davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

XXXX   XXXX ,  XXXX  Specialized Loan Servicing LLC  XXXX .  XXXX   XXXX   XXXX , CO  XXXX  Dear  Sir/Madam, You  continue to send me information re : research but have not updated my account to reflect the information provided to you by  XXXX  who sold you the loan.  XXXX  sold my loan to SLS and I am paid until  XXXX   XXXX . SLS does not acknowledge this and continues to mark my account past due.  XXXX  has provided the information  3x pe r my request and still no change in my account status or SLS acknowledgement in violation of RESPA.  ( 12 U.S.C. Section 2605 ) An SLS representative called the w eek of  XXXX  and informed me that SLS is aware that I am paid until  XXXX . I requested this in writing but as of  XXXX  have not received this acknowledgement and there is no change to my account status. Am I to assume you will not honor the account status relayed to me by phone on  SLS  continues to send information to the wrong address ( see attached notices ). My correct address, which I have sent to SLS via official  XXXX  notification and which  XXXX   ha corr ectly noted, is :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , GA  XXXX  Contact dates and times. All calls are recorded :  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    ID #  XXXX  Received RESPA notice on  XXXX  which SLS has already violated  XXXX   XXXX  ID #  XXXX  No name ID #  XXXX   XXXX   Executive Ser vices says they do not have information that I am paid until  XXXX   XXXX  Was told my rep that there wer e hundred of loans sold to SLS that SLS has not processed correctly and for whi ch they have no information.    XXXX   XXXX  no ID # Requested welcome letter and payment notice and received information on an Automatic Payment Program  XXXX  Requested  XXXX  send another payment history to SLS  XXXX  The most thorough call where details of the account were discussed  XXXX ,  XXXX  automated calls with no change in status Received a notice that research is being performed on the account. Research for 2 months when the information was provided by myself,  XXXX , and I was told research was being conducted on  XXXX / XXXX / XXXX ?    XXXX  A notice that {$570.00} is due to bring my account current, but my account is paid until  XXXX   XXXX  per the information provided to SLS by  XXXX .   The statement received shows a past due amount of $ {$420.00}, but I am paid until  XXXX   XXXX .     SLS is sending notices that they are researching while sending statements that my account is past due, when I am paid until  XXXX   XXXX .      XXXX   XXXX   XXXX  Account #  XXXX  Consumer financial Protection Bureau #  XXXX
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I 've just reviewed my Credit History Report and have seen only 2- Late Payments, I ca n't seem to understand, how my Credit score can be this low, when all of my other Credit Bills and Payments are always on time, also, by the way the XXXX has to be a mistake they probably posted my payment late, the legitimate late payments have only been with XXXX back in XX/XX/XXXX-XX/XX/XXXX and that 's it, I know my scores last year was in the XXXX, how could they go down now?
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

Credit institutions reporting incorrect and inaccurate balance information regarding an auto loan listed as mortgage from XXXX XXXX XXXX as {$13000.00} whereas it is {$1500.00}. This was settled by XXXX/XXXX/2016 as shown by attached documents furnished to me by XXXX themselves. I have equally asked XXXX and all the XXXX credit reporting institutions to correct the record in vain resulting into me having to return a leased car as dealer failed to secure a financier due to the inaccurate reporting. Likewise I can not secure funding of any amount.
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  XXXX   XXXX .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.      XXXX   XXXX   XXXX  are reporting the account as a collection account not a  Student Loan Education Ac count, and they are not showing as current. I have been making automated payments since    XXXX   XXXX   XXXX    faithfully in the amount of {$200.00}, but in  XX/XX/XXXX  amount went up to {$200.00}. On my credit report the payment history still shows as "  Past Due  '' with no payment listed as " OK '' it has a " C '' which represents Collection.     The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with  XXXX   XXXX  and their answers are : " Sorry, We ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to  XXXX   XXXX  for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit bureaus.
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I had a n 80/20 loan with Ocwen. I ne ed to hurry and sell my house because of losing my job and relocating to another city with my fami ly. Ocwen offered me 2 o ptions ... short sale and turn my house back over to them. I picked short sale and filled out the paperwork with them on  XXXX / XXXX /  XXXX  . I hired a realtor on  XXXX / XXXX /  XXXX  . I received a cash offer 2 days after hiring my realtor. I have the entire signed contract from our buyer to prov e it. Ocwen refused  to release my file. We lost that sale. They made us put the house up on their auction page. We did exactly what we were told to do b y Ocwen and we received another cash over on my house for the same amount. Ocwen still refused to release my file for the sale. We lost that sale also. In the meantime, Ocwen  sold my  2nd  mortgage off to  XXXX   XXXX  during all of our selling processes. My realtor got a  3rd  cash offer on the house with the new amount which only covered the first mortgage and Ocwen still would not release my file for the sell and we lost that buyer also. Our firs t 2 c ash offers were for {$100000.00} and the  3rd cas h offer was for {$85000.00}. In the end,  Ocwen fo reclosed on my house, sold it for {$74000.00} and wrecked my credit. We did everything we were told to do  by Ocwen.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (CA)

