davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

XXXX XXXX ( XXXX ) To : you Details AFFIDAVIT OF TRUTH Indeed, no more than ( affidavits ) is necessary to make the prima facie case. 
United States vs. Kis, 658F.2nd, 526, 536 ( 7th Cir. 1981 ) ; Cert Denied, 50 U.S.L.W. 2169 ; S> Ct XX/XX/XXXX XX/XX/XXXX For and on the record I hereby certify and swear the following statement is the Truth and nothing but the Truth. 

My name is XXXX XXXX and contacting and asking your company for help in the following issue : I am part owner through life estate of a property shared with XXXX XXXX XXXX, which is located at XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX County. This property was used in obtaining a mortgage on XX/XX/XXXX. The mortgage amount was {$200000.00} with a 30-year fixed interest rate of 3.990 % - 132 months through a Quicken Loans Company located at XXXX XXXX XXXX, XXXX, Michigan XXXX. 

Mortgage Banker XXXX XXXX ( Please See Attachments ) was the closing agent for the title company, XXXX XXXX, XXXX. This company performed the title search on the property of XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX dated XX/XX/XXXX and at that time the deed read in the following way ( Please refer back to attachments ). Hence, it was a direct endorsement approval for a HUD / FHA-insured mortgage - Loan number XXXX. 

On or about XXXX/ XX/XX/XXXX, XXXX XXXX XXXX went back to the same company Quicken Loan for a refinance. At that time, we were informed that the property could not be refinanced because of the life estate that was on our property and as a part of Quicken Loans policy. Specifically, according to this policy, they will not refinance or mortgage any property that has life estate attached to it. 

Being informed of this information that was not revealed or made known to Miss XXXX or myself, Mr. XXXX, when our home was first financed of this policy has shown a lack of transparency. Being that this contract is lacking or missing pertinent information for it to be formed and legitimate causes the note of said contract to be unenforceable. This oversight has created a bilateral mistake inside the body of said contract, which makes the subject matter ( Deed ) that the title company, XXXX XXXX XXXX./XXXX XXXX liable for said mortgage contract, which binds Ms. XXXX to this illegitimate debt. 

In order to cure this matter, I am proposing the following to be done : All monies paid from XX/XX/XXXX to the present into this illegitimate contract be returned to Mr. XXXX XXXX XXXX and Ms. XXXX XXXX XXXX with intertrest, without prejudice. 


Since being told that we can not refinance our home, we are receiving emails from same title company, using a different name XXXX XXXX from Mr. XXXX XXXX, that informed me Mr. XXXX that XXXX and XXXX XXXX are one of the same. I am concerned that different individuals are trying to ignore or bypass our issue and act as if it did not occur or exist. 

Please click on link for attachments https : XXXX Reply Reply All Forward
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

You are reporting inaccurate information on my credit reports you are to correct that information at once or be sued. you are reporting my account status as derogatory when in fact the account status is sold and charged off your are reporting my payment history as in collections/charged off as per 611 FCRA dispute you are to show me proof that my payment status has a collection on it did you send my account to collections after you sold it that is inaccurate reporting so me proof that a account you don't own can be derogatory you don't own it to report it that way. you have as 90 days late 11 times you are to proof that I'm 90 days late after you closed the account XX/XX/2018 and charge off XX/XX/XXXX. 
I have sent a request to the IRS to investigate why you let my account go 90 days late 11 times before you closed and charged off the account that's is what you are reporting .In the United States , Federal regulations require creditors to charge-off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days. a complaint has been filed with NYS Office of the Attorney general consumer affairs XXXX and NYS dept of consumer protection and the Dept of state
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CT)

I purchased XXXX dog beds from XXXX. They both had tears in tem. I contacted the merchant and they sent me a return label to send these XXXX dogs beds back to them. I sent the XXXX dog bed covers back to them with the return receipt. They advised that they received a " blue cushion ''. Both dog beds were in the box. My credit card ompany is not helping me at all. They are taking the word of XXXX. I have contacted XXXX, XXXX and the dept of consumer protection. This is very upsetting.
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (NY)

I was an account holder of the Chase XXXX Visa card. One of the perks is that you receive Marriott Gold Elite Status as long as you spend {$10000.00} in an account year. I met that requirement for XX/XX/XXXX, and received Marriott Gold Elite Status XX/XX/XXXX. I spoke with a Chase account rep XX/XX/XXXX who confirmed I may close my account and not lose the status. I closed the Chase account, and lost the status.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

XX/XX/2019 1 I sent a letter with verifying information of my identity to experian to release a credit freeze on my name and account number and they have sent a letter saying to continue the freeze send further information I want the freeze released lifted theres no way to contact them by phone
Consumer complaint received 2019-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NC)

I have been disputing with a collection agency by the name of Ability Recovery Services that has reported a bill in the amount of {$870.00} to the credit bureaus that is inaccurate. The company was contacted numerous times in writing and by telephone. I had submitted certified letters to the company dating XX/XX/2019, XX/XX/2019, and XX/XX/2019 and the company has refused to reply to any of the correspondence within 30, 60, and now 90 days.

