davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (MT)

Navy Federal Credit Union has issued XXXX loans in my name to my spouse. I discovered these debts in XXXX XXXX. I am currently pending a divorce and have filed a criminal complaint against my spouse for forging loans and taking credit cards in my name ( total XXXX accounts at approx. {$160000.00} ) and filed a divorce in XXXX XXXX in Montana. Navy Federal 's loans issued in my name have helped to destroy my credit rating and I am in their collections department for a loan that I did not authorize to be taken out or take out. I have reported to Navy Federal Credit Union that the loans are fraudulent and forged as I never authorized them or signed them or gave signature authority to my spouse or anyone else to take them. I have provided affidavits to Navy Federal Credit Union telling them of the fraud they will do nothing and are coming after me in collections. I obtained the XXXX forged promissory notes from Navy Federal Credit Union in XX/XX/XXXX, XXXX XXXX and XXXX XXXX. I can not get any assistance from them and they claim that the loans are not fraudulent. 
My Criminal statue for Felony Forgery is still active from date of discovery and so is my civil statute. I am using my rights on both ... criminal vs. wife and civil against wife. I also will be filing civil suit vs. Navy Federal Credit Union for their part in my financial destruction. 
In Divorce actions I am required to maintain assets and payments until court decides the action ( economic restraining order ) so I started paying from my account on the vehicle loan in XXXX XXXX. Very easy to prove and Navy Federal will show that I have been paying XXXX per month since XXXX XXXX. Other than that I have never made payment on any of the loans as I did not know that they existed.
Consumer complaint received 2015-09-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

We filed for a home affordable modification with SPS -Select Portfolio Servicing and were approved we made our trial payments on time in the amount of {$1200.00} for all XXXX months they were due. Now XXXX comes and our XXXX payment after trial payments is due. According to our Modification paperwork we had no escrow shortage and the payment due was to be {$1200.00}. I called to make the XXXX payment today and I am told my payment amount due is {$1500.00}. So called back to question the payment and I was told that this was unusual, XXXX XXXX XXXX whom I spoke with stated that normally the XXXX payment is the payment agreed to in the modification and usually they do an escrow analysis about two months after the XXXX payment is due. It could possibly change how much I owe, but not til about XXXX or XXXX. He researched our documents and could not find any reason why our payment changed and also said there was no analysis done and that we received no paperwork to show any changes which according to RESPA I am to be made aware of in advance. Now I was told to make that payment of {$1500.00} or my modification would not be finalized. This is not what we signed a legal document stating and I want to get help to see if they are trying to scam me or get more money than owed. Can you please assist.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Dear Sir/Mme : This complaint is related to the XXXX you have under # XXXX ( against XXXX XXXX .This complaint is against Select Portfolio Servicing Inc the alleged mortgage servicer.Am currently in bankruptcy ( ProSe ) .My adversary case # XXXX XXXX the Judge granted the Motion for Lift of Stay & I received the order yesterday.The lawyers forXXXXBank and Select Portfolio Servicing Inc are XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX .The lawyers send in a Proof Of Claim ( XXXX XXXX ) with a purported note endorsed in blank by XXXX XXXX for XXXX, XXXX XXXX Thru various depositions XXXX XXXX stated she was laid off in XXXX. My loan closed XX/XX/XXXX.Recently another case that was ongoing for 5.5 years : XXXX XXXX XXXX XXXX XXXX XXXX reported that 90min before Trial XXXX Voluntarily dismissed the case with prejudice, as the case somehow implicated that XXXX used a rubber stamp with XXXX XXXX XXXX name & endorsed XXXX 's XXXX appears that XXXX 's XXXX loan '' closed about XXXX XXXX XXXX. 
In my case Select Portfolio Servicing Inc " claims '' that my mortgage loan was securitized into XXXX Thru Series XXXX another case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX there is a XXXX XXXX Order/opinion ( by Judge XXXX XXXX XXXX that has a listing of XXXX Trust that investors sold-latest XXXX XXXX and since XXXXBank did not merge Trustee business till XXXX XXXX Trust were not transferred to XXXX Bank as they were sold prior to the merger of XXXXBank with Bank XXXX pass Thru Series XXXX was named as one of those XXXX Trusts. Further from either XXXX or other website when XXXX-surpise : ... '' no transactions in past 12 months.. '' My bankruptcy case is going to be dismissed on XX/XX/XXXX-I probably did not do something right.And now am facing imminent foreclosure by parties that are Not the real parties in interest.It is Theft. I do want to pay the true Beneficiary and holders in due course of my mortgage. 
Thank you for your time. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, my name XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX. I would like these negative items removed from my credit report. They are impacting my credit score. They don't not belong to me. I don't know who they belong to. I just want them removed.
Consumer complaint received 2016-11-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC (NJ)

