davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MN)

We got too many modifications and we got a notice of for XX/XX/2016 is {$1000.00} we have XXXX days to pay for the default by XX/XX/2016 .we were dealing with XXXX from specialized loan servicing, our a point of contact was XXXX XXXX customer XXXX department .back in XX/XX/XXXX I went to XXXX on a short notice because the doctors have given my sister XXXX months to live and at that time we were going through a modification I got a phone call from my husband and he told me miss XXXX said we did n't have to make the XX/XX/XXXX trial payment so my husband did not make XX/XX/XXXX trial payment then we got a letter from specialized loan servicing saying we had until XX/XX/2016 of {$1000.00} otherwise we will be foreclosed.Also they told us Miss XXXX is n't our point XXXX contact anymore.We would like to know why so many modifications? Also XXXX Bank is our third XXXX XXXX
Consumer complaint received 2015-07-30
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (IN)

I have been paying the mortgage since my mother died, on our house. and left the mortgage in my fathers name, out of respect to him, for at least XXXX years ... in XXXX I refinanced to help with my dads medical bills with XXXX ... the state raised our prop tax and my mortgage and escrow was " estimated '' at an insanely high rate and it put me in default ... to save my XXXX father from being thrown out of his home in his XX/XX/XXXX. he filed bankruptcy ... it was discharged in XXXX XXXX after he died ... .He had a living trust ... naming me as the executor of the estate, his power of attorney, and I am on the deed to the property. 
I was then in the process of finalizing the application papers for a PIR/modification when XXXX sold me or dueltracked me in XXXX XXXX to a company called SLS ... .who told me that they were a mortgage company that now owned my mortgage ( that was a lie ) ... and I was then forced to start all over again ... meanwhile they were adding fees, fines and lawyers fees onto my mortgage to the tune of and additional {$20000.00} and counting!!! 
I worked with all the Fed agencies with SLS but SLS kept asking for more docs ... Finally I hired a real estate attorney and together we have given SLS all the docs they would have received from XXXX but wanted more and more. In XXXX XXXX, I asked them for the name of their law firm when they informed me I was 'flagged for sheriffs sale, '' even though we were going thru the modification process ... .I then called their attorney ... XXXX., and spoke directly to their lawyer who verbally and with a letter, assured me my house would not go to sheriffs sale, while we were in the modification process ... they lied again ... In XXXX I got a notice in my mailbox from the XXXX Co sheriff , that my home was slated for auction on XXXX XXXX XXXX!! 
SLS has continually lied to me about who they are, and have done everything to block me from the modification process.. 
They along with XXXX have duel tracked my mortgage and also are in direct violation of XXXXPlease help me ... no American should have to b subjected to these blatant stalling tactics and violations. 
I am trusting that you will find them in violation with an appropriate lawsuit action and demand that SLS comply with the Federal guidelines that allow me a modification/pir that I am more than eligible for and meet the qualifications that they are blocking me from and piling on more fees, fines and lawyers fees. 
Thank youXXXX XXXX XXXX
Consumer complaint received 2023-09-08
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been attempting to refinance my home for over two years. The servicing company select portfolio servicing has been giving me the runaround consistently for this entire time. I have submitted and resubmitted paperwork in various forms for them over and over again with no true excuse as to why they were needed submitted in another manner. They hide behind " the program requires that we ... '' And continue to ask me to provide different information. Frankly, I am uncomfortable that they do not even own the right to collect my mortgage and have contacted them requesting a QIR. I have done so by certified mail and they have not met their obligation of even answering this request. They have however sent me a paid off quote that I did not request. This was a predatory loan to begin with, and I am trying to resolve the XXXX that I have been feeling for several years.
Consumer complaint received 2015-10-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Federated Capital Corporation (TX)

Was made aware of a Writ of Garnishment on all financial accounts with my SS # tied to, that are legally exempt from garnishment by a law firm called XXXX XXXX. After contacting them, it 's in regards to a judgement that was issued by falsified documents, improper service, and no evidence that I was even the account owner. I was never made aware of a judgment and they have done everything they could to hide documents so I would n't know all the details. I was able to get into the courts records of the case against me and was able to find these improper documents they used as " evidence '' against me without my knowledge. The account that they used in an attempt to extort money from me illegally, was a charge off by XXXX bank back XX/XX/XXXX. According to this, the first delinquency would have to have been nearly a year prior to that. Even with that date, this account would have been considered " time-barred '' and a legal suit against me could not happen. Hence why they tried to circumvent Texas law, where I have lived my whole life. I have all the court documents pertaining to this issue now. I received notice XX/XX/XXXX a hearing XX/XX/XXXX to object to the garnishment and I 'm having difficulty getting a court clerk to call me back to set up a telephone conference seeing that I do n't live in Utah and do n't have the ability to appear in person. I 'm actively trying to find a way to have this judgement set aside now, but my funds are limited and the time constraints in my response are short before my protected funds are handed over to these crooks permanently. They only took about {$1000.00} all together, but over {$800.00} of it was from my XXXX daughters account. Because of Texas law, I had to be listed on her account because she is a minor. I 've taken steps to protect her from future issues that may arise, but she deserves to get her hard earned money back. We just do n't have the money available to us for legal counsel. I 've also done research on Federated Capital Corp and there is a website that specifically addresses my exact issue and this is a common practice with them. Also, the attorney 's in question, keep changing who they are affiliated with. One day its XXXX XXXX, the next it 's Federated, and then yesterday I find out that their email addresses are XXXX XXXX. How is this legal and who are they really? According to Texas XXXX XXXX, this would n't be acceptable and is highly suspicious and unlawful. I 'm just hoping that someone will come in and speak up for all of their victims and do something about this. I 've currently filed a identity theft report with my local law enforcement agency, # XXXX ( has n't been made available to attach yet XXXX, and I 've filed a complaint the the Texas Attorney General office as well.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

