davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (DC)

Good afternoon, My name is XXXX im having various issues with my mortgage company " Freedom Mortgage '' this is the second issue with them I paid them {$1600.00} on XX/XX/2017 now their stating that they never received the payments I show them my bank statements and had my bank send over the proof the took the funds out my account..Now they keep calling me asking for the same paperwork they have in systems.. I 'm starting to think someone for the company has been stealing my payments so I call lose my house ... I 'm a fairly new homeowner it 's been a rough year dealing with Freedom mortgage ... They are creating a hardship for me and my family it 's been a long year now going back and forth with them about money ... Please please help me
Consumer complaint received 2016-07-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CONDOR CAPITAL CORP (TX)

I received a car loan through Condor Capital. I brought a used 2011 Ford Focus for a little more than XXXX, XXXX. Some how I got financed for a loan at 14.9 % which made the cost go up to over XXXX ( not sure how ) my loan was for 72 months which has me somehow paying over XXXX, XXXX for a used Ford Focus even after I put {$1500.00} down. I have been paying for the car since XXXX and still owe almost XXXX. I typically make payments of about {$400.00} a month and it never seems to touch my past due balance. My car note is only supposed to be about XXXX a month. Condor Capital had several complaints against their collections practices, however they gave me some type of bogus refund that was part of their settlement with the court and then absorbed it all back in fees that still left me with a past due balance. They are now XXXX and are harassing me everyday with phone calls regarding my past due balance even though I make my payments monthly. My car now has a bad transmission that will cost me over {$1500.00} to fix and I can not get a new car because I am still paying off this one. I signed my paperwork within seconds of deciding to buy the car and I did not realize that the {$9000.00} car I thought I was buying somehow turned into an {$18000.00} loan which has me paying off a {$27000.00} debt.
Consumer complaint received 2016-04-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Armed Forces Loans of Nevada Inc. (FL)

Armed Forces Loans has contacted my XXXX ( XXXX XXXX XXXX ) & gave information on an alleged debt. They also contacted me at work on 3 different occasion via phone stating the company name & other information on the alleged debt after I informed them the 1st time I was n't aware of a debt. The person who attempted to collect was a XXXX XXXX.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

I had disputed XXXX and XXXX with Equifax in XXXX 2014 and they proceeded to delete due to inaccurate information and improper reporting. Yet recently I have found these XXXX accounts on my file again. These accounts are outdated, inaccurate, contain incorrect dates and status ' and are not reporting correct payment history. They have no place being on my file if they refuse to conduct a proper investigation to correct them. I asked Equifax for proof of investigation and their results and paperwork regarding how they verified these and allowed them remain on my report and yet I have received nothing till this day. I am skeptical and certain that absolutely NO investigation was done to verify these derogatory marks. They must remove them if they can not honor my request to correct them and show me how they verified them and allowed them to be reported to my file. they are inaccurate and they are affecting my life very negatively!
Consumer complaint received 2022-04-03
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. (CA)

Compromised SSN My social security is being used by another person by the name of XXXX XXXX Compromised SSN SSN XXXX Date found on dark web XX/XX/2022 Additional info found with this breach Identity Information Drivers License Number : XXXX Drivers License Issue State : ct First Name : XXXX Last Name : XXXX Phone Number : ( XXXX ) XXXX Contact Information Address : ct XXXX
Consumer complaint received 2020-08-22
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. (FL)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act, I have right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a verification or proof of my mailing address but for VALIDATION made Pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, Experian ) this action might constitute fraud under both federal and state laws.
Consumer complaint received 2017-07-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CA)

On   XXXX   XXXX  , 2017, I contacted Sallie Mae using their phone number (  XXXX  ). I asked to be transferred to their Collection Department. I was hoping to speak with their collection department in the hopes of lowering my current monthly payment ( {$2100.00} ), which is beyond my means. I was hoping to hear options regarding how to lower, how much may be lowered, or any option available. Unfortunately I was told that the collections department could not help me until my account was delinquent. I do not understand why my account has to be delinquent in order to be provided payment lowering options. I do not wish to have my credit score, or the credit score of my cosigner impacted by letting my account go delinquent just so I can hear options to lower my payment. In short, I would like to hear options in lowering my payment, but Sallie Mae WILL NOT work with me until my account is delinquent.
Consumer complaint received 2017-01-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (WA)

