davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

To start I had chase and was never notified the mortgage was sold then after I had put a lot of money into the house I had asked to have pmi removed then I was forced to purchase insurance from them then I had fallen behind in the mortgage and was able to get caught up then again I fell behind and they refused to let me catch up they would return the payments eventually I was able to apply for a modification at that time I was advised to tell them I would need them to apply areas to the back of the loan as the payments where going to them on time they sent 1 payment back then requested I start new trial again they refused last payment for modification then offered a third modification attempt this time we sent US Postal with tracking numbers again they said they didn't receive a payment for XXXX and they did not call write email no attempt until XXXX then cashed XXXX 's check sent back XXXX XXXX, XXXX, XXXX XXXX check in XXXX cashed XXXX 's then sent a letter to foreclose after they were notified that the postal service had delivered payment also I notified them of having issues with covid continued payments on time they still charged penalties and fraudulent charges I had the taxes reduced by the township and state they raised the fees I am convinced that they purposely refused payments to foreclose only property also I was never offered any help with alternatives and they did not apply monies paid to the loan and they did not report I have been paying on Time the last year and a half and there is more they were shown proof of payment and won't accept responsibility for the lost or misplaced XXXX payment and now don't want to offer the modification I believe they played with time on calendar to coincide with state expiration of covide expiration thanks for your help XXXX
Consumer complaint received 2021-09-26
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: SYNCHRONY FINANCIAL (NC)

SYNC Belk Duo Card : C/O XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Pulled my credit without my permission on XX/XX/2021. I did not request any information from them regarding a credit card. 

I will be contacting them, but need to let you know in case they are pulling credit from other people.
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I am trying to fight through roadblocks put up by my mortgage lender XXXX XXXX XXXX. They took over my loan from XXXX and have consistently lost paperwork, changed account managers and failed to review my current financial information and give me access to the government and internal programs they have so that I can save my home. They recently claimed that they had reviewed my financial information but stated I was denied because my monthly income is only {$1400.00}. That is not even CLOSE to accurate. I receive pension as well as XXXX and it is over {$2000.00} per month. It seems that Rushmore is just making an excuse to foreclose as they have set a sale date for XXXX XXXX. I have lived here since XXXX and XXXX XXXX  XXXXXXXX XXXX for just as long. Approximately one year ago I began having serious health issues and was forced to be hospitalized for XXXX XXXX XXXX. By the time I got out of the hospital I was behind on the mortgage, and unable to work. I have now been classified as permanently XXXX and I am on a fixed income. I have repeatedly tried to get Rushmore to engage in a fair and transparent negotiation so that I can resolve the matter of my delinquent payments but this has proven to be difficult. It is a constant runaround and paper chase and it seems that they are intentionally trying to stall so that they can foreclose on my home. I think it is wrong to mislead a US veteran who is now XXXX and try to force me out and not even give me chance to fix this situation. 

I needed to take some cash out and was steered/duped into a predatory high interest rate ARM loan by XXXX. When I realized what was happening at the signing table I objected but they told me not to worry, I could always refinance into a fixed rate loan later. It wasnt long after that property values tanked because of the recession and the hope of refinancing was gone. As my payment adjusted up I struggled and tried to get XXXX to help me at that time. They did offer me a modification, but it was a temporary fix, and after a few months my payment became higher than it was BEFORE the loan modification. XXXX was difficult to deal with and it is not surprising that they were fined and sanctioned by the Department of Justice for unethical foreclosure practices. When XXXX went out of business they sold my loan to Rushmore for pennies on the dollar and I feel that Rushmore is obligated to work with me to put a plan together so that I can save my home ; I was duped by XXXX at origination and then put into a modification that they said would lower my payment but they told me it was permanent and six months later the payment was higher than it had originally been! I cant afford my payment, it is close to half of my monthly income and I am significantly underwater and need help because Rushmore is ignoring me and trying to auction off my home!
Consumer complaint received 2021-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