I am reaching out to request the removal of a particular negative account from my credit report. Upon a thorough review of my credit report, I have identified an account that is having a significant adverse effect on my creditworthiness and financial stability.
Consumer complaint received 2017-04-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (LA)

AAFES charged off  XXXX  accounts in  XXXX , in  XXXX  they ( legally? ) started collection actions on the debts. A payment plan was agreed upon and it has been paid each month since.     " The main issue is that they are charging 19 % interest on this charged off debt collection. '' Also, my credit reports show only that the debt was charged off in  XXXX  so they are in essence double dipping on this debt and I am not getting any credit for paying it on time and in ful l. THISSHOULD BE  ILLEGAL!     Hopefully at some point  AAFES  tactics and lawlessness is brought to justice.
Consumer complaint received 2017-04-30
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: EQUIFAX, INC. (MI)

On  XXXX   XXXX ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX  there was an individual inquiry on my credit report for a car loan that I did not authorize or approve of.
Consumer complaint received 2022-08-16
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. (MA)

I am a natural person, I am a living human being, I have rights under 15 usc 1681.

Trans union is govern by 15 usc 1681. And they violated my rights numerous of times I demand the accounts listed below be removed because According to 15 usc 1681 : I have the right to privacy and I did not give transunion written permission to furnish these accounts. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-30
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. (MO)

XXXX   These are not my accounts and I would like to remove them all thank you.     XXXX     XXXX     XXXX    XXXX   XXXX   XXXX   XXXX    XXXX    XXXX    XXXX    XXXX  #  XXXX    XXXX   XXXX   XXXX   #  XXXX    XXXX   XXXX   XXXX   #  XXXX
Consumer complaint received 2017-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IA)

On  XXXX / XXXX /  XXXX   I deposited 3 checks totaling {$1700.00} into my Chase checking account. The checks were initially put on hold for 2 days  ( 2 checks from other financial institutions )  and 9 days ( a personal check ). Subsequent to those delays my account was frozen and I was not allowed access to any of the money in my account including those checks. I called Chase on the  XXXX  and the  XXXX  of the month trying to understand the issue. On the  XXXX  I was informed that there was nothing that they could do and that my account would be closed and I would receive a check for the balance. After my call on the  XXXX  I contacted and confirmed with the three issuers of the checks that all  3  checks had been cashed and the money had been withdrawn from the accounts.     On the  XXXX  I received a check for the balance in my account less the {$1700.00} and on the  XXXX  I called Chase a  XXXX  time. I was informed again that there was nothing they could do and the balance on my account had been zeroed. During the call I suggested to the Chase rep that the money had been lost by them and he said " that is correct. '' He then retracted that statement when I challenged him on it. At this point I do not know how to proceed.
Consumer complaint received 2017-04-30
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. (FL)

I have asked the companies to remove these unauthorized inquires and they say it is the credit reporting agencies responsibility. They are unauthorized inquiries.   They are listed below :   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   All Banks   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   All Banks   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  All Banks   XXXX      XXXX   XXXX   XXXX       XXXX   XXXX      XXXX   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX       XXXX   XXXX     Miscellaneous Reptg.   Agencies  XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   Auto Financing  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX    Miscellaneous Reptg. Agencies  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    Miscellaneous Reptg.     Agencies  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX     Miscellaneous Reptg . Agencies  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Utilities   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Automobile Dealers, New  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Mail Order Firms  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Mail Order Firms   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, Old  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX  Complete Dept. Stores   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Automobile Dealers, New   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Credit Unions   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Personal Loans Cos.      XXXX   XXXX   XXXX       XXXX   XXXX   XXXX      XXXX   XXXX     Auto Financing   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Personal Loans Cos.    XXXX   XXXX  FLA    XXXX   XXXX   XXXX    XXXX   XXXX  Telephone Companies WF  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 2015-06-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (WI)

recently my check was garnished and I was not informed of debt. I contacted the place garnishing my wages along with the " law firm '' neither will provide me with information or verification of the debt. I am currently food stamp eligible, informed them of this fact and they still will not stop the garnishments. They stated that I was served papers XX/XX/XXXX, but I never received any papers and have not signed for any papers. This is debt that was acquired in 2002.
Consumer complaint received 2016-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (GA)

I was contacted through IC System regarding a debt that was owed to XXXX XXXX XXXX.Because I disputed the validity of the debt additional documents including a contract and proof they were authorized to collect was sent on XXXX XXXX, 2016. See Attached. The documents sent do not support IC systems being licensed to do business within the state of Georgia.
Consumer complaint received 2015-04-30
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