To whom it may concern, My name is XXXX, I have been scammed by this company Core Advisory Group who promised me that they can help me stop my foreclosure which was scheduled for XXXX XXXX, 2016 and the property went into auction on XXXX XXXX, 2016. Prior to contacting them initially, I received a very promising mail postcard that stated, they can stop/postpone my foreclosure and that I am eligible to a be plaintiff to file a federal lawsuit against my lender XXXX XXXX, and they can reduce my interest rate down to 2 % plus and also be awarded for monetary damages. I called their toll free number and spoke with XXXX XXXX who had explained to me the process so I signed up with this company back on XXXX XXXX, 2016. I paid this company a total of {$2200.00} which included a {$120.00} for their notary service. Everything that they had advertised was all lies and deceit to get me to call them. They promotion about their XXXX XXXX XXXX XXXX where they file complaints against banks to force these banks to give better negotiation terms and stop/postpone foreclosures are n't true. I feel this company have misled me into thinking they can help me but it turns out they ca n't and there was a new change that went into effect on XXXX XXXX, 2016 with my FHA loan that made it impossible for me apply for a loan modification because I am too severely past due, this is something this company should had known from the beginning but they still took my money. This company should have never taken my money upfront if they knew they could n't help people like me. I want my money back. Their program is grossly misleading and now I am out of {$2200.00} plus my home has already been auctioned off. I could had used that money for my moving expenses or hired someone else who knew what the XXXX they were doing but I fell for their promises that they ca n't deliver, and their final attempt to help me was to have me file for bankruptcy or convert me into their eviction defense program which is another way to convince me to allow them to keep my money. After my house was sold on XXXX XXXX, 2016, this company with no sympathy to my pain and embarrassment that I am about to face, went ahead and deposited my check of {$740.00} on XXXX XXXX, 2016. According to the FTC ( XXXX ) rule this company has collected illegally fees upfront before providing me any relief with my mortgage. I hope this is a lesson learned for them to stop this kind of illegal practices and giving people false hopes by lying to them so they can take people 's money that is criminal. I did cancelled with them and asked for my refund but they only offered me {$450.00} out of the {$2200.00} I had already paid them. In desperation I agreed to the amount but they still have n't refunded that amount and its more than 45 days now. This company is a scam and should be shut down.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i. 
In response to my dispute regarding the account XXXX XXXX ACCOUNT # XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate. 
According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The reporting of these account ( XXXX ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated. 
I hereby request the immediate deletion of this account from my consumer reports. 
Enclosed, please find a copy of my identification and a recent utility bill for verification purposes. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-04-26
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: Diversified Consultants, Inc. (GA)

Credit companies deletes my collection for  XXXX   XXXX   XXXX ,  XXXX  and   XXXX    XXXX  but then adds it back with a new date.
Consumer complaint received 2016-09-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Since Bank of America caused to be recorded the XXXX XXXX, 2016 Notice of Default ( NOD ) and Election to Sell with California Declaration and a separate Substitution of Trustee I have had to fend off all manner of folks coming to my home, sending a multitude of unsolicited junk mail, and telephone solicitation contact all related to the bankruptcy, foreclosure and real estate industries. I have has to take steps to prevent these people including, but not limited to, Bank of America representatives, from harassing me, trespassing upon my property, invading my home and life. I have even had mail addressed to persons affiliated with the banking and real estate industries with my home address and their name to portray and seem as if they actually reside in my home as early XXXX 2016. It does n't seem to matter one bit to these folks that the NOD was executed in error.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

