davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Berndt & Associates, P.C. (MI)

In XX/XX/XXXX .I try to pay this company..I start making payment through XX/XX/XXXX ..The collector say don't worry about the last payment of XXXX..But I was blinded sided by this my account was sold to XXXX XXXX.I try to resolve this account with .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I went to day XXXX a clock to resolve this .But they had no Empathy act all..I told them I had a XXXX XXXX when I lost my job .and act that time I  was In a serious accident that made me no longer a XXXX.I feel nobody will understand until there in shoes.ADA .The little money I save they took. How can a judge let a collector take from XX/XX/XXXX..I didn't like what she said file bankruptcy..Im trying to get back on track and bill a strong credit.not damage and make it hard for me to rent.I pay my on rent and no help from Hud..i asking this company to let me go or make a settlement .like I told the lawyer in court I don't owe this money ... I. wish they would find different judges..Because I think they all friends because they never listen always take the lawyer side. I thought judges are supposed, to say this is a hardship case Dismiss this case.under the law.. Please I hope you can have mercy and help .with no charge .I just want to free from this Loan sharks. Thank you for your corporation in this matter XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (FL)

XX/XX/XXXX To whom it may concern Our hardship began back on XX/XX/XXXX when my husband, XXXX XXXX lost his employment with XXXX XXXX XXXX. At this time we reached out to XXXX, XXXX XXXX XXXX, the mortgage holder, to inform them of the loss of employment and to seek out assistance and help. We were directed to there Loss Mitigation Department but they did not help us and the loan went into foreclosure. 
At this time, on or about XX/XX/XXXX we contacted our Community Legal Services for assistance, help, advice and guidance on resolving our legal situation. They assisted us with providing an answer to the Courts and arranging a mediation which took place on XX/XX/XXXX. A settlement was agreed upon but was never enforced. During this process we notified all parties that my husband, XXXX XXXX, became employed at XXXX XXXX on XX/XX/XXXX. 
In XX/XX/XXXX XXXX XXXX XXXX became the owner of the loan and again we applied and submitted documents for a loan modification. We received a preapproval for a modification in XX/XX/XXXX of XX/XX/XXXX in the amounts of {$2600.00} as an initial payment followed by a monthly payment of {$1400.00} which was to start on XX/XX/XXXX. We did not sign this preapproval and requested a reevaluation because we were not able to make this payment. The loan went into foreclosure again in XX/XX/XXXX and we hired XXXX XXXX XXXX XXXX to represent us. We were able to get the loan out of foreclosure and attempted many times to obtain a modification but still nothing happened. During this time the loan was sold again and went to Selene Finance and the process began again until legal representation ended on XX/XX/XXXX. 
During this time we applied to the different government programs available : XX/XX/XXXX- Hope for Homeowners XX/XX/XXXX-Florida Hardest Hits But we were not able to obtain assistance from anyone. 
We are now faced with the selling of our home which is scheduled for XX/XX/XXXX. This is why we are reaching out to you for help. We would like to see if you will be able to look into our case because after doing some research we believe that we may be a victim of predatory lending.
Consumer complaint received 2018-06-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (MI)

I have been trying to get help with a modification since XX/XX/XXXX I was a month behind and after i started asking for a modification help it got 3 months behind so they will not take payments Now I am 8 months behind and can not afford to catch up so they put a Sale date on my home of XX/XX/XXXX and say it is a FHA loan and will not be able to help me till XX/XX/XXXX and that will be to late the reason I got in trouble i was off sick for almost 2 months but I have showed them ever since I do make the money and need to keep my family home of 20 years they told me to sell it and that will not work the house is not even worth 1/2 what is owed on the house PLEASE HELP ME KEEP MY HOME ... XXXX
Consumer complaint received 2018-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

A credit report showing I owed them XXXX. I have no knowledge of this account and had it removed from my report 2 times. This is the 5th time since it has been reported. I have no knowledge or responsibility for this account. The service date is XX/XX/2011. I have the account number upon request the company name is commonwealth financial sytems.
Consumer complaint received 2018-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/XXXX, I deposited a check for {$5000.00} into my personal checking account. It was nearly double the amount I had in that specific account. Rather than holding this and or checking to see if the check was legitimate, Fifth Third Bank made those funds available almost immediately. The next day, I was able to spend the full amount of need be. In order to fulfill my job obligations, I had to transfer almost the entire check amount into a work associates account. I didnt realize until after this transfer was made that this work associate May not trustworthy. I immediately drove back to the bank ( within two hours of initiating the transfer ) to cancel the transfer. Fifth Third said they would do everything they could to cancel it, but said it may not be possible. I personally dont feel they tried their hardest to stop this also. After notifying them of possible fraud, they looked up the check I deposited for {$5000.00}, and within minutes, they were able to tell the check was a fraud. I feel as though they were negligent, lazy, and if they had a better process for depositing checks, this fraud would have never happened. 

