davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
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: Specialized Loan Servicing Holdings LLC (FL)

My EX and I HAD a XXXX XXXX loan that initially was thru XXXX XXXX XXXX. Our loan got transferred to Specialized Loan Servicing ( SLS ) in XX/XX/XXXX. SLS did not have all of the documentation about our loan and past modification help, etc. 
We were in routine communications with them. They were aware tha we had an active contract for sale of the house. They kept sending the WRONG forms for us to fill out. 
We SOLD the house XX/XX/XXXX. The pay-off amount given to our mortgage company was dated for AFTER the sale date to ensure we would be paying the correct amount. 
SLS was paid in FULL for the loan, yet keeps sending bills for missed mortgage payments. 
I have emailed them, called them, sent them information. Each time there is communication, it is with a different representative, with differing information, and it seems like nobody has figured this out. 
I contacted our Title company and they said check was not returned and pay off amount WAS correct. They also said NOBODY from SLS contacted them regarding any possible discrepancy in pay-out. 
A SLS rep initially said the pay-out check was returned because it wasn't the correct amount, then later said it appears like it WAS the correct amount but unsure as to why it wasn't accepted! Not ONCE did I receive, nor my EX, any correspondence citing pay-out was in the wrong amount. 
My EX contacted XXXX XXXX, the originator of our loan, and they said the loan WAS paid off as well. They recommended filing a formal dispute. I emailed SLS 2-3 weeks ago. Nobody has resolved this issue. I was told a few weeks ago, after I kept calling them, that it looks like there's more money due because of the pending foreclosure process. 
I don't understand. We SOLD the house BEFORE it went into foreclosure. I communicated with SLS and their Foreclosure department in XXXX that house was being sold on XX/XX/XXXX. Neither my EX nor I have EVER received any bill reflecting this lack of payment. All we have received is the typical monthly statement/bill reflecting past monthly payments not sent in. 
This is still on my credit report as a balance of over {$300000.00}! That is NOT true. I can send a copy of the pay-out quote along with the CLEAR Title transfer if needed. Please help me get this rectified. 
During these ongoing economic conditions, the added stress of this is anxiety provoking and over-whelming. I don't know who else to contact. 
I called XXXX XXXX directly but got disconnected during the transfer. I then emailed XXXX XXXX but other than receiving an email citing someone would contact me, there has been no resolution or communication. I have NOT received anything still from SLS explaining why this is not resolved.
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

I applied for a modification, with NACA per NACA, Ocwen the mortgage holder is not honoring the chapter XXXX Bankruptcy charge off, and is refusing the modification, if Ocwen had problems with the Bankruptcy they were given the amount of time allowed, to do so. 
They ask for the RMA, they got it, any information they ask for they received it.
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

My Servicer is attempting to foreclose on my home, however I have a Satisfaction of mortgage that have been recorded in the County Clerks Office. Now my servicer has ask the courts to recind the Satisfaction, the Judge signed off on the erroneous Satisfaction on XXXX/XXXX/2016. I 'm now waiting for the county checks office to enter it into the records and send me a letter stating that fact.
Consumer complaint received 2022-10-05
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: Resurgent Capital Services L.P. (PA)

Credit bureaus fail to provide proper information to validate a alleged debt. XXXX, XXXX and XXXX violated my rights as a consumer. Pursuant to Us code 15 1692g.
Consumer complaint received 2016-09-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

I have an FHA loan with escrows. The loan servicing company failed to pay our homeowner 's insurance premium on time last year and our homeowner 's insurance policy was cancelled due to non-payment and I had to pay the premium out of my checking account directly to the insurance company to have the policy reinstated and this year they did not pay the flood insurance policy on time and I have had to do the same thing.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (FL)

I can't Nordstrom to let them know due to the pandemic covid 19 I might be late on some payments they told me they wouldn't be reporting late payments and I still got late payments I called them back and told me to call the credit bureau to take them off for me
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX, New Jersey XXXX department increased my child support payment amount by {$20.00} per month but did not make the change with XXXX garnishment operations. The result was a {$140.00} balance of which I was unaware. Probation indicated that the account is in collections on my credit report.
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

I made 2 different purchases with my cash app card for merchandise off XXXX that was advertising these different merchandise that I was interested in, after finding out they were fraud and trying to reach the companys with no luck for 1 and the other kept saying they were shipping it out from XXXX, after it was shipped I received notification and tracking number for XXXX after the package was sent to a mailbox in Texas or somewhere else I spoke with a rep for USPS and she made me aware that the package was sent to a bogus address and it weight less the 1 pound, after being made aware of the scamming sites I reached out to Cash App for my refund they have denied my claim every time I submit a claim
Consumer complaint received 2022-10-05
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: The Bureaus, Inc. (PA)