I contacted the collection agency and the original creditor an informed them both that they have a collection account in my name that does not belong to me. It appears to be an collection account with a company name Merchants Credit Guide partial account number XXXX in the amount of {$340.00} with an open date of XX/XX/2020 and the original creditor is XXXX XXXX XXXX. I have requested signed documents or any contracts that would link me to these accounts in written and both the collection agency and original creditor has failed to provide the information requested and this is a breach against the HIPA Law.
Consumer complaint received 2021-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I am XXXX had Bank of America account since XXXX and its my salaried account. I have added my husband XXXX as a joint holder to my account in XXXX after our marriage. Currently I have protection orders against my husband. He forged my signature and withdrew my cash and closed my account. The bank of ameracia discriminated me because of my nationality and my language and favors XXXX XXXX, by cancelling already issued cashiers checks to me on file and sending new cashiers check worth {$3400.00} to new po box address which is not on the file, without notifying me even after I rise the issue to the bank of my ongoing legal issues. Please find the attached copies of my forged signatures on the cashiers check. Also attached the police report of forgery. 
It is the banks responsibility to verify address to sent check and the sigunatures when I have raised the issues to the bank. 
Concerns : 1.If I am not authorize to encash with out my spouse, who can bank clear the check to XXXX without my presence while I have protection orders against him. 
2. When I notified the BOA issue that I have with my husband. How can they send the checks to the different address than the original address on the file. 
3. How can BOA released the funds without verifying my signature ( Loyal customer of BOA more than 12 years. ) 4.I am in the fear he might be forge my signature for illegal activities which I have to involve to face them.
Consumer complaint received 2021-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

I contacted the collection agency and the original creditor an informed them both that they have a collection account in my name that does not belong to me. It appears to be an collection account with a company name Merchants Credit Guide partial account number XXXX in the amount of {$510.00} with an open date of XX/XX/2019 and the original creditor is XXXX XXXX XXXX. I have requested signed documents or any contracts that would link me to these accounts in written and both the collection agency and original creditor has failed to provide the information requested and this is a breach against the HIPA Law.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

Information on my credit report provided by XXXX and XXXX that states I have severe delinquent accounts which is NOT true is negatively affecting my ability to get credit. I have 100 % payment history!! This is beyond ridiculous and was a corporate account that was handled with XXXX in 2013.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Information on my credit report provided by XXXX and Transunion that states I have severe delinquent accounts which is NOT true is negatively affecting my ability to get credit. I have 100 % payment history!! This is beyond ridiculous and was a corporate account that was handled with XXXX in 2013.
Consumer complaint received 2021-09-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KY)

I had been taking advantage of the forbearance program offered by my then mortgage company XXXX XXXX back XXXXXX/XX/XXXX. In XXXX XXXX I was notified that my mortgage was being sold to another company and well be serviced by ( Carrington mortgage services ). 
I contacted Carrington to setup my account information and to conclude the forbearance program offered. I person told my forbearance period would be ending XXXX and that I would need to filled out a " loan modification '' and send it back to them i did so XX/XX/XXXX. at the time the document showed an arrears of {$7900.00} this figure is end conflict with a mailed billed dated XX/XX/XXXX that states I owe {$8700.00} That person at carrington contacted me stating the documents didn't pass their companies quality control department. This also happened again on XX/XX/XXXX when I Resubmitted with new dated signed on them by the notary and me. On XX/XX/XXXX. This set back had caused a delay in the forbearance period ending. The final approved loan modification on XX/XX/XXXX. During the extended time involved in finalizing these documents. Carrington ( mailed me ) again extended for forbearance time to end XX/XX/XXXX. The final documents signed and dated were approved and submitted on XX/XX/XXXX. I believing that my 1st payment due on XX/XX/XXXX. XXXX made the payment online through carrington web portal but ; It showed that payment went towards the XXXX payment of my account. I contacted the same person at carrington and told me that the XXXX and XXXX payments would not be required. this statement is also in his email to me. I tried to log in to my carrington account online to make my XXXX payment only to see i'm locked out from making a payment. i contacted carrington and asked what i need to do. A different person told me that my forbearance ended XX/XX/XXXX and that i'm too far behind to use the online payment option. I explained I had a company letter head mail stating by forbearance end XX/XX/XXXX. That person said " they see no record of that in my file '' He also asked if I would email him a copy of the letter which i did XX/XX/XXXX. 
Carrington and it's agent had giving me and extended period of time to complete and return the required documents they needed. their agent told me and also in emails that I don't own for the months of XXXX and XX/XX/XXXX. 
I've repeatedly asked for copies of their documents from the quality control department that show the reason why they fail. this too was never replied to. 
They ( carrington and it's agents ) have refused to reply to multiple calls regarding this matter. even during conference calls with a 3rd party credit/debt resolution company. 
I want to make my payments and carrington and/or it's agents well not let me. 
The Final FHA load modification paperwork carrington submitted and approval for is wrong. It wasn't signed, submitted and approved until mid. XX/XX/XXXX.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Advantage LNS Inc. (NJ)