This same day, the XXXX, I called Fifth Third headquarters and notified them of the situation. A representative I spoke to at approximately XXXX notified me that the issue was not my fault and that the branch shouldve held the check before depositing the funds into my account. Now, Fifth Third is saying the problem is my fault. Theyve already penalized me for this and have taken {$5000.00} out of my account because the check bounced. 

Fifth Thirds policy for depositing checks negligent, and customers should not be penalized for other peoples lack of funds. The checks should be verified as legitimate first before depositing them into any account.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I lifted a freeze on my EXPERIAN report. I was denied credit because experian said I am deceased. 
I CAN'T get anywhere with them. They won't talk to me and just want more money to answer questions. Which they never answer. They list my credit score at XXXX. It's over 750.. 
By the way I AM NOT DEAD YET.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

hi, I have had 8 inquiries in the past 2 days from banks that I did not authorize to pull my reports many are double inquiries 2 days apart. This is crazy and I want this resolved please. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXXY XXXX, XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX    XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation (FL)

Today I received a collection notice in the mail from Global Credit & Collection Corp. The envelope and postage appeared to be junk with " Presorted '' in the stamp square. The letter is claiming that they have taken over " my debt '' from XXXX XXXX and that i owe {$1600.00} to a XXXX XXXX account giving no dates. No idea who XXXX XXXX is either. I have beautiful credit, no unpiad old accounts, nothing at all deliquent, past due or have I ever been late paying. I check my credit through XXXX XXXXXXXX XXXX, my bank and credit cards multiple times a week. Its alarming since I do have a XXXX XXXX card, but the info on the letter is not my account info at all, and my balance is much much less, so I have no idea what this debit is. The letter threatens that must I contact them within 30 days or they will assume the debit is valid. I have researched this company to find multiple complaints on a slew of sites including Consumer Affairs, all about scamming. One person said this company put hard inquiries on the their credit report with false amounts owed- they did get it removed, but how are they able to do that?! Also every person spoke of repeat harrassing phone calls, rude language, vauge information, and the representatives hanging up on them. Also, one of the complaints claimed to have spoken to an attorney who verified that this company in a scam and not a real collection agency. I found that they are not XXXX   accredited, appear to be from XXXX and are using XXXX addresses. I am hesitant to call them because i do not want more phone calls, I get enough solicitors that I do not answer even though I am on the do not call list. They are crazy if they think i will give them any of my information. I also do not want my credit compromised due to this fraud so i will keep monitoring and hopefully I wont have to dispute this. I have worked very hard to be in good standing, and for someone to mess with it to scam me is just not right. Be careful, do not fall for this!
Consumer complaint received 2018-06-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Obtained a VA mortgage with Wells Fargo on/about XX/XX/2016. 
Terms of agreement as explained to me, was a bi-weekly partial payment ( approximately 50 % of monthly mortgage ) every other week, satisfying the minimum monthly mortgage amount. 

Advantage of terms of agreement as described by Wells Fargo : each partial payment made bi-weekly would be applied toward the principle balance, making it possible to pay down the principle of the loan much faster than if I had made a single monthly payment every 30 days. 

Discovered after perusing through monthly mortgage statements that bi-weekly mortgage payments were not being applied to the principle amounts. Instead, biweekly payments were being held by Wells Fargo until the full amount of the minimum monthly mortgage payment was received by Wells Fargo.
Consumer complaint received 2018-06-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

Where to start.. 
XXXX XXXX XXXX, They told my insurance company during our loan process ( before conditional approval ) they were the lien holder, now I have an insurance check for XXXX with there name ( shellpoint ) I can't cash. Further more they have miss calculations on multiple occasions for DTI ratio and Escrow, and decided to only use my XXXXst quarter profit and loss, not my two year average. Also they have given false information about my XXXX loan multiple times. Management won't contact me back!
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have submitted documentation to the three credit bureaus to correct the information that is reported to my credit file. The information state there is a high balance on this particular account when this account was paid in full ; After three separate attempts this account was eventually updated and deleted from the to credit bureaus XXXX  and XXXX. Unfortunately this account is continuously reported to Experian showing a high balance which in the account was paid in full. I request that this account to be verified of this amount or deleted immediately. And if this account is indeed verfied of this amount I request the original signed contract of this documentation with my original signature stating that I owe the additional amount. If There's no additional amount owed I request that this information to be deleted from my credit report immediately corresponding with the deletions that XXXX  and XXXX made.
Consumer complaint received 2018-06-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Security Credit Services, LLC (IL)

A soft credit report was done by XXXX XXXX Credit Cards on XX/XX/2018. I have never done business with this company. 