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Ability Recovery Services. And if this is a medical account, I have requested a copy of any HIPAA authorization that was allegedly provided by me.

Also, I had informed them that any negative marks found on my credit reports ( including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if Ability Recovery Services can not validate the debt, they must request that all crediting reporting agencies delete the entry. 

Again, they have not sent any evidence nor have they responded to any of my letters.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

when I was in my XXXX, I transferred schools. Then they began billing me as if I was no longer enrolled in school. I filled out forms and the financial aid dept at my university informed them I should have my payments deferred until graduation. unfortunately, none of that happened and my loans accumulated interest and late fees. I payed what I could and then could n't. it went into forbearance. I eventually was able to get a repayment plan based on income. however, I am still paying more than I should have.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Flagstar Bank, N.A. (MI)

XX/XX/2020 at flagstar bank in XXXX mi try to open account for XXXX $ they say we can not open account no reason my score is good no problem at all i want to open my account for normal pay online so why im usa citizen i have right to open account discrimantions againsit me based on gender and color
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Hello, we have fallen behind in our mortgage loan and Ocwen Loan Servicing LLC, is the servicer for the loan. We have applied for a Loan modification, submitted all of the documentation to Ocwen and they are stating that the process can take 30 days. The only way to get answers is by making scheduled appointments with a designated Relationship Manager who is only available by appointments. In the meantime, the bank, XXXX has foreclosed on us. I have explained to Ocwen that the Bank has foreclosed and they said to me that they have no records of this information. I contacted a forecloseure lawyer and with his help he did confirm that they did start the Foreclosure. How is it possible that Ocwen does not know. Moreover, why does their loan mod process have to take 30 days. I do not want to loose our home. We have been living in here for the past 15 years and we are back on track with both of us having full time jobs. We are capable of paying our mortgage.
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: COAST PROFESSIONAL INC (TX)

In the XX/XX/XXXX I put in for my financial aid and was told everything was ok, only to find out that the financial aid office had messed up mine and several other students aid packages. The mistake left me owing approximately $ XXXX to the university. I started making payments to the university but was a student worker and was living on my own. This added a tremendous amount of XXXX to my life and then the university cut my hours. In the XX/XX/XXXX I stopped college due to the financial issues that I was having with the university. I had given Information about my issue with loan holders online, they told me that they would work with me. About 3-6 months later I found out that XXXX XXXX had my loan, I told them of my financial problems and started making small payments on my loans, then the job that I had cut my hours in half. I then contacted XXXX XXXX to explain my situation and then all of a sudden my loan is in the hands of Coast Professional Inc, and during the transfer they are charging an addition approximately {$8800.00} penalties and interest. It upsets me that my student loan went from about $ XXXX to now $ XXXX in less than 2 years. Now I finally started a decent job that I can afford to start paying on the loans again but I do n't like the fact that nearly $ XXXX was tacked onto my account. I was honest about my lack of ability to pay during a XXXX period of my life and feel that I ' ve been gouged by all the interest and penalties added to my account. Please let me know if I have a way to get a fair loan with more reasonable lenders.
Consumer complaint received 2023-07-24
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: AMERICAN EXPRESS COMPANY (MO)

I paid American Express credit card in full XX/XX/XXXX. Amount {$3000.00}. Due date was XXXX XXXX. It was paid by XXXX XXXX. In XXXX XXXX they sent me a statement for additional interest for {$44.00}. Now, due to penalties and interest it is up to, I think {$280.00}. Their policy states that if it is paid in full by the due date, no additional interest will be charged. I contacted Amex XX/XX/XXXX, disputed the charge and closed the account and cut up the card. They closed the online account and I can no longer view statements. I sent them 2 letters and had 2 or 3 additional phone conversations. I also filed a dispute with the 3 reporting agencies .... to no avail. I had the account for over 7 years and was never delinquent once. They do not explain their inconsistencies and continue to send me emails or letters with inconsistent information. I paid off 13 credit cards in XX/XX/XXXX and American express is the only one to do this. ( I typed my phone number in wrong. It should be XXXX. My cell is XXXX )
Consumer complaint received 2023-06-14
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX and XXXX XXXX XXXX. Please correct and update ASAP.
Consumer complaint received 2022-01-13
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. (PA)

