davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

Timeline and Summary of loan # XXXX Shellpoint ( address ) This has been our family home for the last 30 years. In XXXX of XXXX, my mother passed away and my father, XXXX XXXX wrote to Shellpoint to inform them that he had given me permission to speak on his behalf. ( see documents ) In XX/XX/XXXX we received a letter from Shellpoint stating they were servicing our family home loan. On XX/XX/XXXX I mailed our first payment and did so consecutively for the next 3 months. 

In XX/XX/XXXX Shellpoint wrote a letter stating we were behind on our mortgage payments. The amount due was {$8600.00}, which included, interest, late charges, and various other fees that seem to change daily. 

I have copies of canceled checks from XXXX and Shellpoint for our monthly payments. During XXXX I reached out to the City of XXXX Housing Program to help with our communication. At that time the company was known as XXXX XXXX  and I had requested copies of our 12 month payment history. 

This has been an ongoing problem with three different servicing companies, that claim my parents missed payments. Ive repeatedly requested payment history information from XXXX. Before we know it the loan has been sold to another servicer. ( Shellpoint ) We did a re modification in XX/XX/XXXX principal balance was {$100000.00}. We made all our monthly payments. In XX/XX/XXXX Shellpoint sent a validation of debt notice of {$110000.00}. 

This has been an ongoing pattern from all three servicing companies, and has brought a great deal of uncertainty, confusion and stress. This loan started out as a {$120000.00} dollar loan in XXXX. This has been a vicious cycle of false claims of in default, remodifications, threat of foreclosures and other unscrupulous accounting practices. 

I would like Shellpoint to provide us with our last 24 month payment history and to remove the {$8600.00} in late charges and fees that we have no knowledge of, nor have we agreed to. ( see documents )
Consumer complaint received 2016-03-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MI)

My name is XXXX XXXX. 

I took auto loan with TOYOTA FINANCIAL SERVICES for a new TOYOTA RAV 4 from XXXX Toyota, XXXX XXXX. and never missed a single payment and always paid little more. 
I was in an accident XX/XX/XXXX and the car was a total loss. I already made payment for XX/XX/XXXX payment. My auto insurance paid XXXX XX/XX/XXXX i.e. XXXX % of the total loan value and I did file for GAP insurance claim on time for the remaining amount of XXXX My GAP insurance paid off the remaining and amount and thus my complete loan was paid off date XXXX/XXXX/XXXX. 
Today dated XX/XX/XXXX, I checked my credit report and TOYOTA FINANCIAL SERVICES reported a late payment and it dropped my credit score by XXXX points. I am under immense stress. I in need URGENT and DESPERATE help resolving the issue. 

Please.
Consumer complaint received 2024-03-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc. (CA)

Took out a {$500.00} loan that has 770 % interest. Didn't read the fine print now I'm in a bad spot. I already payed what I borrowed but the 770 % interest is becoming a burden. Need help
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MO)

Equifax claimed ( for at least the third year in a row ) it could not authenticate me online when I tried retrieving my free annual report from XXXX. Attached are the verification questions they asked. The answers to ALL of them are " None of the above '' and this is how I answered. I believe Equifax is either systemically denying all requests from certain debtors for what may be discriminatory or other unlawful reasons, or to discourage requests for FACT Act disclosures in favor of their paid products. This has reached the point where I feel I must request more be done than just goad them into sending the report as they have in previous years. They must take concrete steps to resolve this issue once and for all.
Consumer complaint received 2022-08-09
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. (OH)

On XX/XX/XXXX we sold and closed on our home @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThe home sold for {$380000.00} and the payoff to XXXX XXXX XXXX XXXX XXXX was {$300000.00}. This included late fees, XXXX XXXX XXXX  etc. In XXXX of XXXX I viewed my credit report and saw that only Experian had listed this account as a Charge Off, so I disputed. No changes were made. In XXXX, I submitted my lien release and settlement statement from XXXX XXXX XXXX, still no change. They stated not enough information. I contacted XXXX and they stated they did not report this as a XXXX but Affected by a Natural Disaster. We were behind during COVID but, paid everything off in full and even received Escrow funds back. I'm not sure what else I can do.
Consumer complaint received 2016-01-21
Product: Credit card — 
Issue: Billing disputes — 
Company: EQUIFAX, INC. (IL)

