XXXX XXXX XXXX, at that time I was a month behind and my monthly payments was {$680.00}, a few days later I received another letter from SLS Mortgage stating I was two months behind, which I made several attempts to contact them to dispute the amount owed, which was only one month. My wife made a double payment to catch up. On XX/XX/XXXX we received another statement which was for {$2700.00} the double payment was not applied to the account again. In XXXX of XXXX I received another letter stating my monthly payments were going from {$680.00} to XXXX I called SLS and no one would give me any answers, the woman told me in her system my payments were {$680.00} and to continue to pay that amount. The next statement I received was for {$3100.00} dated XXXX XXXX, the other payments were no applied again. My wife made a payment of {$1400.00} via money order, which has not been applied.I had also filed for a loan modification in XXXX, I filled out the modification papers five times because SLS claimed they did n't receive it and it was XXXX it to them each time. On saturday XXXX XXXX, XXXX I received the modification letters and SLS wanted me to pay them {$1000.00} a month, that not a loan modification, that is almost double of what my monthly mortgage is, considering I lost my job. I went through all my paper work I received from SLS Mortgage and found a letter dated XXXX XXXX, XXXX stating I owed XXXX XXXX from XXXX {$990.00}. advances of {$1200.00} and outstanding fees of {$29.00}, this was from XXXX and was included in my bankruptcy. This company is trying to collect on an Bankruptcy account that 's not even theirs.This company has really stressed me with the harassing letters of foreclosure threats, and wo n't post my payments correctly.
Consumer complaint received 2015-10-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (KY)

My wife and I filed and received a chapter XXXX bankruptcy in XXXX XXXX. We continued to pay Specialized Loan Servicing outside of the bankruptcy, however they refused to send monthly statements and they removed my ability to see my account on-line. In XXXX XXXX, we apparently failed to make the monthly payment, a complete oversight on our behalf. SLS then began showing that we were 30 days late, we were completely unaware, and they continued this until the discharge of the bankruptcy. They also, during this entire time, reported to the credit bureaus that we were paying on time, again making us believe everything was OK. Then suddenly when the discharge took place in XXXX XXXX, they updated all the credit bureaus to reflect that we had been 30 days late every month XXXX 48 months XXXX. We should have been shown 30 days late XXXX time in XXXX of XXXX ... XXXX time, but instead they decided to punish us and show us late for four years. In my opinion this was a willful act to blemish our credit and reputation. When we were notified of the oversight ( missing payment ) we made it good, along with fees, but this was not good enough for SLS. To me it is an unfair practice to not supply a statement to a customer and not allow them access to their account, but then you want to smear their credit when you do not receive a payment.
Consumer complaint received 2015-08-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Torriere Holdings INC (MN)

Spire Recovery has contacted me about a credit card from 2007 or so that i apparently still owe. I have not used that card in many years and it has been taken care of. After researching this company, I am not alone. I was very calm on the phone to ask them to send me formal documentation via mail and they have not. They claim that they did and that I 'm avoiding payment. The number is XXXX and XXXX based out of New York. They are threatening to diminish my credit. I refuse to pay over the phone for a claim that has not been formally given to me. They asked if I had a lawyer.
Consumer complaint received 2016-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Robinson, Reagan and Young PLLC (TN)

This began as an eviction from a previous apartment complex due to my XXXX military registered service dogs being American Staffordshires ( pit bulls ). They claimed they were not aware that they were pits when I moved in despite my presenting copies of thier service registry. There was a neighboring dog which had a chow ( also an 'aggressive ' breed banned by the complex which had initiated an altercation with XXXX on my dogs. I received notifications from Robbinson Reagan and young of XXXX to vacate my apartment which I did after the end of the month and two weeks which covered the deposit I knew I would never receive back and the impossiblity of vacating in the allotted time. I never received any further contact from Robbinson Reagan and young until I received an email from my payroll department at work that they were going to garnish my wages for the following paycheck. I was informed by the civil court that because I had not gone to court to object my only recourse was to submit a slow pay motion and make regular payments. At this time I began to see several secondary collections on my credit report from Robbinson Reagan and young for debts from previous creditors. It seems like they are going through my history and soliciting debts for collections which they are now persueing me for. And now in the last few days I have been recieving calls from another agency called XXXX XXXX that refused to give me any information without verifying several addresses. The person I spoke to was vague at first when I stated that I had received calls from the phone number and then became rude about any indication of what the issue was. I told her to mail me any corespondence and not to call me again.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a 30 day late payment reported on my Transunion credit report from a company called XXXX ( account number : XXXX ) from XX/XX/2015. I personally called XXXX and they acknowledged the mistake but said that they could n't get the credit bureaus to remove them and that I needed to contact the credit bureaus and start an investigation. I did just that. Transunion sent me a letter stating that the 30 day late payment has been verified. How is this possible when XXXX knows it was a mistake? To me this was a lazy investigation.