davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

Previous filed complaint # XXXX. Company responded to inquiry but when cause of problem was discovered to be different than complaint, company was not required to do anything other than what was submitted on complaint. therefore filing new complaint in attempt to resolve situation. 

My previous mortgage company was XXXX XXXX. I made a scheduled payment to XXXX on XXXX 2014 ( exhibit XXXX ). 

In XXXX of 2014 Nationstar purchased my loan. Nationstar said they did not show a payment being received for XXXX. Nationstar also reported that XXXX ( previous Lender ) had applied a charge of {$390.00}. 
Nationstar supplied requested financial history from XXXX that showed {$500.00} payment being received and did not show a {$390.00} fee. ( Exhibit B ) Nationstar then reported that only a partial payment had been received. ( Exhibit XXXX ) Nationstars requested financial history shows no partial payment, but does show the {$390.00} previous lender charge as well as multiple charges for inspections and late fee. ( Exhibit D ) I have contacted every representative they have sent me contact info for since XXXX of 2014 and have left approx XXXX voice mails for these representatives and have only been contacted XXXX ( XXXX ) time. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
( Exhibit E-H ) Nationstar continues to place flyers on my door imploring them to contact them and threatening foreclosure, but then refuses to return my calls. ( Exhibit I ) I had a contract with XXXX XXXX to pay back taxes from XXXX to XXXX of 2014. This put my payment amount at {$500.00}. I paid this amount in full. ( Exhibit J ) My current payment is now {$240.00}. I have been paying these amounts correctly and timely against the recommendations of Nationstar representatives when I call in to pay. 

I have made every payment I am required to make to both XXXX and Nationstar on time. On XXXX separate occasions Nationstar refused to take my payment because it was not the amount that they said was due. I am and have been paid up to date on all of my contractual obligations and yet Nationstar continues to try to force me to pay inspection fees and late fees as well as an mystery {$390.00} fee that they can not explain. Nationstar is trying to foreclose on my home because it has equity. Their claimed late payments has damaged my credit. 
I am requesting and imploring for some type of assistance against this criminal activity.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

In XX/XX/23 I paid off my car loan with XXXX XXXX, the paperwork I got back from XXXX shows my account paid in full. All three of the major credit bureau show the account closed, which is not accurate. XXXX did not report my account correctly.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

Our home is mortgaged through XXXX XXXX, the servicing agency being Select Portfolio Services XXXX " SPS '' ]. XX/XX/XXXX, the anniversary date, we notified SPS that under the terms of the agreement, we would pay the insurance carrier for hazard insurance on our property directly, and would no longer be paying through SPS. We provided a written notice and the policy declaration to the company. See, Exhibit A, appended. SPS continued to bill us monthly for the escrow payment. XX/XX/XXXX, we resubmitted the same information, again requesting that SPS no longer bill us for escrow for hazard insurance. Although SPS responded in writing [ See, Exhibit B, appended ] and we have had numerous communications with SPS, and promises that the issue would be resolved, SPS has not stopped billing. See, Exhibit C, appended. Because of concern about possible reports by SPS to credit reporting agencies that we are delinquent in mortgage payments, we have continued to pay SPS. SPS, therefore, has taken our money purportedly to pay for insurance, but has never paid the insurance carrier -- we have. At this point, SPS has overbilled us {$1000.00} -- being doublebilling for insurance escrow money SPS never paid the carrier.
Consumer complaint received 2015-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX I wrote to Experian to dispute XXXX ' account, and asked Experian to provide me with a copy of the verifiable proof or to remove the account from my records. 

Experian responded with a form-letter dated XXXX XXXX which simply stated account " remains ''. ( Answer enclosed ) On XXXX XXXX I sent Experian another request for verifiable proof as per Federal law. 