The issue is that Equifax Credit Bureau seems to have some personal issues when I am assessing their line for services that need to be corrected. I am tired of writing about the same things over and over. There are XXXX items that are totally incorrect. XXXX is XXXX credit which was reported long ago about their defective merchandise sold to me and I notified them several times and they did nothing. The second is XXXX, XXXX XXXX which was a secured card and you had to have money on it before you could use it. I believe I put at least XXXX on this card for my constant use as a credit card which is what it was as long as you had the money the account. Another is XXXX XXXX, a seller of damaged merchandise and not what was ordered. Told him also, and he ignored but could ask for payment. The other shows XXXX. There was a problem with them because when I would go to the line to make an affordable payment, they would not take it if it was not what they wanted. Called and was told same thing about what was due after I explained to them I need time to catch up.
Consumer complaint received 2016-11-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TENET HEALTHCARE CORPORATION (PA)

I had a collections bill from XXXX XXXX for {$100.00} Medical co-pay. This was transferred over to Syndicated Office Systems Collection Agency. I currently filed and completed a chapter XXXX bankruptcy, this collection was included on the bankruptcy. However ; they are refusing to remove this account off the XXXX credit bureaus or at least put it as closed. They are stating that they need to keep it open irregardless of the bankruptcy ; causing it to adversely affect my credit score.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (CA)

I was made aware of several accounts reflecting badly on my credit today XXXX when I was turned down from getting a personal loan at XXXX. I had no idea these accounts were on my credit because I did not open them and I did not allow anyone to open them on my behalf. I did not benefit anything from these accounts that were opened in my name such as money, goods, services or any other benefit nor did I take part in any payments made towards these accounts. I do not have any written/verbal contract with any of these companies and I never allowed them to access my credit information. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

This is my third letter to them in regards to accounts listed on my credit report with their organization that are the result of identity theft and they have failed to process my disputes pursuant to section 605B of the FCRA. They continue to send me letters stating that I am not providing the proper identification, and yet I have sent my driver 's license, tax forms, proof of address, police report, FTC affidavit and statement of identity theft with each letter. You sent a letter stating that you are declining to process my disputes as identity theft because you believe them to be either in error or because I received goods or money in exchange for this. I have submitted a complaint with the CFPB in regards to that as well as their continued failure to process my disputes, send me credit reports or provide me with further assistance as required under the FCRA. *I have never claimed identity theft in the past, and I have provided all required documentation. 
When I take them to court they will need to explain why they did not process my disputes and the only reason they will have is that one of their processors did not have the time or energy to investigate my accounts and took the easy route and sent me that notification. 
They have violated my rights under said section and I have no problems seeking the damages available to me. Not only did every letter get sent certified, but they were also faxed and received by them. I have the proof that these were received and that the required documents were sent with said letters.
Consumer complaint received 2017-05-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (GA)

I have been receiving calls after telling t he manager I a m trying to file bankruptcy and she will not stop calling me it has caused me to lose a job and my mined I have not been able to get the money for a lawyer because I lost my job I do start a new job  XXXX   XXXX
Consumer complaint received 2016-06-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a mobile transfer from a XXXX XXXX account holder, on XXXX/XXXX/2016, for the amount of {$180.00}. I received a text from Bank of America with a confirmation number and a message saying it would be credited to my account. It has not been credited to my account as of XXXX/XXXX/2016. I have called Bank of America on XXXX/XXXX/2016 and XXXX/XXXX/2016, and visited in person on XXXX/XXXX/2016. I have spoken with a total of XXXX Bank of American representatives, going on a total of 5 hours talk time. Bank of America keeps telling me that only XXXX can resolve the issue by submitting a claim, while XXXX keeps telling me that only Bank of America can resolve this issue. I can not keep running back and forth between the XXXX banks as each tells me only the other can resolve my issue. Bank of America has consistently refused to accept accountability or responsibility for what definitively appears to be an internal error. If both banks refuse to resolve this issue, Bank of America has essentially stolen {$180.00} from me, and refuses to return it.
Consumer complaint received 2021-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. Inquiry : XXXX Date of Inquiry : XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. I am in desperate need of this being deleted.
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