This letter was sent to Freedom Mortgage after numerous verbal attempts to get them to reverse the late charges they assessed me. I sent them numerous proofs that I had made the XXXX and XX/XX/XXXX mortgage payments on time. 

XX/XX/XXXX Freedom Mortgage Re : Loan XXXXXXXXXX Mortgage Holder XXXXXXXXXXXXXXXXXX In XX/XX/XXXX, you notified me that I had not paid my mortgage payment on time. After this, I provided you with a copy of my XXXX bank statements for XXXX & XX/XX/XXXX. They showed that I had paid my mortgage payment on time in XXXX and XXXX through my online banking. I subsequently sent you a " proof of payment '' from my online banking account. 
When I made my XXXX payment, you applied it to my XXXX payment and then notified me that I was delinquent in my XXXX payment. After it became apparent that you were not going to process my XXXX payment, I voided it and sent you a replacement payment. 
If I had written you a check and mailed it to you, I would have no proof of payment on time. If the check was not delivered by the postal service, I would not know that until you informed me. 
If a payment check was misplaced or lost at your firm, you would consider me to not have made the payment. Obviously, I would not know that had occurred either. 
Neither of us can determine what happened to the online payment for XX/XX/XXXX. However, I have supplied you with proof that I fulfilled my obligation by making a timely payment of my XX/XX/XXXX mortgage payment. 
You charged me a {$110.00} late fee which you took out of my normal " additional principal curtailment '' payment. I would like that fee reversed and have the {$110.00} applied to my principal. 
Your refusal to do that would reflect very poorly on your business ethics. 

XXXX
Consumer complaint received 2021-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/2020 I mistakenly allowed thieves, representing themselves as employees of XXXX, remote access to my computer to fix a problem with authorization to XXXX XXXX. They used this access to instead enter online banking and steal {$1000.00} from my Fifth Third Bank account. I discovered what was happening and shut down the screen sharing they were using and contacted Fifth Third immediately. I worked with XXXX XXXX XXXX XXXX ) at the XXXX IL branch to file a Dispute ( XXXX ) on the same day as the theft. The Disputes Resolution Department at Fifth Third ( XXXX XXXX XXXX, MD XXXX, XXXX, OH XXXX, XXXX ) has denied my Dispute 3 separate times as I continued to complain. They consider the theft a " Valid Transaction '' though I am bewildered by this conclusion.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (WA)

Seterus Inc. A home loan servicing company, states that I have a deficiency of {$890.00} When I call their XXXX The people that answer have no idea what is going on. They say that I am behind on my impounds, but can not actually prove it. They continuously refer to the " Escrow account projections '' for the next 12 months. Yet my numbers clearly show that the payments I make more then cover the P & I as well as the impounds. When in actuality I have over paid them in the past 3 years {$350.00} towards impounds. After explaining this, they tell me that I have a deficiency from a couple of years ago. Again I ask for specifics and they can not supply them. 3 out of the 4 times I have called Seterus, the representative gets very short with me, treating me as if I do not know what I am talking about.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

My mortgage was sold in XX/XX/2020 from Ditech to Shellpoint. The new account instructions stated that any pending payments to Ditech would be credited to the Shellpoint account. My next two payments apparently went to Ditech and were NOT forwarded to Shellpoint. I have spoken with Shellpoint repeatedly, and provided bank statements showing that all payments were made on time, and requesting an investigation to trace the payments that were misallocated. While they continue to say they are investigating, they have reported my account as 60-90 days overdue for the past nine months while they " investigate '' in spite of the fact that I continue to pay each month on time. My credit score has dropped almost 200 points for this erroneous reporting, and I received a letter from Shellpoint threatening foreclosure. When I contacted the Point of Contact referenced in that letter, she advised it was a payment dispute, not a foreclosure issue and she could not assist me. I asked to be put in contact with the appropriate person and she only gave me the general corporate email account. I continue to try to reach Shellpoint regularly to learn the status of the investigation and they will not respond. 