On XXXX XXXX Experian responded with the exact same form-letter responding account " remains '', and again without any proof of debt. ( Answer enclosed ) The Credit Reporting Agency can not report a debt without any proof. They simply obtain a confirmation from the collection agency and to them that 's sufficient. I have contacted the collection agency and they do n't send any proof either, only a computer printout. 
This complaint is to advise that Experian conducted an improper investigation. Experian failed to provide me with a copy of any documentation for example, a consumer contract, an order form, an agreement, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
Furthermore, Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " ... promptly DELETE all information which can not be verified. " Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or CAN NOT BE VERIFIED. ''
Consumer complaint received 2015-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

I placed a fraud alert on my credit report because my social security information was compromised. Experian failed to ask for my telephone number to verify in case a request for credit was made. I discovered this attempted to correct on the Internet however, Experian wanted to charge me for a report. I finally got through to a generic telephone number. I was told my telephone would be on file in 24 hours. A week later, Friday, XXXX XXXX, XXXX XXXX told me that my file had not been updated with my telephone number so my application could not be processed.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MD)

In XXXX XXXX XXXX XXXX began foreclosure proceedings on our home at XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX. We fought the foreclosure but lost and our home was scheduled to be sold at auction. We were contacted by XXXX XXXX XXXX before the sale and given the option to enter into a loan rehabilitation program that would allow us to keep our home and get out of foreclosure. The program was for the year XXXX and at the end of the year our original loan would be modified from XXXX to XXXX but the interest rate would remain at 9.99 %. We successfully completed the program and our loan was transferred to Nationstar. We have been making our mortgage payment on time for the last four years. We recently attempted to get a refinance on our home and were told that we did n't own it. County records showed that our home was actually sold at auction while we were in the rehab program. The deed to the property is not in our name but the mortgage note is. We were told by lawyers that we are essentially renting our home and could legally be evicted at any time and still be held responsible for the mortgage note. We contacted Nationstar to attempt a resolution to this issue and were told the best they could do was put the deed back ion our names after we had finished paying off the note. The lawyers told us the best solution would be to file a complaint with the state and the state referred us to you.
Consumer complaint received 2016-08-18
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (UT)

I applied for a installment loan through spring leaf financial website. I received XXXX phone calls after I completed the application which I was unable to answer as I was at work. I called the next morning, and after an hour on the phone I had to get off and go to work and nothing was resolved it took that long to find my application which had me concerned. I called back on my lunch break and spoke to a representative that stated she would assist me in finishing my application. I went through all the questions, income, finances, assets etc, she then transferred me to XXXX to complete the application. He completed the application and said that he would be emailing me documents and I need to send in my check stub and my XXXX to verify my stated income which I though was odd as I am only applying for XXXX and I already had a previous loan with them on XXXX which I paid off. I explained this to XXXX to which he stated they still need the information and will have an answer once I submit these documents as to if my loan is approved or not. I though this was odd because when I submitted the application at the end on their website it said I was approved for a {$2000.00}. XXXX assured me he was emailing me the documents and to send them in asap. I still have not received the email and I am unable to reach spring leaf
Consumer complaint received 2017-03-30
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (FL)

I understand that there are no laws regarding a banks right to decrease a consumer 's credit limit but today I saw where Barclay reduced my credit limit of {$3500.00} with a balance of {$1900.00} to a credit limit of {$2100.00}. That changes this card 's utilization percentage from 56 % to 91 %. This account has been open a year, I 've never missed a payment with them or any of my other accounts in the last 3 years. My overall utilization score was about 35 % and I have no collections and no public records. This is the second company to cut my limit raising my utilization score and lowering my credit score. It 's not fair that I be penalized for using my cards, paying interest and making payments on time, especially when they did n't even consult me about it! They claimed they used information in my XXXX report, which is only XXXX of XXXX reporting bureaus and has out of date information as payments and charges fluctuate on a daily basis and take time to filter through to the bureaus. Someone needs to protect consumers that pay their debts on time and still get penalized.
Consumer complaint received 2015-11-14
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

