davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation (WA)

To Whom It May Concern, Here is a summary of events on the house my ex-wife was awarded in our divorce over 10 years ago. However the loan was in my name. House payments were behind for several years, Attempts were made by me several times to bring the house current for her. At one point we got a notice to pay current from the mortgage company with an {$8000.00} or so figure with a time limit to pay. We sent off a bank wire transfer with in the time frame. Two weeks later the funds were returned to the bank and we were notified of an error and that they needed almost {$12000.00}. 
After this we tried several attempts through the mail system to do a " loan Modification '' directly with the bank. Each time we were told we filled out the papers wrong and had to start over. We did this 3 times over a 2 year period. 
Then in XXXX we started going up to XXXX, XXXX, to the XXXX XXXX Help Center. We filled out the Loan Modification papers there. 4 times we had to start over. Again we were told some of the forms were not filled out correctly, EVEN THOUGH THEIR OFFICE IS THE ONE THAT HELPS US FILL THEM OUT. This went on for an additional two years till XX/XX/XXXX then they switched our " LOAN SERVICER '' to XXXX XXXX XXXX. 
We had to start over on the loan modification forms. XXXX XXXX we were continuing to get requests for additional information through XX/XX/XXXX. On a phone call to XXXX XXXX servicing XX/XX/XXXX, we were told that we should not be getting any notices because they had already foreclosed the property through a sheriff 's sale XX/XX/XXXX. At this point I quit trying to help my ex-wife as it seemed it was finally over with knowing the foreclosure had occurred. 
My credit began to recover and XXXX XXXX quit reporting to the credit bureau 's any late payments on my Part. Then about XX/XX/XXXX they began reporting me as late payments again. I disputed it and it was removed. But then it showed up the next month and every month since then. And my credit score has dropped more than XXXX points. And I just got a notice from XXXX XXXX that they decreased my credit line due to a recent late payment account. 
My ex-wife was again served a Sherriff 's eviction at the end of XXXX XXXX, and XXXX XXXX XXXX took possession of the home and put a lock box on it. I spoke with them directly on Friday XXXX XXXX, XXXX and they informed me the initial foreclosure was done improperly and so they were having to go through the process once again. I however now did not receive any paperwork or notification and was told that I no longer was a part of the loan. I did not quite understand but accepted it as this was what I wanted to be the case. Now in XXXX they again are reporting this as late and again showing on my credit. This needs to stop. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-04-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Through the XXXX of XXXX XXXX I was able to get a monthly payment reduction on my delinquent Mortgage with Bank of America to {$1800.00}. The XXXX requested the Bank restore my original payment of XXXX this is what i got.Now after 7 month later once again Bank of America has increased my Monthly Mortgage payment to {$1900.00}. i was told by them my taxes have increased.My situation is still very dire. My wife has a XXXX illness,XXXX year old child, and my single income pays all the bills in my household.I am at the mercy of the Bank to plead for another modification or refinance to somehow, someway reduce my Mortgage payment so i can stay in my home and keep my family together.Please help me, or somebody at Bank of America please help me to save my home, Because i am drowning in debt. I need very serious help i plea with my life and livelihood on the line to save my home .Please someone at Bank of America please help me with the kindness of your heart ... Thank You XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have requested written verification allowing the following companies to view my credit file on these dates. 

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 I did not authorize any of the following to view my credit file. DID NOT! I requested validation showing my physical signature, nothing. I have asked XXXX times now.
Consumer complaint received 2015-06-19
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had XXXX accounts with Capital one credit card company.I contacted them and requested full payoff balances and on XXXX XXXX 2015 I payed off both accounts in full.I then recieved a XXXX dollar credit from capital one.stating I had over payed on the account.And now I recieve a bill for XXXX when I contacted them they stated they had been a slight mis calculation.Also during the entire time I had the accounts most of the payments made were not credited to the account.Therefor I was paying XXXX the amount owed all of which I have documented proof.
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