On XX/XX/2018 a voicemail was left on my phone from XXXX XXXX XXXX. 

Before and after XX/XX/2018, my parent 's phone was contacted once a day for months. I have phone records. I contacted XXXX XXXX XXXX and asked them to verify whatever the debt was. In that letter, I also gave my address and contact details. I asked them to only contact me by mail and stop any phone calls or robocalls. They did not! They had my contact details and continued to contact my parent 's phone after I gave them my contact. Their phone number is not on the XXXX  soft credit pull they did I notified XXXX XXXX Services, I am going by their soft credit pull as I wouldn't have known about it if I didn't have credit monitoring, ( before 30 days and I have Certified Mail receipts - they received my letter on XX/XX/2018 ) that I disputed the debt and after asking XXXX XXXX XXXX to validate a debt they did not respond in 30 days. I eventually found the original letter from XXXX luckily I disputed within 30 days and have my rights per FDCPA. XXXX did continue to collect without contacting me. I then sent them a letter to cease and desist. They continued to call my parents number, XXXX, after they had my contact info - this is harassment - and they still continue to call my phone!!!! XXXX is working with another company, Security Credit Services. Security never contacted me after I asked XXXX to validate within 30 days. Neither company validated or contacted me per FDCPA. Security Credit Services has put derogatory marks on all three of my credit reports even after and XXXX failed to validate. After Security hit all of my credit reports I asked them to validate. I got no response. This is reporting illegally. 

I did dispute the debt with XXXX before 30 days. I misplaced the first contact letter they sent me. I still validated in the time prescribed per FDCPA and received no answer. I will include that letter and I will also include the letters I sent XXXX XXXX XXXX and Security Credit Services. 

I have also sent this to the Illinois Attorney General 's Office, XXXX XXXX.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have told this company before that I have no inquiries made since XXXX last year and this was when I purchased my home. I should have XXXX inquiries currently other than XXXX one time. I also show that there is an account that I am not even the account holder on that shows negative. I have told them before that it is not mine and they still leave this account on my report.
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

On XX/XX/XXXX, XXXX and XXXX XXXX filed for a modification to Ocwen Loan Servicing, LLC for my husband and me. On XX/XX/XXXX, a letter was sent from Ocwen to us that the application was complete as of XX/XX/XXXX. However, on XX/XX/XXXX, a decision letter was sent out to us and this came as a surprise to us because it was a denial letter for the modification. The result was astounding. It explained that our home is worth too much money. One would infer that if our home costs much more than what we owe the bank, then that would be a good reason for us to get the modification for the property. However, this was not the result. Therefore, it stunned the people of the company who were assisting us and we were also astonished. The reason is that, XXXX and XXXX XXXX told us that they have been doing modification since XXXX and they have never heard a reason like that before and the same applied to us. Thus, XXXX and XXXX XXXX told us that they appealed that decision. 

As seniors, with a meager total combined income from Social Security 0f {$1100.00} plus {$600.00} from one of our daughters who are helping us, how does Ocwen think it is possible for us to pay {$1500.00} each month for mortgage payment and to survive? 

Please see what you can do to help us and thank you for your Kind consideration.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

These inquiries were obtained without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Worldwide Processing Group, LLC (SC)

On XX/XX/18 - XXXX XXXX XXXX ( XXXX ) contacted members of my family whom I do not even speak to, nor have seen in years. They called an aunt and called my mother and proceeded to tell them that I owed a huge debt and that they must make contact with me, told them what kind of debt ( store credit card ) and that I was facing jail time due to it. I do not have contact with these people due to family reasons. Now, this company has violated my privacy by discussing my personal debt. It is creating more problems in my life by sharing information that is personal and private. In no way, should this practice be legal and I feel violated. I contacted this company and this is over a 3 year old store credit card for maybe {$300.00}, they would not give me an exact amount but this was the credit limit on card. He told me I had to pay $ XXXX {$570.00} in order for no more calls to be made by people they found " skip tracing ''.
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

I contacted equifax to put an alert on my credit about 4 weeks ago which is good for 90 days. I logged into XXXX and found my address was updated to an address I have never lived at in state I have never resided in. I would like to know what I can do to get the XXXX or XXXX fradulant accounts removed from my credit and what to do about finding the person who did this. I do have their address.
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (NJ)

There are 2 collection accounts for Mariners on my credit report these items have been paid in full and did not go.into collections. The balance even shows " XXXX '' I have disputed these items several times with w/XXXX and they have declined to have them removed. They should confirm thisningotmation with Mariner Finance as they show paid as well and in fact I have a new loan with them for {$3000.00}. 

These negative items need to be removed