I have a XXXX 's credit card. The store ( s ) billed me for XXXX extra water heaters to my home over charging me {$1100.00}. The bank serviced by XXXX Bank told me I had to see the store which I did. It took over a week & more than a few trips to resolve. In the meantime my closing statement of XXXX/XXXX/2015 was showing me OVER limit & requiring a larger payment since the error put me {$94.00} over limit. I called their customer service # & spoke to XXXX who was very uninformed to the credit biz which I have been in OVER 49 years. I told her about the error & wanted to know what my payment should be before XXXX/XXXX/2015 & she insisted it was the {$420.00} which was on the inflated balance of {$1100.00}. I told her that was n't right & she kept stating the payment was based on the average daily balance. If I do n't owe the money how could I have a balance that high? She kept saying the same thing over & over & I was getting no where with this ill informed clerk. I paid the higher payment & got the next billing with a XXXX/XXXX/15 cut off but only crediting me with the returns & not the interest credit. If I owe XXXX & they make a mistake of {$5000.00} the first day of my billing my average daily balance is {$5000.00}, but I owe NOTHING! So they bill me@21.00 % turn around & give me the {$5000.00} credit back on the next statement & NO interest credit so I have been charged 21.00 % for XXXX month or 1.75 % for the month on {$5000.00} or {$87.00} in interest NOT due them. This probably does n't put them in a violation of exceeding credit card limitations on rates in Florida but it might elsewhere. But they sure are stealing a ton of money from the public!
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I am having issues with Chex-systems. I have filed several police reports with the XXXX in reference to an identity theft issue that I have going on. Someone continues to use my identity to open up loans with credit unions that lead to inquiries on my chexsystems. I filed an initial police report and refiled another report after there were accounts opened fraudulently and I just finished amending my police report once again because i have had continued issues with identity theft. Chexsystems in reporting several fraudulent inquiries on my file I have only opened a XXXX checking account and have not authorized for any institution to access my chexsystems file. XXXX should be the only inquiry that i should have reporting on my file an chexsystems is reporting several fraud inquiries on my report. I am attaching a copy of my XXXX police report which has been amended already because of recent fraud. I am requesting for Chexsystems to remove the fraudulent inquiries from my chex systems file the only inquiry that should be reporting in XXXX.
Consumer complaint received 2016-06-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

Back in XXXX 2009, I took out a personal loan with XXXX ( now OneMain Financial ). The term was for 84 months, and while I knew the interest was high ( 29.49 % is insane ), I assumed that the payment schedule that I was given would work to a XXXX balance at the end of the 84 months, at least that was how it was explained to me when I signed the papers. The initial amount was for {$7700.00}, and at the completion of the term, OneMain expects the remaining balance of XXXX, now. XXXX on time payments, with XXXX deferments, of monthly payments of XXXX, I have paid a total of {$16000.00} dollars towards my account, more than double the initial loan. OneMain is predatory and outright extortion. There were several months where as little as {$2.00} or less were applied to the principal. I had no idea that in order to actually pay my loan off I needed to put down triple my monthly payment!
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bakalar & Associates, P. A. (FL)

Bakalar and Associates in XXXX XXXX FL ( XXXX ) XXXX XXXX sent a notice stating an amount owed to my HOA {$1600.00} This amount was for past due amount, collectors fees and interest. I made payment to the original creditor the XXXX HOA for the past due amount and added an additional payment for the upcoming month bring the total of my payment to {$1900.00}. Thirty ( 30 ) days after I made the payment debt collector/XXXX sent a second correspondence indicating that a small portion of the original debt was still outstanding because I did n't make payment directly to debt collection company. Incidentally, the amount in question was for the collector 's fees and interest which was accruing even after the entire amount of the debt had been paid to the original debtor. I attempted to explain by law the interest should have been paid first according to the FL Statue 720.3085 ( c ) ( b ) -- this statue was included in the correspondence -- otherwise I would n't have know that attempting to collect the interest ( again ) was improper. 
I was able to speak with XXXX XXXX regarding the debt and shared by concerns. He was not swayed and is still attempting to collect {$350.00} which is an amount greater than what is owed.
Consumer complaint received 2015-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Mid-Atlantic Consumer Services (NV)

collection agency who does not exist ( fraud ) mACS XXXX his name was XXXX XXXX probably alias. stated was from a collection and have to make a settlement on an acct which does not exist from a cking acct from 2009.
Consumer complaint received 2017-03-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: LJ Ross Associates (MI)

LJ Ross has sent me what is on my credit report. This not validating what I 'm asking. Moreover, I am asking LJ Ross Assoc to validate background information with respect to the described account numbers. Since deleterious errors may be contained with respect to what you reported, I formally request that you send all relevant data within the 30 days.In addition, show that the accounts was established legally. I want more than only a cursory account history. Instead, this is a call for a formal documentary review. 
If this documentation can not be provided during the time delineated here, data forwarded by you to the credit reporting agencies should not be considered truthful and may indicate L J Ross Assoc 's intention to violate applicable federal and/ or state collection laws. In that case, please erase those bureau reported immediately. 
I also ask that no info given is medical description because there are thing that I only want a doctor to know Under the Hippa
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