XXXX XXXX has been overcharging on my mortgage. The mortgage should be going down not up. Ocwen Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, sold the loan to PHH Mortgage XXXX XXXX XXXX XXXX XXXX, NJ XXXX who sold the loan to XXXX  XXXX, c/o PHH Mortgage Service XXXX XXXX XXXX XXXX, NJ XXXX. I went initially bought the loan from XXXX XXXX XXXX. I have a fix rate of 4.87500 %. On my XX/XX/XXXX, my principal balance {$60000.00} ( monthly : principal- {$160.00} ; interest : {$240.00} ; Escrow $ XXXX {$730.00} ). When PHH Mortgage took over, the increased the monthly payments even though there was no changes. On the XX/XX/XXXX, my principal balance is {$56000.00} ( monthly : principal- {$180.00} ; interest : {$220.00} Escrow {$400.00} = {$810.00} ). Currently principal balance is {$52000.00} ( monthly : principal- {$190.00} ; interest : {$210.00} ; Escrow {$410.00} = {$820.00} ). My monthly principal has been increasing when I have a fixed rate. Yes the interest should go down because the principal is lower ( See attachment ). Can you imagine how many people they have robbed and taken away their houses? This is ridiculous!!!
Consumer complaint received 2015-10-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (TX)

My home phone number is XXXX. My name is XXXX. CCS, a debt collector, their phone number is XXXX keeps calling on a debt to a person by the name of XXXX all hours of the morning and evening. Most recent call to us were made at XXXX and XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX and XXXX XX/XX/XXXX. I have continually told them I am not this person and have no relationship to this person. They say I will not be called again and they continue to call, this has gone on for months. The last time they said that this number was removed from their system in 2013 and they have no record of the auto calls. My name is XXXX and I can not get them to stop harassing me for a debt that is not ours. These are the most recent calls from my caller ID, even though there have been substantially more.
Consumer complaint received 2024-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MD)

XXXX XXXX XXXX XXXX  provided sensitive, secured, and protected information to a third party ( Credence ) that then prompted that I owe them money on an account that I don't have with them, they've harassed and violated my federally protected information by sharing and selling my information. This has resulted in my CREDIT SCORE BEING LOWERED OVER XXXX POINTS. They reported this information multiple times causing my score to lower rapidly. I wanted to apply for a new credit and was unable to do so also I went to get advice on making a new vehicle purchase and was advised my score wouldn't be adequate to purchase the vehicle. Due to this situation I have been nervous to even go for a home loan, which is a major hindrance, due to knowing my score.

T-mobile has done the same, this service was created under coercion. I went to a XXXX one night in need of a phone I decided to purchase a prepaid cell phone there was a representative from XXXX there that seemed very excited about me making a purchase on a phone they then showed me offers and Told me that the price of my bill would be {$55.00} a month the following month I received a bill {$100.00} which I had no knowledge of due to the Fact the woman had told me it would be {$55.00} that month. I then canceled the policy before XXXX  days which they said there would be no charge. These guys also violated my privacy by selling my information to a third party which then reported to the credit bureau in turn lowering my score once again.
Consumer complaint received 2016-09-30
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC. (KY)

I called Sunwest Mortgage to see if I could pay my XXXX payment on XXXX XXXX. I 've never made a late payment in 2 years since I purchased the house. I wanted to make a payment arrangement to make sure my payment was made for XXXX ( since I 'm going through a divorce I have to pay rent, mortgage and child support now ). They were not at all compassionate about my situation. They said if they did n't get the principal by today, I would have a negative mark on my credit report, they would send an intent to foreclose, and I would have to make 2 XXXX payments. 
I think this is totally unfair. Again I have not missed a payment in 2 years. 
I 'm going through a financial hardship with my divorce. The " intent to foreclose '' is not true, the house is on the market and I do n't intend to miss any payments until it is sold.
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My name is XXXX XXXX. I applied for a vehicle loan so my credit was ran. I was told by a loan officer that i have XXXX accounts with Capital One. XXXX accountis is open, this account I 'm aware of. The XXXX account I 'm not aware off, this account is reported as Force Closer. I contacted Capital One was told that this account does not exist. They will be mailing me a fraud report. How do I go about getting this fixed on my credit score? I hope you can help me with this very important issue. You may contact me at XXXX or by e-mail at XXXXXXXXXXXX. I appreciate your time and help.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Cant say enough terrible things about this shady company. Initial request for extension during death in family denied about 5 times escalated to supervisor and office of the President they honored.