THIS IS THE XXXX COMPLAINT THAT I MADE TO THIS AGENCY AND TOTALLY IGNORED AND MAKING THE COMIUNICATION IMPOSIBLE TO DISPIUTE THE CONELCTION AGENCY FALSE RESPONSES IN THIS SITE THE DOCUMENTS CAN BE ATTAACHED I AM UNDER A FRAUDULENT FORECLOSURE PRACICES DUAL TRACK BACK DATED MAIL AND DECEPTIVE PRACTICES FROM THIS SERVICING AGENCY ON MY LOAN AND YOU ARE WORKING ON BEHALF OF THEM SINCE THE COMINICATION BETWING YOU EN THEM ARE A SECRET COMIUNICATION HIDING FORM ME
Consumer complaint received 2018-03-18
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 — Problem with personal statement of dispute
Company: AES/PHEAA (WI)

During the time period my student loans became past due, I had been experiencing some inconsistencies/glitches with the AES website that made it unclear what payment was due. I had made attempts to log on between XX/XX/XXXX and XX/XX/XXXX and at times the website showed that either a zero balance was due or only {$19.00}. There were also attempts to log on that resulted in the message Were sorry - an unexpected error occurred. I have attached screenshots of examples of this. This was confusing as I was used to to seeing payment due in the {$250.00} dollar range. I would greatly appreciate the removal of the negative credit reporting that is listed as 60 days late for all 5 of my loans. I am applying for a home loan in XX/XX/XXXX and will not be approved without these removed.
Consumer complaint received 2015-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: M&T BANK CORPORATION (TX)

We have " Old '' XXXX bonds in our IRA accounts. 

There have been some disappointing distributions. 

We fear that the choice of the Wilmington Trust to represent the bondholders ( we had no input ) is another political mistake. 

Wilmington Trust appears to be interested in drawing out the liquidation process and making huge fees from those of us that have already taken a loss. 

Please investigate what is going on ( or not ) with the " Old '' XXXX liquidation and distribution process. 

We are still waiting on bondholder distributions while Wilmington & XXXX liquidate XXXX securities that should be given to the bondholders. 

Order Approving Motion to Liquidate Securities, Use Dividend Assets and Extend the Duration of the XXXX XXXXOn XXXX XXXX, 2015, Wilmington Trust Company, as Trust Administrator and Trustee, filed a motion with the Bankruptcy Court for the XXXX District of New York seeking entry of an order ( i ) authorizing the XXXX XXXX to sell certain New XXXX XXXX ( and use dividend cash received in respect of such New XXXX XXXX ) for the purposes of funding projected costs, fees and expenses of the XXXX XXXX, and ( XXXX ) extending the duration of the XXXX XXXX. The motion was approved by order of the Bankruptcy Court on XXXX XXXX, 2015. A copy of the motion and order can be found here. 

It is sad that there is no oversight by the administration to insure that bondholders get paid. 

Please see what can be done about getting payment for XXXX bondholders. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX / Home
Consumer complaint received 2015-04-18
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XXXX 2015, Capital One restricted my credit card account without any notice. I called Capital One multiple times but even their fraud agents could not open my account and see the details. I was told that my account was restricted by " XXXX '' of the legal but no other details. They said the account was completely restricted and I could not even make a payment because of the restriction. The " XXXX '' never contacted me and let me know the reasons. 
There were NO Capital One notices in any form to me to notify me that my account was restricted and for what reasons. 
Now my account was pass-due because I could not see the account details and could not make a payment because of the restriction. My credit was seriously impacted and I had credit limit decreases from other credit card companies. I lost XXXX on my credit score.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-01
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. (TX)