On XXXX XXXX9 National Credit Audit added a derogatory mark on my credit report per XXXX. Upon further research, this account, this account was transferred/sold and I am no longer responsible for the account. Debtor 's credit did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt all. A bill without a signature does not validate the debt and anybody can send a bill and say it is my bill. According to the FCRA, National Credit Audit has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Consumer complaint received 2021-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I did a refinance and my loan was transferred to Mr Cooper. At the time of the refinance I clearly indicated that the sole reason for the refinance is to be set up on Bi-weekly payment to rapidly payoff my mortgage. At the time was informed not a problem. The problem is this never happened. I emailed Mr cooper XX/XX/21 of the error that needed to be rectified. I did not get a response. Followed up again with multiple messages and email and was informed there will be a charge for the bi-weekly set up. It is false and misleading. At no point anywhere in my emails or contract I signed was there an indication of a fee. The unfair practice needs to be stopped. Was promised a call back once there is clarification per the error on their part. I did not get one even paid my mortgage 30days ahead as I was instructed to do by the representative of the company yet nothing till date.
Consumer complaint received 2021-09-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

Per my contract as the debtor I will be asserting my rights as the debtor XXXX XXXX XXXX violated 12 CFR Part 1026 - Truth in Lending ( Regulation Z ) 3-415. OBLIGATION OF INDORSER. 

16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

1.15 U.S. Code 1692e.False or misleading representations 2.15 U.S. Code 1635 - Right of rescission as to certain transactions 3.15 U.S. Code 1605 - Determination of finance charge 4.15 U.S. Code 1692c ( a )
Consumer complaint received 2021-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MT)

I was behind on payments leading up to XX/XX/XXXX. I had accumulated all of my past due payments and was calling Mr. Cooper to get wiring information and at that time, they told me that I didn't have to make that payment and there was a " great '' new government program out, and I didn't have to make payments and could use the money for other things. They lured me into this program, aka CARES Act Forebearance, with the " promise '' that the payments would go into the end of the loan. I was promised no late fees, no required payments and that the balance would be added to the end of the loan. Now, come to find out, they are telling me I need to pay the lump sum or give up my home. This was financial entrapment. The reason I was initially behind was because Mr. Copper increased my mortgage payment by 34 % in XX/XX/XXXX, claiming that the prior servicer had not calculated or collected escrow correctly. The prior servicer, XXXX, XXXX had on numerous occasions required excessive and predatory amounts of third party fees and expenses to keep the loan current and in place. No one has been able to substantiate what months and what amounts of escrow were not paid accurately or correctly doing the life of this loan, causing the 34 % increase in my payment prior to forbearance. I have owned this home for 21 years and I feel like I have been intentionally placed into a precarious place by Mr. Cooper and XXXX XXXX
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NM)