I was going to refinance because of the denial but stayed because they honored they waived the balance which was fine then to my surprise they screw me over in my credit profile Ive never had 60 -90 days on any account in my entire life nor prior to or after with this account I was advised allow one billing cycle for it to be corrected twice then when that didnt happen and I followed up was advised info is reported accurately however extensions were processed inaccurately and training and coaching was being provided to the employees in question as a result of this. 

I again continued to dispute because o know what I was told many times over 5 weeks ago I was told allow up to 30 days yet again so today I call in supervisor says I do see where a request was sent to update then he says wait what your account is confusing there are definitely somethings in error here and many things not notated properly however they sent you a letter stating it was accurate again no it is not no it is not no it is not.

What kind of scam artists are you seriously? Worst time in life Ive clearly always been on top of this account which has been reiterated by your reps about 20 times now people like that dont get late remarks let alone 3 in a row IMMEDIATELY fix this error your rep again today stated this was done improperly and this should have been rectified however it appears it was not SO FIX IT
Consumer complaint received 2016-04-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

BOA should be investigated for their overdraft fees and collections practices. How is it legal to charge fees on items that were deducted from your balance prior to an actual overdraft? I had charges come out and deduct from my funds prior to a charge which resulted in an overdraft. fees were added to transactions prior to the overdrafted item. fees are added from an extended overdraft but how can you expect me to pay over {$400.00} when my overdraft was roughly XXXX? when speaking with customer service, the rep provided every answer possible without incriminating boa. I used to actually work at boa for 5 years and never had issues such as I do now that I am no longer employed with them. the fees charged is absolutely ridiculous. I get charged fees for transferring funds from my own accounts! did n't boa get sued for this before? How are they able to continue doing so? their business practices are the reason people HATE you.. the reason people try and get away from you! the reason I am ashamed to say I used to work for you! the last time I had this issue, just a few months ago I might add, I submitted an executive complaint, was assigned a rep to resolve, who frankly told me on the phone that not one fee should have been incurred. this was after I was told via a general customer service manager that if I wanted to avoid fees to stop over drafting my account. I am sure she is still employed by the way. I have had multiple fee refunds in 2015 because of bank of America errors. but mystically they are not coded as an error so when the next rep goes in to next time it happens, it shows waived as a courtesy.. WHAT?? what courtesy do you provide me? the courtesy of having the pleasure speaking with your rude customer service reps who you can tell hate their job? the only time I am treated with even an ounce of respect is when going through the chat option which is probably because it is in writing and not verbal. I would like a scrub of my account.. I want the fees to be returned. there were XXXX transactions that happened that actually overdrafted my account, in turn means XXXX {$35.00} fees, yet I have XXXX! I have fees on my savings from transferring to savings or simply having a savings.. I am done.. if this is not resolved permanently, I will most definitely be the next to sue. you take money from me with my direct deposit that should n't be yours! to have XXXX fees refunded is a slap in the face. I 'm am so tired of having to do this with boa every few months. please investigate bank of America. this needs to be stopped.
Consumer complaint received 2023-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sulphur Bank Rancheria Enterprises (OH)

I have sent over 7 emails a registered letter to request the stop of a wage garnishment which by law I can stop any time. I have asked the company to mail me a copy of all documentation on the loan and each time they respond as if they are just ignoring my request. They claim through e mail the amount due is around XXXX. They are misleading me as a consumer as after taking a look into this company they actually charge a interest rate of over 700 %. I am disputing this as the law limits the amount of they can charge in fees by law even in the state of California. They claim to be doing business under tribe law but in the fine print it says that the tribe does not guarantee this. I need documentation sent to me in the mail for further review and they need to send me written communication that they got my registered letter. I have copies of all e mails and the register letter I sent and the receipt that it was sent and receive by the company.
Consumer complaint received 2016-03-04
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Advance America, Cash Advance Centers, Inc. (CA)