I sent my mortgage payment in in XXXX 2017 bsi has not cash -ed the check and the mortgage is late.i would like to know why the check has not been cashed
Consumer complaint received 2015-08-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (NC)

I have been out of school for almost a year & a half at this point. I started making my student loan payments about 8 months ago. When I first took out loans via Sallie Mae I was told the re-payments would be low and feasible. So I did it. I took out about XXXX with Sallie Mae. My first statements showed XXXX a month payments. I called and asked how that could be, it was n't feasible as promised & a 10 year payment option is not doable for my situation, I was told 10 years is all they can do and they had no solution for my situation. How can this be? I 'm struggling to make ends meet and climb deeper in debt each month just so I do n't miss a payment via Sallie Mae.
Consumer complaint received 2015-07-01
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (OR)

NCB Management Inc. ran an ACH payment through our bank after specifically being advised to cancel the payment, and that funds were not available. Their representative assured us the payment had been cancelled as of XXXX XXXX, 2015, and they ran it anyways on XXXX XXXX, which caused our account to overdraft, and may result in fees from the bank. 
Our bank has been notified, and we have submitted an official fax reqeust to the company to refund the charge if the bank is unable to stop the unauthorized payment.
Consumer complaint received 2017-03-31
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Global Credit & Collection Corporation (VA)

Last year, I ran into financial difficulty and was unable to continue to pay my credit card payment to XXXX. I was in the process of consolidating my debt, but the consolidation loan was taking an incredibly long time. I called XXXX numerous times and updated them, but failed to put that information into writing. By late XXXX, 2016, the debt consolidation loan settled and a check for {$33000.00} was issued to XXXX. The last account statement I received from XXXX ( see attached ) did not reflect that {$33000.00} payment. I never received another statement from XXXX. XXXX apparently sent my account to their collections group. I have received numerous " settlement offers '' from the collections group, but have been unable to establish how much I really owe XXXX, despite XXXX letters to them earlier this year ( see attached ) requesting that information. I know I owe them something, but I just do n't know how much. I would like to settle this account once and for all. The collections group says I owe {$2000.00} more than I think I owe them and I do not understand how they came up with this amount.
Consumer complaint received 2016-09-19
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (MT)

They are not just calling me everyday, three to even five sometimes more per day, they ( XXXX XXXX - Sallie Mae ) even emails me daily, sometimes more than once a day. The fact 's are this is my grandson 's loan I am only a co-signer. He is not in default but having an issue between XXXX XXXX ( whom really is the big problem ) and acquiring a loan to get back into school. They kicked him out the day before finals because our loan was not complete which put him into an XXXX. We got a loan through XXXX and the school refuses to enroll him so the loan ca n't be excepted. It is bad enough that he is paying XXXX for classes he had XXXX in and was not allowed to finish the semester but the fact the kicked him out right at finals ... is wrong. I am trying to help him and XXXX is trying to resolve this and get a forbearance or something but no one is helping him. In the meantime I am being harassed for being a co-signer and this is not only illegal but beyond stressful. They are emotionally tormenting me, harassing me, stalking me via phone and email. I am a XXXX year old woman and I can not have this kind of XXXX daily. They need to work with my grandson so I can further co-sign but to harass me for signing when he is only a few days late and not DEFAULTING it abusive!!! I ant something done NOW please help us and help me I am too old for this kind of worry, stress and craziness. A co-signer should NOT be Harassed EVER. Notified of the issue yes but stalked via phone and email several times a day ... that is mentally tormenting and stalking me. Sallie Mae needs to be punished for this behavior and in away that will make them think twice before allowing this kind of torment especially to a co-signer. Please help us. Please!!! 

Respectfully Yours, XXXX XXXX
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

In 2013 I was given a HAMP modification. I had a company help me, At that time Nationstar was and is my servicer. At that time I reported an income of {$5200.00} per month in gross earnings. They gave me a payment of {$2400.00} that 's almost a 50 % I failed after 5 payments. I spoke to them and what they told me is that I was on a HAMP Tier 2 and that everything was done how it should be. I have never heard of 50 % of income on a mortgage payment.