IVE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I REQUESTED FOR THEM TO PROVIDE ME WITH THE DOCUMENTS USED TO TAKE OUT THIS CONTRACT/AGREEMENT IN MY NAME. THE DOCUMENTS USED TO VERIFY MY IDENTITY. I DID NOT GET THOSE DOCUMENTS WHICH IS MY RIGHT WHEN REQUESTING FOR A DEBT COLLECTOR TO VALIDATE DEBT. EVERYTIME THIS AGENCY CALLS, THEY HARRASS AND RESPOND TELLING ME YOU KNOW YOU OWE THE DEBT. INSTEAD OF PROVIDING ME THE DOCUMENTS REQUIRED WHEN REQUESTED UNDER THE LAW. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. IVE REQUESTED FOR XXXX AND EQUIFAX TO COMPLETE AN INVESTIGATION AND VALIDATE THE DEBT. THEY HAVE YET TO DO SO, I ASKED THEM TO MAIL ME ALL DOCUMENTS USED TO VERIFY THIS DEBT AND PROVIDE ALL DOCUMENTS USED TO VERIFY THIS DEBT FROM THEIR INVESTIGATION. THEY HAVE REFUSED TO DO SO AND HAVE YET TO VALIDATE THIS DEBT. THEY ONLY TOOK THE DEBT COLLECTOR AT THEIR WORD. THESE TWO CREDIT REPORTING AGENCIES DO NOT REVIEW ALL FACTS AND DO NOT COMPLETE THOROUGH INVESTIGATIONS. THEY ALSO DO NOT PROVIDE THE RESULTS TO THE CONSUMERS IF THEY DID NOT FOLLOWING THE LAW. I AM FINALIZING A REPORT REQUESTED BY THE CALIFORNIA DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION WHILE THEY INVESTIGATE THE TACTICS OF THIS DEBT COLLECTOR AND THE CREDIT BUREAUS. THE AGENCY HAS TOLD ME INVESTIGATORS WILL BEGAN INVESTIGATING IF THERE IS NO FAVORABLE DECISION FROM THIS REPORT. IF THEY LOOK AT MY ADDRESS ON MY ATTACHED PGE BILL IT IS NOT THE ADDRESS WHERE THE ACCOUNT WAS OPENED
Consumer complaint received 2016-04-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has refused to put me in contact with the " single point of contact '' assigned to my account and has refused to discuss options within a reasonable time frame for resolution on a mortgage to a property I no longer intend to keep. The loan was current when I asked for cash for keys or similar solutions. Now the home is three months past due, occupied by vagrants and squatters and sits in ruin. Still no call from the appropriate person at Wells Fargo and continued unnecessary damage to me credit. A resolution is demanded as of three months ago, and WF remains uncooperative.
Consumer complaint received 2015-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I applied for assistance with my lender on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork to my lender Bank of America. I confirmed Bank of America had my full and complete application and all financials ( See letter attached dated XXXX/XXXX/2015 ). Bank of America then recorded a Notice of Sale against me on XXXX/XXXX/2015. I am told per RESPA-Mortgage Servicing Regulation X XXXX, my lender is not supposed to move forward with foreclosure if I have an application submitted 37+ days prior to a any sale date. My application qualifies within that time period and I feel my servicer illegally recorded a notice of sale against me and is therefore is now " Dual Tracking '' my foreclosure process. I am currently under review for a loan modification. The most recent letter ( Attached ) states I have until XXXX/XXXX/15 to provide additional documentation. Although I have already submitted this paperwork on XXXX/XXXX/15, how am I going to comply if I now have a sale date hanging over my head for XXXX/XXXX/2015??? I feel I qualify for assistance. My attorney says I qualify for assistance. Bank of America 's actions seem to violate RESPA Reg X ( XXXX ).
Consumer complaint received 2015-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

I have request for this company to validate the debt that they claim I owe and they have failed to provide me with any supporting documents. Again, this violates my rights as a consumer.The FCRA, is very clear with that any consumer upon request is entitled to full validation of debts they are accused of owing. I will be contacting the XXXX Office as well as the FTC at this point. This is a violation!
Consumer complaint received 2021-03-28
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: Atlanticus Services Corporation (IL)

Fortiva XXXX XXXX, XXXX XXXX XXXX, AT, GA XXXX incorrectly included me in the population of their customers who received hardships due to COVID-19 pandemic. When I called to inquire about why I had received this letter and was included in this population when I paid off my account and told them to close it immediately, they kept reading a scripted response and refused to answer my question. I asked them to remove me from this population given it was incorrect and received no response. I did not receive any assistance from them for CoVID hardship.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY (IL)