Ditech, for their part, apparently updated their online records system and deleted my access to my online account as of the date the note was officially sold. They have no further information they can provide me and continue to tell me to request Shellpoint investigate directly.

Other creditors have cut my limits and closed accounts due to my current credit score, which is based solely on Shellpoint 's misreporting of my account as past due, rather than considering the two misdirected payments independently.
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (NY)

" I signed up for a trial membership at XXXX XXXX when I first arrived in XXXX. I went a few times during the first month, but after the trial period ended, I never went back. Apparently, XXXX XXXX continued to bill me and eventually charged me {$250.00}, which was sent to a debt collection firm called Aldous & Associates , PLLC. I believe this firm operates like a legal loan shark. I contacted them through the XXXX, but they told me they won't make any concessions. I'm aware that they probably bought this debt for around $ XXXX. I'm frustrated with both XXXX XXXX  for charging me for a service I didn't use and Aldous & Associates , PLLC for being difficult to communicate with and unwilling to negotiate. They have no email address for contact, and I didn't receive any response to my letter, only a message via the XXXX that never reached me. I don't want to communicate by phone because it's hard to prove anything later on. Ultimately, I want this debt removed from my credit report without making any payment. If that's not possible, then I want a reduction in the debt and a written confirmation from Aldous & Associates , PLLC that the debt will be removed from my credit report. ''
Consumer complaint received 2021-11-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

On XX/XX/2021, I received a credit monitoring alert that a hard inquiry hit my credit report from XXXX XXXX XXXX XXXX I immediately called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name. After speaking with a customer service representative, they informed me they would investigate it and have it removed. However, it is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries.

I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation. 

I have made an attempt to dispute this fraudulent inquiry with Equifax on XX/XX/2021 and they responded with the dispute results as of XX/XX/2021 that " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' However, this inquiry is NOT factual and I'd like it removed.
Consumer complaint received 2020-08-22
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: First Credit Services Inc. (NJ)

I have a loan with XXXX and 1ST CRD SRVC ( Original Creditor : XXXX XXXX XXXX XXXX NJ ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and 1ST CRD SRVC ( Original Creditor : XXXX XXXX XXXX XXXX NJ ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-22
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: Fidelity National Information Services, Inc. (FNIS) (MN)

XXXX XXXX XXXX located in XXXX, Illinois is reporting an unpaid account on my Chex Systems consumer report ID : XXXX, the unpaid account is a fraudulent account and is not my account. I never applied for or opened an account with XXXX XXXX XXXX. The unpaid account is a fraudulent account. I am a victim of identity theft and have a current police report on file with Chex Systems.
Consumer complaint received 2019-06-03
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: BB&T CORPORATION (SC)

I attempted to open an saving and checking account. Once the XXXX report was complete I was denied. I requested a copy of the report. The report indicates that Branch Banking and Trust reported account abuse on XX/XX/2018. The issue is that I have never opened an account with Branch Banking & Trust or BB & T. I would like to have this account verified in accordance to identity theft and or fraud regulations. Please remove this negative inaccurate information from my account. Thank you for the investigation and your time. 


