davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Account was opened with XXXX about XX/XX/XXXX or XX/XX/XXXX & remained open until XX/XX/XXXX with payments being made until that year. I did have an account with that firm but I paid the balance in full. I was unaware of the account until I attempted to finance a car in XX/XX/XXXX & was declined due to the account showing as in collection. I had never been contacted by XXXX or the collection agency ( XXXX XXXX of XXXX XXXX ) until I contacted them in XX/XX/XXXX. Midland was not helpful in providing any details of the debt i.e.what was bought, who paid and/or from what account, addresses etc. I had no way to determine if the debt was mine. Asking for documentation showing signatures, statements or forms of payments that could be used to verify the account as mine I filed disputes with the credit bureaus in XX/XX/XXXX. I got nothing other than they were in compliance with all collection guidelines. 
I tried calling Midland- again, no help-no documents. 
In XX/XX/XXXX I called the fraud department at XXXX. Gave them all the info I had about the account & asked for documentation that would prove the account was mine. I learned the account was opened over the phone-no signatures. Again, while they had more information than Midland there was nothing that really showed me as the active person on the account. I wanted statements, payment sources showing my bank accounts. They were not able to prove to me it was my account. 
They wanted 30 days to investigate & make a decision. On XX/XX/XXXX I had not heard from them so I called the XXXX fraud dept. They told me their records showed it was my account. When I asked what records I got answers like, " I can't access that screen '' or I don't have that. When I asked for specifics like what accounts did the payments come from they did't know. 

I can't go back to XX/XX/XXXX or XX/XX/XXXX to check records. My stance is that I will pay the balance if someone can PROVE to me I owe the balance. To date no one has.
Consumer complaint received 2018-11-21
Product: Vehicle loan or lease — Loan
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: Consumer Portfolio Services, Inc. (TX)

I have sent numerous requests to this company regarding the failure to provide me the past due amount they state I owe along with providing me my CAR TITLE for a vehicle that was paid off in XX/XX/2012. Department of Motor Vehicles law states failure to provide the title within the 30 days after loan is paid in full results in an automatic {$25.00} penalty, plus another {$25.00} for each month the title is late.
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Complaint ID : XXXX Just received first Mortgage coupon and IT STILL HAS ESCROW INCLUDED! Why hasn't CFPB resolved this accordingly? USAA tricked us by including Escrow in an email and saying it is equal to Final Disclosure before closing. 

CFPB has not contacted us.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I paid off my capital one card and closed this account in XX/XX/2018. all the other credit card companies have been wonderful to work with except for capital One. I was approved for a debt consolidation loan from my bank in XX/XX/XXXX which collected all my statements and mailed out checks paying off my credit cards to a XXXX balance. I DID call all of my credit card vendors informing them they would be receiving a check in the mail to pay off my cards. all my credit cards were paid off in full except for capital One who is being very difficult and not working with me about interest charges or late fees. I did pay my bill on time every month. There was a holiday in between the checks being mailed out and I wish they would have put it in my account so I could have paid these bills off online but that is not how it worked. I called capital One to explain the situation they told me once I close my account all the interest and late fees would betaking off and I would have a XXXX balance which I do have a letter in the mail from capital One saying that I did have a XXXX balance. They now have it on my credit report that I owe them {$71.00} and then charging me late fees and interest charges still to this day over this credit card that was paid off and closed in XX/XX/2018. I do not owe them any money. I called and close this card in XX/XX/XXXX and I am still getting interest charges in XX/XX/XXXX and XX/XX/XXXX and late fees of XX/XX/2018. I have tried to call them 3 or 4 times and they are very argumentative and not wanting to do away with these charges that I do not owe. please can you do something about this credit card company that does not work with anyone trying to get out of debt. I'm sure the calls are recorded and I know there is one that is recorded saying that the representative told me there would be a XXXX balance after this amount in XX/XX/XXXX was paid off and when I close my account in XX/XX/XXXX that I would have a XXXX balance.
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 — Personal information incorrect
Company: ID Analytics, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX My name is XXXX XXXX XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. Please remove the following addresses from my credit report they are not accurate please remove delete ASAP : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX i HAVE NEVER USED ANY SOCIAL SECURITY NUMBER ENDING XXXX PLEASE DELETE IT FROM MY CREDIT FILE. THE FOLLOWING NUMBERS ARE NOT MINE : ( 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 I DO NOT WORK FOR ANY OF THESE COMPANIES ERRORS PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Personal information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX My name is XXXX XXXX XXXX XXXX delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. Please remove the following addresses from my credit report they are not accurate please remove delete ASAP : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX i HAVE NEVER USED ANY SOCIAL SECURITY NUMBER ENDING XXXX PLEASE DELETE IT FROM MY CREDIT FILE. THE FOLLOWING NUMBERS ARE NOT MINE : ( 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 I DO NOT WORK FOR ANY OF THESE COMPANIES ERRORS PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (GA)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX My name is XXXX XXXX XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. Please remove the following addresses from my credit report they are not accurate please remove delete ASAP : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX i HAVE NEVER USED ANY SOCIAL SECURITY NUMBER ENDING XXXX PLEASE DELETE IT FROM MY CREDIT FILE. THE FOLLOWING NUMBERS ARE NOT MINE : ( 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 I DO NOT WORK FOR ANY OF THESE COMPANIES ERRORS PLEASE DELETE : XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX My name is XXXX XXXX XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. Please remove the following addresses from my credit report they are not accurate please remove delete ASAP : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX i HAVE NEVER USED ANY SOCIAL SECURITY NUMBER ENDING XXXX PLEASE DELETE IT FROM MY CREDIT FILE. THE FOLLOWING NUMBERS ARE NOT MINE : ( 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 I DO NOT WORK FOR ANY OF THESE COMPANIES ERRORS PLEASE DELETE : XXXX   XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-05
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. (LA)

I paid 2 collections on XX/XX/2019 upon the agreement that these would be removed from my credit report completely. 