Equifax is reporting XXXX XXXX Account # : XXXX. This account was not on my credit report before. I Have never gone into any business with this account or have any knowledge of this account, Equifax show no history of this account or any data its suppose to be shown as per the FCRA. I have filed a Identity Theft Report and advise Equifax to comply with U.S. Code 1681c-2- Block of Information Resulting from Identity Theft, or I would not hesitate to notify my States Attorney General and file suit here in Pennsylvania against Equifax XXXX
Consumer complaint received 2019-05-08
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Over the last 5 years, I have attempted to settle this HELOC with HSBC with a single payment, a partial payment lower than what I owe them. The two liens on the house XXXX XXXX is approx. {$410000.00} and the HSBC heloc is with penalties and interest $ XXXX. 
The house is worth about $ XXXX. 
Over and over they sent me back to loss mitigation to create a payment plan for the {$350000.00} Heloc lien which serves me no purpose as there is no equity in the home for me. 
I have written them at least 7 times offering a single payment buyout of the total debt of {$30000.00}, {$20000.00} and {$15000.00} to open a dialogue with them. Nothing. 
All I get is a long loss mitigation form and I'm back to square one. 
They are now moving forward with a forclosure on the house, the home I wanted to retire in.
Consumer complaint received 2021-07-23
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: EQUIFAX, INC. (GA)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

I had a flood in my basement and recieved a check for the damages, which was also written out to the mortgage company DITECH, I have made several attemts to call them to see what I need to do with the check as they need to sign it as well. I have waited between 15 and 55 minutes on hold with out ever getting through, and it even went so far as when I told this to regular customer service and asked to speak to a supervisor, his rude response was I have other customers and rudely hung up on me I even went on their website and filled out the form to have them contact me but to no avail Please help me All i want and need is a response I already filed a complaint to you they gave a lame excuse and meanwhile they sold the mortgage to XXXX whoo has not recieved the check yet and i waited 4 months and still never recieved a penny
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

The attached provides a general overview of the entire situation dating back to a wrongful default in XX/XX/XXXX, which I 've been fighting ever since. However this particular complaint specifically addresses an action taken by Bayview Loan Servicing , LLC ( BLS ) in XX/XX/XXXX. All details, dates and related documentation is included. The action referenced was a " secreted '' review for a loan modification pursued by BLS in direct contradiction to my direction ( provided to them on multiple occasions ). I briefly considered a loan modification in an effort to stop foreclosure action. However, because of an highly inflated balance resulting from the wrongful default, errors, payments not credited, etc. I 'd be trying to have reconciled since, I decided to try again to accomplish that before moving ahead with the modification. As such, I advised BLS accordingly ( XX/XX/XXXX ). I did not submit or sign an RMA application and did n't submit any required documentation. I was told during earlier discussions with a representative that to be able to discuss the options, I needed to sign a hardship affidavit and a BLS Information release, which I did. Neither authorized them to purse a loan modification. BLS has been building a case to withstand any opposition to foreclosure since servicing was transferred to them in XX/XX/XXXX. Details regarding its purposeful in action over five years is provided in the complaint. I have gone in circles since XX/XX/XXXX but did make limited progress until the transfer. All corrections and credits made prior to the transfer have been reversed without explanation and not a single identified error, questionable charge unapplied payment, etc. has been addressed. In fact BLS has not even acknowledged the problem despite 30 or so QWR 's and four CFPB complaints. In my case it 's resulted in inflated balance of somewhere around {$250000.00} over what I actually owe. With this action being so egregious, together with the thousands ( and growing ) of complaints against BLS with similar stories of BLS ' predatory servicing in your database ( and published lawsuits ), I 'd like to have the CFPB consider an investigation. They may not be as notorious as others you 've sanctioned, but they are equally destructive and devastating lives. I do hope you 'll consider this case seriously.
Consumer complaint received 2016-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (PA)

I have been paying American Education Services on an original loan of XXXX ( combined ) for over 10 years. I have taken some deferments. My loan is currently at XXXX. The lady that I spoke with told me I had XXXX loans that cost over a total of XXXX???? I informed her that I have never had that much money borrowed. She told me it 's a " mute point now '' and refused to explain to me where she was getting that figure. That amount is simply incorrect. I want to find a loan program where my payments make a difference. Do you have any suggestions? I will be XXXX years old before I pay this loan off if I do not find a product that helps me to pay my loan down. I am confused and angry.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX checked his credit report XX/XX/2023, and found that a business reporting information against his credit file and doing business as Credit Collection Services is asserting that XXXX has an unpaid collection account and bill with a business known as XXXX XXXX XXXX contacted Credit Collection Services and discussed this matter with them. Credit Collection Services stated that in order to have the bill re-submitted to his health insurance provider it would be necessary for him to complete a form and attach his health insurance card so that it can be processed with updated health insurance information. XXXX complied and then got a packet in the mail with billing codes and other related matters to an alleged lab service. XXXX examined the packet and learned that the services were apparently rendered in XXXX XXXX, CA, a -lace where XXXX never had blood work performed. This is a fraudulent account if this blood lab was performed in XXXX XXXX, CA. If this is just how the bill is presented to the consumer for lab work that was performed elsewhere, but the paper work shows an alternate address, this bill is still not valid. It needs to be returned to the health care provider so that different XXXX codes can be provided so that the blood lab is covered by his health insurance. XXXX just encountered this same issue with a business XXXX XXXX and the codes were updated and the bill became much smaller ; roughly {$100.00}. Therefore this bill is either a fraudulent representation for a service he did not receive or there is a coding and billing issue which can be resolved.