Blessings
Consumer complaint received 2019-06-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

Last month on my mortgage statement there was the following note LENDER PAID EXPENSES Required expenses paid by Mr. Cooper on your behalf to another company ( e.g. legal or inspection fees ).  XXXX. 
I called Mr cooper about this expenses and they were unable to tell me what the fee was for. They told me that they would get back to my in written ( email ) about what the charges are for by the end of the month, that was at the beginning of XX/XX/XXXX so the said they would get back to me by XX/XX/2019. Today XX/XX/XXXX, I still have not received anything. I have called the company back today and sent me the follow PDF, that say they did a property inspection and legal fees. Why would I be responsible for these fees. My account is current, I had fallen behind but I may all of the back payment this past.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercedes Benz Financial Services (CA)

On XX/XX/2020 and XX/XX/2020 my bill for XXXX dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. Letters came to me only two months later.
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: International Computer Systems, Inc. (UT)

FIRST COLLECTION SVCS reported to the credit bureaus a debt that was involved in identity theft and fraud. They never sent a notice to me by mail of this debt which I know nothing about instead they went ahead and reported it to the credit bureaus without proper notice which in itself is a violation under the FCRA and FDCPA. 


They can retrieve the police report Police Reports REPORT NUMBER : XXXX-XXXX
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (VA)

Freedom Mortgage Corp - They keep sending me mail and I have to opt out to quit receiving their mailings. I NEVER Opted in. When I called their telephone number to opt out, they made it difficult to opt out, kept saying they did n't understand my voice commands to opt out,. These people are predators and need to be prohibited from conducting business. 

XXXX XXXX
Consumer complaint received 2017-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

Fedloan has been a nightmare to work with for several reasons : First, their website does n't give all information pertinent to the loan in question. I recently obtained a student loan for XXXX XXXX. The website stated that all prior loans were in forbearance and showed no interest owed on the subsidized loans. My classes ended in XX/XX/XXXX. Suddenly, in XX/XX/XXXX, interest showed up on the website dating back to XX/XX/XXXX when the program completed for each of the loans giving no chance to pay the interest as the loan progressed. This is fraudulent, in my opinion. If loan interest is being capitalized, it should be reflected on the website. <P/>The website automatically cancels direct debits while the loan is in a forbearance or deferment and does n't allow for payments to be made automatically during this time. Thus, the borrower must manually go online to make payments during those times. Meanwhile, no notification is made to the borrower that the payments have been ceased, so unless the person is actively monitoring the website, it 's impossible to know that the payments are n't continuing. <P/>Most recently, I submitted a request to change the account I 'm direct debiting my payments from as well as my wife 's account. I processed this request more than a week before my payment was due. A week AFTER my payment was due, I got a notification that I was late. The website currently shows that my wife 's next scheduled direct debit is XX/XX/XXXX for double the amount I requested. It also says there 's a manual payment being made in the amount of {$170.00} that is in process. <P/>Additionally, Fedloan will take sometimes up to a week and a half to complete a payment from an account. Meanwhile, the account is earning more and more interest. I believe this is also fraudulent. <P/>Also, as a note on the income driven repayment plan, my wife an I used it exclusively since XX/XX/XXXX when I graduated college. During that time, sometimes it showed that we owed payments of {$0.00} and gave us long periods of forbearance. To have the minimum payments automatically set to far below the interest capitalization is setting students up for failure. A couple of our accounts had accrued hundreds on hundreds of dollars in back interest during that time. It was n't until I began working in the XXXX XXXX that I began to understand exactly what was happening and started to take measures to correct it. This practice is unethical at best and should be illegal. I applied for the same repayment plan with XXXX ( XXXX XXXX ) and XXXX XXXX and neither of those providers gave a payment that was less than the interest owed each month. Even currently, my total owed payment on {$14000.00} with Fedloan is only $ XXXXmonth. That 's insanity.
Consumer complaint received 2016-01-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I went to my local Bank of America branch to open a checking account and was told they could not proceed with my request because my social security number was already in use by another customer. I went home and created a mySocialSecurity account online and verified there are no unidentifiable earnings attributed to my SS #, so no one is using my number for work purposes. I then ordered my free annual credit report and identified one, open Bank of America credit card account that does not belong to me with a historical high balance of {$5400.00}. Bank of America referred me to the SSA but since this is not a work/earnings issue there is nothing for them to do. How do I get Bank of America to investigate on their end?