Credit bureaus fail to provide proper information to validate a alleged debt. XXXX, XXXX and XXXX violated my rights as a consumer. Pursuant to Us code 15 1692g.
Consumer complaint received 2021-02-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Payments to bank in XXXX and XXXX of 2020 were put into the wrong account. 
Was told it would be corrected in 24 to 48 hours and I would receive a phone call confirming. No phone call and no correction. I was also told a letter would be sent to credit bureau to correct my credit history. I was also told they knew it was the banks fault and my account would not be charged any late fees. I have repeatedly called to find out why the account had not been corrected yet and each person I spoke with assured me it would be. I asked for a 2020 transaction report and it showed several months of activity were missing and the interest rates were too high. That is the only way I knew I had received late payment charges when I called again to speak with a claims agent. I can't get my statement mailed out on time to make a payment, so I just have to send a check in with the account number written on it. This last payment never posted to my bank so I called and they said they had not received it so I made a payment on the phone and according to the transaction report, the payment went to straight interest and no principal. 
I have spoken with at least 20 different people that say they are sorry and they will get this fixed. It takes over 2 hours or more to even get done with the call from start to finish. My XXXX I need for taxes in incorrect. Of course because my account is still not fixed.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (PA)

Litton Loan Srrving collected morgage payments from me from XX/XX/XXXX TO XX/XX/XXXX WITH NO LEGAL RIGHT TO COLLECT AS RECORDED IN THE XXXX distric court XXXX XXXX XXXXRecording right to collect is mandated by Federal as Well as State Law Under XXXX XXXX LawwLittion Loan Servicng had 90 days to do this XX/XX/XXXX and failed to do so.. Under these Laws Litton Loan Servicing lost the right to collect. also Littiin Loan servicing has commited multiple. fradulent avts with this loan as documented by me with over a XXXX documents. How can Littin Lian servicing transfer anything after commiting fraud and not registering.plus Argent was not aloud to transfer this morgage under XXXX county court XXXX.
Consumer complaint received 2021-02-25
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: Mercedes Benz Financial Services (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX Card, MB Financial Services, and XXXX  XXXX. The Account Opened is XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is MB Financial Services Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I was advised by Well Fargo that XXXX XXXX, who made a mistake with my autopay, would not let XXXX XXXX take money out of my account. They reassured and promised me this. It is recorded. The next day, I had a XXXX balance in my checking account.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

OCWEN Loan Servicing LLC is at it again. 

I 've already had to file a complaint on them for changing our mortgage payment without notice XXXX XXXX 2013? XXXX. They complied and changed our payment to XXXX reflective of our loan terms and APR. 

Now they are attempting to do so again. They 've sent a document stating that our APR is the same, but our payment has increased by 243 %. How can this be?
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (NY)

Online fraud on XX/XX/2024. I needed XXXX customer support. I searched for the number via XXXX. I called the number that popped up but instead of XXXX, crooks answered. They showed me a fake record of my XXXX XXXX account with multiple ( fake ) fraudulent transactions. " First, we have to clean up these fraudulent charges, '' they told me, and I was hooked. From that point on, I stupidly followed whatever they told me to do, which included ; Sending all of my money $ XXXX a friend via XXXX. He sent it right back. But now the money was at XXXX. I stupidly bought XXXX and stupidly sent them to the addresses I was given. ( Did I mention that I was stupid? ) Sofi is " investigating. '' I'm worried that they will say that I made these transactions voluntarily and won't return my money. They said that they usually make a " provisional '' determination within 10 days but that period is long past. The investigation can take up to 90 days. I desperately need the money before then.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

this account is not mines and needs to be deleted from XXXX XXXX XXXX Acct # XXXXXXXX According to 15 usc 1681a ( 2 )  ( i ) this is a violation of my consumer rights. pursuant to 15 usc 1681e ( b ) ( c ) states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 


delete this from my report now
Consumer complaint received 2016-02-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C. (NY)

I paid XXXX in full in XXXX 2012 after they left defective exchanged mattresses, boxsprings on my sidewalk outside my building which is illegal in XXXX due to bedbug epidemic, I stated that I would take XXXX to small claims court if they did not reimburse {$500.00} I had to pay for immediate removal as they would not send drivers back to pick up. Also, originally XXXX 's claimed they did not receive returned merchandise, but that is because their drivers dumped on my street. After numerous calls to XXXX 's corporate, I paid in full and closed my account after speaking to corporate minus the {$500.00} I had to pay out of pocket. Now it has been 3 years and debt collector seeking original debt plus the {$500.00} I paid out of pocket and an additional over {$1000.00} in fees. This was paid and closed in 2012.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (FL)

Receivables Performance says I owe this debt from XXXX XXXX. This account was opened under Identity theft and fraud to me. They say it is connected to an address I never lived at in XXXX, FL. Date debt collection was opened with XXXX Credit Bureau on XX/XX/2020 for {$1200.00} and is also on XXXX XXXX. I ask for a fraud report packet to be mailed to me in early XXXX XXXXand as of today have not received it. So XXXX said I could go this route.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (VA)