Thanks to the CFPB I was able to get my account settled after it was lost in their system. Now they are reporting I still have a balance when I dont. I am a vet trying to buy a house and desperately need a paid in full letter but they refused for over two weeks after the money cleared my account. After 25 phone calls and six people each day I am now getting them to fax a letter but it takes up to 48 business hours and the last one was supposed to be sent four days and my lender didnt get it. So 20 calls later they are resending it and of course it will take another 48 business hours because they refuse to expedite it. They also refuse to give me to a superior stating that no one is there at the moment.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc. (KS)

I am reaching out today to express my concern regarding the continued contact from Unifin , Inc, a debt collector, after I have explicitly requested for them to cease communication with me. On XXXX, a certified letter with tracking information to Unifin, INC, was received and picked up by an individual at their XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Despite this, I have received multiple text messages from Unifin, INC on XXXX, XXXX, and XXXX, as well as a missed call from a local number, XXXX, on XXXX. Upon calling the number back, the automated system identified itself as Unifin and requested me to hold for the next available representative. As per the Fair Debt Collection Practices Act, I have every right to request for communication to stop and I am disappointed that Unifin, INC has not complied with my request as they have received a cease all communications letter from me.
Consumer complaint received 2021-09-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

After a long battle with XXXX I managed to receive the title for my XXXX XXXX XXXX. But now another issue at the DMV. Seems like XXXX XXXX failed to declare the lease and sales taxes and the DMV clerk is stating that I own XXXX $ in sales tax. The taxes were paid per account closure which I will attach it. I called XXXX XXXX on XX/XX/XXXX from DMW and they said that the letter that states the taxes were paid is going to be sent in 10 business days which didn't happened. I called again XXXX XXXX on XX/XX/XXXX and asked about the status of this letter and they said it hasn't even been sent nor processed. The new customer representative promised me again another 10 business days and also gave me some sort of tracking # SR # XXXX. So we are 14 business days an no letter for me to have this transfer finalized. I don't know what else to do in order for me to have this letter in hand in order to finalize this transfer. The car has been paid off with XXXX XXXX since XX/XX/XXXX. Car Base Payment : {$22000.00} and Sale/Use Tax : {$1800.00}. I don't understand why it takes so long for such an easy task to be completed by XXXX XXXX team. They should be accountable for any late fees if DMV will decide that will need to be paid.
Consumer complaint received 2021-09-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Title company XXXX admits to making mistake regarding improper deed transfer and won't assist with correcting the mistake they made. Hello, my name is XXXX XXXX I refinance my home on XX/XX/2018 the Title company calls me 9 months after refinancing my home on XX/XX/2018 to tell me they made a mistake and new deeds needed to be signed. I was instructed by the notary agent to XXXX sign my interest away on warranty deed and then instructed to sign another warranty deed getting my interest in the property back. The two deeds were signed and notarized on the Same Day. XXXX now shows as if I signed my property away where I'm still holding a mortgage. Although the title company admits they made a mistake they also said that I asked them to remove my name off title and deed??? I never asked to be removed from title or deed
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have disputed to have this account deleted from my credit report multiple times. 
The account was with XXXX XXXX XXXX  XXXX. 
The amount XXXX has been written off. 
Also the account is closed. 
Experian refuses to delete this from my credit report. 
The investigation did not last 30 days. 
I received my recent dispute investigation within 3 days. 
Experian is not investigating my disputes fairly.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed several complaints with CFCP after having no luck getting them to correct the mistakes on my credit files. 
In response to filing the complaints, the credit reporting companies took vindictive action on my credit file. 
After the creditors reported the updated information, XXXX, and XXXX both reported the same account MULTIPLE times on my credit file making my credit file appear much worst than it is. 
Instead of being fair and honest companies, it seems the Credit reporting companies are petty and corrupt. 
Included is a copy of said closed accounts on my XXXX report. The information is similar to the same on my XXXX file. 
The report detail I include truncates so you can not see the account numbers but the are the same, over and over. 
Doesn't same fair to have the same charged off ( paid in full ) reported multiple times, with both varying correct and bogus infomation.