Wrong amount is n't accurate, but closest choice above. They have refreshed an old debt that I stopped paying on XXXX. They have refreshed it to XXXX. I have disputed with all XXXX credit reporting agencies and re-disputed with XXXX and XXXX. They keep saying the debt collector confirms the last date of activity. XXXX also told me they do not require proof from debt collector.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is a formal complaint for a reinvestigation of the following late payment on the Account ( -XXXX XXXX is reporting inaccurate information.On XX/XX/year> a payment was made and you have it marked as late / No payment.On XX/XX/year> and XX/XX/year> the final additional payment was made before closing that was also not reported.please reinvestigate and verify all data.I also request for proof to be provided. Because im trying to purchase a home and the late inaccurate delinquency is Only being displayed on my experian when cross checked on three bureas ..I determine that if unable to do so or lacking proof being late please update my payment history to PAANL Status ( paid as agreed never late ) and supply a corrected credit file to any creditors that obtained my file in the last 6 months. I've been a loyal customer and your inaccuracy is hurting my credit
Consumer complaint received 2017-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

On  XXXX   XXXX ,  XXXX , my mortgage was modified b y Ocwen Loan Servicing, LLC. Since then, I have  been paying {$2600.00} of which {$1800.00} was for principal and interest and {$760.00} was towards my escrow account. This is the amount that was reflected on my monthly mortgage billing statements. It has always been my understanding that ou r HAMP m odification included both taxes and insurance.     However, on  XXXX   XXXX ,  XXXX ,  Ocwen noti fied me that my payment was increasing from {$2600.00} to {$4700.00} beginning  XXXX   XXXX ,  XXXX . This payment shock is causing me extreme hardship.     I believe that  Ocwen gr ossly mishandled my modification and escrow account. For   two and half years they did not properly escrow my loan, which created severe deficiency on my loan. I have made several attempts to reach a solution for a such a large deficit in the escrow account.
Most recently, Ocwen informed me that they will only accept a full reinstatement and will not be accepting monthly payments any longer from me. I feel Ocwen   's negligence and unfair business practice is driving me into foreclosure and to displace my family.
Consumer complaint received 2017-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meade & Associates, Inc. (OH)

My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your COLLECTIONS COMPANY issued the report that was used to determine my credit evaluation.   Secti on 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.    In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached c opy. The reasons why these items should be deleted are indicated below : MEADE & ASSOIATES #   XXXX
Consumer complaint received 2016-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (GA)

On Friday, XXXX XXXX I called the CFPB with questions about Flagstar Bank 's Consent Order and was given telephone number for a settlement refund line and Flagstar Bank. I called the Payment Administrator at XXXX and spoke with XXXX. I stated no, I did not get a postcard but I was sure I should be on the list. I then called Flagstar Bank at XXXX and spoke with XXXX. He asked for my old account number which I did not ave readily available so he used my social security number. XXXX told me that I was not on the list because I was never in the Loan Modification process. I told XXXX in XXXX XXXX, I started inquiring about a loan modification due the difficulty I was having in making my payments. Starting XXXX XXXX, XXXX, through XXXX XXXX, XXXX, I received and sent loan modification package information to Flagstar Bank. On XXXX XXXX, I called XXXX XXXX to get a status on my application and XXXX told me my application was denied. The application was denied because I was deficit {$320.00} Basically, XXXX explained I could not afford the mortgage. Early XXXX XXXX, I received a certified letter from a law firm stating my loan was in default and I could lose my home. I contacted a law firm that supposedly stopped the court proceedings and offered loan modification services.This law firm, XXXX was quite costly at approximately {$8500.00} and proved to be not so trust worthy. Then on XXXX XXXX, XXXX, XXXX XXXX called from Flagstar and conducted a XXXX, borrowers financial interview along with receiving letter dated XXXX and XXXX/XXXX/XXXX acknowledging receipt of loan modification packages starting a new application. On XXXX XXXX, XXXX, Flagstar announced my mortgage had been sold to XXXX XXXX effective XXXX XXXX, XXXX. So XXXX look further into his system abd he found where yes, XXXX had applied for loan modifcation, etc. XXXX gave me case to reference and stated he would escalate. I wonder how many other consumer may be overlooked like me?
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One continues to pursue garnishment on my pay for an account that I believe is outside of the statute of limitations. I recently received notice on XXXX/XXXX/15 service sate of XXXX/XXXX/15 giving me about 9 days to submit. I feel as though they are illegally attempting to collect am outdated debt.
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

This is regarding the mortgage account mess created by Wells Fargo.. 
The co-mingling funds from my mortgage account to pay a balance of {$150.00} for an escrow amount for a lapse in property insurance coverage, in spite of the fact that my mortgage account is not an escrow/impound account. I was told by a customer service representative that apparently there is 1 month 's mortgage sitting in a " suspense account '' somewhere as they claim I skipped 1 month 's payment, which I 've no idea what are they doing with my funds and completely ruined my mortgage account balance. There are all sorts of discrepancies on my mortgage account that I have lost count on what to fix first. 
Now, I 'm being asked to pay {$150.00} amount AGAIN to bring my account current as that amount it shows in my account history has already been deducted from my mortgage account earlier. This is utter confusion and frustration dealing with Wells Fargo Mortgage. 
Why am I being asked to pay that amount again? Why is my mortgage payment in Suspense account? Why is my full mortgage payment being broken up? Where is my mortgage payment ending up? I 've more questions than answers from Wells Fargo. 
This bank has done shady and unscrupulous things to my account. 
See attached screenshots..