I lost my job while I was in college and stopped paying on my Wells Fargo Credit Card. Once I found a stable job I called them to set up a payment arrangement that would end in the derogatory account being deleted from my credit report. I did this same process with another company that also agreed to delete the account but didnt. So, I set up this payment arrangement and paid for 6 months, Fast forward 4 months to now, they have acknowledged that I owe no more money on this debt, however it is still reflected on my Credit Report. It is super frustrating that months later after they took my money that they have drug their feet on rectifying the situation on my end. I am very unhappy since it was me who initiated this agreement only for it to not be honored on their end.
Consumer complaint received 2017-03-12
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (OH)

I was basically duped into thinking I 'd be able to get a job with my XXXX degree after graduation. My school refuses to hire me. I reached the student loan cap, so now I ca n't even go back to school for a useful degree. On top of that, Navient, which used to be XXXX XXXX, so I 'm pretty sure I did n't sign a contract with Navient, keeps sending me emails and ruining my credit score yet when I attempt to contact them on their website, my personal information is " wrong '' and when I called about it, the person on the phone said that was n't his job. Well I 'd like a job.
Consumer complaint received 2015-08-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Called XXXX XXXX XXXX. about a collection showing on my credit report. Found out it was in my husbands name for a medical co-pay. My name was not on debt or insurance, but they placed on my report and will not remove, even if I pay it. I looked at FCRA and believe this is illegal.
Consumer complaint received 2015-08-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I submitted a complaint ( XXXX ) over a year ago and I just in the process of checking on a complaint I submitted regarding XXXX XXXX XXXX and I accidentally logged into this site and found XXXX and two other complaints in the Check The Status of your Complaint link. This is the first time that I am seeing XXXX in this list and I reviewed when I saw you had it listed with a Status of Response Not Disputed. 

If I had know that XXXX was listed here and could have responded and that I was able to dispute the outcome, I would have responded a long time ago. None the less, I am here now and wish to dispute the outcome with the following response : After now being aware of this XXXX here at this site ( list ) and just ( XX/XX/XXXX XXXX reviewing XXXX, I have the following update on what transpired and that led to me having my home, that I paid for CASH, stolen from me by the crooked ways of the COURT and the ATTORNEY who represented the HOA ... all resulting from BOA not informing me they stopped all foreclosure actions in XX/XX/XXXX. 

The final judge admitted during the second to last time I went to court on this, that a prior judge, early on in the case, should have NEVER allowed the HOA 's CROSS-CLAIM to join BofA in the case, to be granted and that at that particular point, I should have been informed that BofA dropped the case and therefore there was no way for the HOA to join the case. She also stated in that hearing that this entire case was a mess and needed to be UNWOUND and that she was going to review the entire case and we would have a subsequent hearing to do the UNWINDING. 

I immediately borrowed money and retained an Attorney ( Crook ) and at that subsequent hearing it was obvious that the HOA XXXX via their Attorney crook ) and the other Attorney ( crook ) representing the now new owners ( thieves ) of my home, had long discussions, without me or my attorney and came to UNDERSTANDINGS. When I finally got into the room, all of a sudden no one had anything to say about the UNWINDING and all I was told ( by the same female judge ) was that she was unable to overturn the prior judge 's ruling, because he was a Senior Judge and she did not have that authority. So they allowed the HOA and the now owners to STEAL my property as I described in the initial complaint XXXX. 

This THEFT was allowed by the inept work of BofA in not informing me, that then resulted in the CROOKS working for the COURT and the HOA via their attorney, who were fully aware that BofA had dropped the case, to STEAL my home ( FULLY PAID FOR with CASH WHEN I PURCHSED IT ) and sell it for peanuts to the now, also crooks, new owners. 

This has ruined me and my family in many ways, the most damaging being the education of my children, not to mention MANY, MANY other financial issues that have resulted. 

I am owed {$420000.00}, the value of my home that was stolen from me!
Consumer complaint received 2015-10-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (PA)

I settled this debt directly with Chase Receivables. I disputed the collection with XXXX explaining that I had previously settled the debt. They continue to report a balance on my credit files in violation of the Fair Credit Reporting Act.