The collection agency purposely moved the collections into " new debt '' on XX/XX/XXXX or XXXX. 

I've called several times and only 1 of the items was removed while being given all sorts of excuses. 

Experian has notified me that they have no instruction in their XXXX system to remove the " new debt. '' I filed a dispute stating as much and still XXXX XXXX XXXX lied yet again.
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (MI)

Filed a dispute with Paypal on XXXX hair company. Although all the evidence was sent in to Paypal, as well as XXXX hair company, XXXX decides to side with the hair company by not ensuring my protection as a consumer. My cancelled purchase resulted in a financial loss in the amount of {$630.00}. In spite of all wrongdoing, as well as consumer abuse by XXXX hair company, Paypal prolonged the dispute time to where the time was also exhausted to complain with my credit union of whom my payment to Paypal was paid through.
Consumer complaint received 2022-04-05
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. (MS)

In accordance with the Fair Credit Reporting act XXXX  Account Open XXXX XXXX Bank XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX & XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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  has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I, XXXX XXXX XXXX DID NOT GIVE TRANSUNION, XXXX, XXXX ANY WRITTEN INSTRUCTION.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

account : XXXX BofA CC they charged me a XXXX dollar bounce check fee. they are unwilling to tell where this " check '' is coming from. they have hung up on me 3 time. i asked them to reverse the charge and to tell me where the check is coming from so i can investigate. I don't understand why the refuse both my very basic requests. it is especially funny because they say there actually was no check. kind'a a head scratcher ... they need to return the the XXXX, make sure no other fees are going to be charged my account and stop accepting " checks '' from whom ever is sending BofA these thing. still don't know who that is. everything i've learned so far suggests this could be a accruing situation. time might be of the essence. please help, XXXX XXXX XXXX
Consumer complaint received 2018-11-21
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C. (AZ)

I took out XXXX private student loans several years ago. I had retained an attorney ( see below for address ) who assisted me in paying debts to other loans. In the two year span working with the attorney, they never heard from XXXX. XXXX never returned phone calls, nor could my attorney find out who ( at this time ) actually owned the loan. I was just served with a civil suit for payment which amount and date do not match anything I have on file. The amount and date are not reflected in my credit report either. I don't actually know who owns the loan now and why they waited so many years before filing suit? 
XXXX XXXX XXXX ( attorney I had retained from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Civil Suit : XXXX XXXX XXXX XXXX XXXX/XXXX  justice court Gurstel Law Firm XXXX XXXX XXXX XXXX XXXX, AZ XXXX On the summons it says : XXXX private credit Student Loan XXXX XXXX XXXX Total amount {$5500.00}
Consumer complaint received 2019-09-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I paid 2 collections on XX/XX/2019 upon the agreement that these would be removed from my credit report completely. 

The collection agency purposely moved the collections into " new debt '' on XX/XX/XXXX or XXXX. 

I've called several times and only 1 of the items was removed while being given all sorts of excuses. 

XXXX has notified me that they have no instruction in their XXXX system to remove the " new debt. '' I filed a dispute stating as much and still Portfolio Recovery Associates lied yet again.
Consumer complaint received 2023-03-27
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. (CA)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$390.00}.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

SOMEONE STOLE A CHECK AND DEPOSITED INTO MY ACCOUNT WITHOUT MY PERMSISSION AND IT HAVE CAUSED OVERDRAFT FEES AND ALSO CAUSED ME TO BE IN DEBT TO US BANK. I DID NOT ALLOW THIS PERSON TO DO THIS TRANSACTION AND USE MY ACCOUNT, IT WAS DONE WITHOUT MY KNOWLEDGE AND I DON'T KNOW WHO DID IT.
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 — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (PA)

In 2011 I filed a chapter XXXX bankruptcy and I was told by the court and my attorney that it would be removed from my report in seven years and it's now eight years, I have showed excellent credit worthiness and it needs to be removed.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2023, I sent a letter to the major credit bureaus to update my personal information because there were several addresses that do not belong to me and I have not received any documentation of the removal or seen any with my credit monitoring update. I have included my personal documents for the investigation to be conducted and there is no communication from any of the main three bureaus within the last 45 days. I am being denied the right to dispute inaccurate information.
Consumer complaint received 2018-11-23
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: Experian Information Solutions Inc. (TN)

I tried to buy a house and the mortgage group notified me that one of the three bureaus they pulled my credit reports from was suspiciously low. Found multiple incorrect items reported on my report on Experian. Tried to resolve the issue in XXXX but Experian provided no assistance in the matter. The information on my account also has multiple instances of someone else 's information ( all of which is overdue ) on it who happens to have the same name and be from the same part of Tennessee as me. This is negatively effecting my life. I'm trying to get a personal auto loan and can not due to this bureau 's negligence in thoroughness.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (MA)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (MN)

XX/XX/2018 At around XXXX XXXX I opened an email from XXXX XXXX, and I opened the email and it said that it was a no obligation to get a response and nothing would effect my credit score or rating, however I found out later in the day They did ding my credit score. My credit score is Poor already and I am trying to refinance the house I and my children are in and now my scores are affected and lower then before.

I am waiting for XXXX XXXX and XXXX XXXX and going through the courts for this, I wanted to get a quote on what the payments would be reduced to, however found that there were no savings to be had after taxes, principle and interest where added.

So, I am very concerned and want my scores put back to normal XXXX XXXX has no right to take advantage by claiming these things. I am used to having my husband do these thypes of things and feel taken advantage of, and lied to. XXXX XXXX