I am being bombarded with phone calls from Navient! AND, I 've never had a student loan in my life! They have mixed me up with another person with the same name and the same city. I have asked them many times to remove my number to no avail. Please help me get this straightened out.
Consumer complaint received 2024-05-05
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (TX)

On pr around XX/XX/XXXX I was scheduled to get a payment from XXXX in the amount of XXXX. The money was loaded onto my XXXX XXXX but they locked my card and I couldn't get it off. I had no idea why and they said they couldn't disclose the reason. I tried to send them proof of my identity but the website they told me to do this at XXXX wasn't working and was down for construction. My rent was due and I had no other money. At the time I was living in an XXXX XXXX XXXX. I was evicted the next day and literally on the streets. This was XXXX years ago and I have yet to get the money. I have made contact with them hundreds of times until XXXX of the supervisers closed my account because she didn't like the way I was talking to her. My card is now expired but when I call U.S. Banks automative card service balance check its still says I have the XXXX XXXX balance. I called them 3 times in XX/XX/XXXX and one time XX/XX/XXXX and still i have not been able to find out anything. On XX/XX/XXXX i sent my XXXX I.D . and other forms of identification to them and they told me its not going to do any good because my accounts closed. They told me they would send the money back to XXXX but XXXX XXXX having any control over the money once they release it to the U.S. Bank I have sent complaints to various agencies to no avail back in XXXX.
Consumer complaint received 2023-04-05
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX  - Account number # XXXX XXXX XXXX-Account number # XXXX XXXXAccount number # XXXX XXXX  XXXX -- Account number # XXXX FINGERHUT-Account number # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX-Account number # XXXX XXXX XXXX XXXXAccount number # XXXX XXXX XXXX XXXX-account number # XXXX XXXX & XXXX XXXX XXXX number # XXXX XXXXXXXX XXXX XXXX-account number # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I am filing a complaint for falsification of NEW information for the direct intent to upset and annoy me. This is classified as the definition of harassment. 

Anyone who places calls to deliberately upset, annoy or threaten the victim may be guilty of phone harassment, which is a form of bullying. Phone harassment may be a one-time call or a series of calls. 

I kindly made an outbound call TO Navient on XX/XX/2022 at XXXX, lasting XXXX XXXX, XXXX. The Purpose of the call was to ( 1 ) return Navients Representative XXXX phone call from XXXX and ( XXXX ) to clear up XXXX emails that I received from Navient that were in direct conflict with each other. 

Again, I kindly tried to work out miscommunications with Navient, however, I received additional, new conflicting information, from Navient Representative XXXX XXXX. She has been with Navient for five years. The information she relayed to me didnt even match the Navient emails, or, my approved IDR from studentaid.gov from XX/XX/2022. 

This was the new information that was verbally stated, although, I have spoke to Navient verbally numerous times in XXXX  I, XXXX XXXX XXXX, have never heard a Navient Representative tell me the following information. 

[ XXXX XXXX stated, XXXX we emailed you in XX/XX/2022, however, you failed to respond to renew your IDR. XXXX, your IDR is not active because, you, XXXX, failed to recertify. ] Why would I recertify in XX/XX/2022, when I have an already approved XXXX from XX/XX/2022? I uploaded XXXX the complimentary copy of the approval XXXX from XX/XX/2022 to XX/XX/2022 into my logged into Navient account, with system confirmations. 

The following information was received by Navient and is confusing. I uploaded real facts, the actual emails, into my complaint. 

I realize I have several loans. All my private loans are paid off. My educational loans are with another lender. I only have federal loans with Navient at this point, or should. 

[ Received XX/XX/2022 by XXXX XXXX  navient.com Total Payment Due for XX/XX/2022 is {$0.00} ] Received XX/XX/2022 by XXXX XXXX navientXXXX  Total Payment Due for {$210.00} on XX/XX/2022. ] [ Received XX/XX/2022 by XXXX XXXX Navient Received Payment, But ] [ Verbal Communications by XXXX XXXX We need to set up another payment option. You never recertified your IDR in XX/XX/2022 ( although, I already did in XX/XX/2022. ) ]
Consumer complaint received 2019-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (NJ)

all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full. 
XXXX XXXX card : XXXX - available : # XXXX XXXX card : XXXX -available : {$10000.00} XXXX card : XXXX - available : {$8900.00} XXXX XXXX card:XXXX- available : {$9000.00} XXXX card:XXXX available : {$5200.00} XXXX XXXX card:XXXX-available : {$1000.00} XXXX   card:XXXX-available : {$6000.00} barclays XXXX available XXXX Please help me
Consumer complaint received 2015-08-31
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK (IL)

I have become between 30-45 days late on my auto loan. Gateway one is attempting to collect the debt. I spoke with a supervisor, XXXX XXXX today who told me my only option was to pay {$470.00} today or my account would be out of his hands and reviewed for other action. I offered to make a payment dated for Friday XXXX a mere 3 days later and was told that is unacceptable. XXXX was vague and dismissive regarding what the next action would be.