He identified himself as a lawyer from XXXX, XXXX XXXX XXXX. & said his call was in reference to a summons I would be receiving at my door today or tomorrow. He told me my case number was XXXX. He said I owed Advance America {$310.00} but I never had a loan with Advance America. The payment arrangement he would make today was {$180.00} to consider the case closed or XXXX payments of {$110.00}. 
I told him this call sounded like a scam & he said if I did n't pay I would be going to jail & he would ruin my credit.
Consumer complaint received 2022-08-30
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: Experian Information Solutions Inc. (FL)

Creditor has continuing to report a private loan that has exceeded 7-year period on my credit report. While checking my credit report, I notice an account from XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent certified letter, to all three credit bureaus ( See attached ) letting them know that XXXX was reporting obsolete information on my credit report and so far, I have not gotten a respond from them. I am asking you to please help me to have this information removed from my credit report.
Consumer complaint received 2020-06-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIMMONS FIRST NATIONAL CORPORATION (FL)

I have been dealing with Simmons Bank for over 2yrs to close a HELOC that should have been closed in XXXX ( it's XXXX! ). Simmons Bank held both my primary mortgage and HELOC in XXXX, TN from XXXX. The local team who handled all my banking needs were excellent. They provided support that I felt was above and beyond what I've experienced dealing with numerous banks over the years. During my XXXX career I moved 12 times and have owned many homes in the process so have some experience dealing with banks. I sold and closed on the home in late XXXX at which time both the HELOC and primary mortgage were closed out. In the year following the closing of the property I received several blank HELOC statements and made numerous calls to Customer Svc to ask them to close out the line of credit. On every occasion, I was told it would be handled. In XXXX during a refinance on my current home, I was informed from my lender that I have an active HELOC at XXXX. I called Customer Service and once again was told it would be handled and they asked me to sign and forward a form to complete the process. I immediately signed and forwarded the form. Today, XX/XX/XXXX, I receive another statement and late fee for my XXXX annual fee ... yes people, you can't make this up! I called immediately and spoke to a Customer Service rep who couldn't assist me but wanted to put me in touch with the local branch that I dealt with back in XXXX. I asked to speak with a Supervisor and was told she wa n't permitted to do so. She asked for my contact information to have the Loan Officer reach out to me which I provided. I asked for the Loan Officer 's name and number which she informed me she could only provide their first name. Now that's customer service!! At this point, I'm concerned about their poor administration and handling of this matter. Especially since they are showing a late payment and likely may or have reported to the credit agencies. So, impact to my credit rating? Let alone, there's a HELOC in my name against a property I haven't owned in 2 1/2yrs which could easily be subject to fraudulent activity.
Consumer complaint received 2015-08-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Senex Services Corp. (NJ)

My Ex-husbands Health Insurance paid the portion allowed as per the CPT codes for payment. Thery are billing me for their price. There is no need for extra payment if they were paid by the health insurance!! I had my Attorney send a letter in XXXX of 2014 with no response as well. I will refuse to pay these teo bills!
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2017 

XXXX XXXX XXXX, FL XXXX Transunion XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my second written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX {$210.00} Thank You XXXX
Consumer complaint received 2016-11-23
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Clear Debt Solutions, LLC (LA)

I do owed a pay day loan they been harassing went to my mom house and when I talk to them said I do n't pay this amount we will at go to your employment I do n't want to pay a company money that a scam and threatening me I want to make sure it going to that company
Consumer complaint received 2016-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ProCollect, Inc. (FL)

This is a illegal bill this bill is not owed do to findings of the court and they didnt notify me until a year after they put a debt on my credit that is not verfyied as true and correct the court didnt give them premission to collect on this debt after the proceedings and this is effecting me by not able to get a loan i want this company to remove this debt from my report and stop contacting me i will sue this company if they continue to collect a debt that isnt correct i have proof this is no longer a debt that is owed from me this isnt my debt and it needs to be removed from all my credit reports