I am upset about things I still see on my credit report that does not belong to me I have disputed these items and they have came back verified and I requested that they send me the information that they used to verify these items and it has been over 60 days and I still have not received the information I requested.
Consumer complaint received 2016-12-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo website advertising Streamlined Refinance Considerations You must be an existing Wells Fargo Home Mortgage customer. 
You can not do a cash-out refinance or a refinance requiring a title change through the streamlined refinance program. 
I have Adjustble 30 year mortgage, nohwere on wedsite including small print indicated what type of loan is qualified for streamline refinace at now cost, I was rejected becouse my loan was not qualified. 
This is False advetising by Wells Fargo to attract phone calls for W.F mortgage depatment
Consumer complaint received 2016-10-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo branch in XXXX, PA XX/XX/XXXX/XX/XX/2015 opened accounts under the false pretext of saving me account fees. Since then they have collected fees of {$170.00}. Part of the " deal '' to avoid fees was an XXXX XXXX Credit card which I never authorized a transaction on and I now show fees of {$46.00}. 

I want {$22.00} returned to me immediately and all charges past and future wiped out. I want to cancel XXXX and the Business account and all fees repaid. 

Further, just a comment on Wells Fargo and the other large banks. We need convictions and long jail sentences for bank executives.
Consumer complaint received 2017-03-09
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX I sent the money to incorrect account number via Wells Fargo to XXXX bank.I registered my employee information ( name route number account number ) on direct pay registration.3 days later Wells Fargo verified the registration and I sent the money on XXXX.A few days later I found that I missed XXXX number ( employee account number is started with XXXX and XXXX digit ) and registered only XXXX digit.I stopped by Wells Fargo and XXXX so many times and report this matter. It is not solved until today.
Consumer complaint received 2017-08-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Triton Management Group, Inc (SC)

X/XX/2017 Always Money, XXXX, SC. Today we were point blank told " we can legally call you 3 times a day ''. This is in fact a LIE and not the first time this company has LIED to us about the account. As far as I am concerted this is excessive calling and harassment Always Money calling 3 times a day causes stress and conflict.. Always Money is in violation and we need help.
Consumer complaint received 2016-10-07
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Onity Group Inc. (MO)

I 'm a widow and my husband was the major income contributor in our family. I tried to get help form Ocwen before I could no longer make the payment. I filled out the Hardship paper work and sent it in. I was contacted by a representative and he told me he would be my point of contact. He said I was missing some paper work so I got it together and sent it in. Three weeks later I hadnt heard form them so I called, Long story short I had been assigned to a different person and they had not recieved the paper work. This happend for the next couple of months until they said the information was too old I needed to start all over again. 

I was behind on my mortgage for a few months but I got it caught up in XXXX 2016. Now they are calling me everyday about when I am going to pay XXXX payment and it is not late until the XXXX of the month.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Regarding Bank of America. BOA still shows 30 day late payment in XX/XX/XXXX. 
The payment was made via phone via auto bank account withdrawal. 
i personally called BOA via their XXXX XXXX # and made the payment via phone as i did every time. 
I had this credit card since XXXX and made every single payment on time for 12 years. 
i requested my phone XXXX and XX/XX/XXXX records from 6 years ago and they clearly show the XXXX XXXX # called timely. I do not why the payment did not go through is it that impossible to believe a computer error occurred.. i made timely payment for 12 years. 
This late payment is the only negative mark on my credit. 
I have sent BOA he phone records. and even called multi times in vain. 
Instead of asking courteously and providing back up evidence, I should ask my 10 year nephew how to post on XXXX of my experience and how BOA really treats the customers and let millions of person truly know how they treat hard working honest citizens.
Consumer complaint received 2022-02-14
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. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion  has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-14
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. (OR)

I have XXXX XXXX  XXXX credit cards that were put in the bankruptcy in XX/XX/2017. The credit reporting agency reports these as missed payment even though I was never late on these cards. I have been denied credit due to the credit reporting agencies inaccurate statements on my credit report.
Consumer complaint received 2016-04-05
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CURO Intermediate Holdings (TX)

XXXX XXXX XXXX a collection agency trying to collect a debt for XXXX who I had filed chapter XXXX bankruptcy on in XXXX 2014, that debt was XXXX on XXXX 2014. Both company knowingly it was XXXX and can not be collected but still trying to do so. XXXX XXXX XXXX illegally reported incorrect information on my credit report and damaged it. They have violated chapter XXXX XXXX bankruptcy code. They need to remove the collection off my credit report immediately. Thank you
Consumer complaint received 2016-03-14
Product: Payday loan — 
Issue: Can't contact lender — 
Company: American Credit Adjusters (DE)

They have called me 38 times since XXXX XXXX. Call from the same number but give me a different number to call back. First they said their name was XXXX XXXX. On Friday they called me from the same number and said their name as American Credit Adjusters and to call on XXXX. They have sent me nothing in writing. I consider this harassment!!!