On my previous mortgage with SunTrust which I refinanced to a new mortgage with SunTrust I had my sanitation taxes paid through my escrow. In my initial estimates of payments it was included to be escrowed but when it was time to close the loan it was left off. I made the inquire about why and I was instructed to just call in when I received the next bill and they would add it to the escrow payments. When the bill came in I call Suntrust Mortgage multiple time and spent hours on the phone attempting to get the bill paid. I was told multiple times that I would receive a call back from a supervisor and all the agent was able to do was put in a research request which takes around 3 weeks to complete. Finally I called and they paid the bill but it was late, I was assured that I would not be responsible for any late fees and it would be added to the escrow so I wouldnt have to go through the same battle in future years. I called today ( XXXX/XXXX/15 ) after receiving an escrow analysis, my sanitation tax was not added and they had me pay the late fee. I was told by agent ( XXXX, XXXX ) that there was nothing she could do, they paid the bill as a courtesy, I was responsible for the late fees and it would not be added for future payments. SunTrust mortgage customer service constantly says they will have a supervisor call you and they do not. I feel like I was lied to and deceived through the entire process. I would not recommend SunTrust to anyone as they do not appreciate loyal customers.
Consumer complaint received 2017-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group (TX)

Phoenix Recovery Group was sold some debt that they claim is from a medical provider. Once Phoenix co ntacted me about the debt, I asked for verification I have the debt from them. I never received it. I contacted then again over 30 days later, and at that point the y sent one illegi ble piece of paper. When I complained, they said that Texas did not require them to provide proof of service.
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2019-02-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CT)

I am in foreclosure mediation with Flagstar Bank. I am requesting and have been in the process of applying for a loan modification. I have become concerned with discrepancies in the verbal and written information I have been given, as well as numerous other problems. This led me to research Flagstar. In doing such, I became aware that they are under a consent agreement with you. The violations they are under consent agreement for mirror the problems/behaviors that they are engaging in with my case/file, IE closing out the file inappropriately, not communicating requests in a timely manner, unwarranted delays in processing, etc. I have proof of all of the above and more. I am fearful that Flagstar bank, which is headquartered in Michigan, is going to issue an unwarranted denial of my loan modification. Oddly enough, the underwriter I spoke to there told me, on a recorded line that his job " XXXX '' and he has too many files. This overloading is one such item of MANY that Flagstar was ordered in the consent to correct. My home is very important to me and I do not want to be issued a denial because of these internal issues. My spouse and I have the income to sustain our home and we will pursue all avenues available to do so.
Consumer complaint received 2015-04-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (PA)

For the last few months I have been receiving phone calls from Diversified Consultants who have been looking for a " XXXX XXXX. '' I am not and do not know anyone by that name. However, they continue calling my phone number even after I have told them to stop calling. Please do something about this company to try to stop them from calling me. I will also send them a cease and desist letter as well.
Consumer complaint received 2015-04-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my checking account after I told them I would keep it & was transferred at least XXXX times to repeat my situation after being told they would explain to the person I would be transferred to. I am unsatisfied with their services & inconvenience of having my checking account closed after telling them not to.
Consumer complaint received 2020-10-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oplis Financial LLC (UT)

I originally took out the original loan for XXXX, i XXXX  my XXXX  due to XXXX  and they added on an extra XXXX  dollars after i paid them XXXX already. We agreed upon a settlement for XXXX.They took out an extra XXXX dollars for not responding to an email without sending me an statement.
Consumer complaint received 2015-07-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This is a case of a credit debt having been bought by another company after 7 years had expired. It is illegal to buy a debt from another company and resurrect it. This originated long before 2009, when this company is saying I owe the debt.
Consumer complaint received 2015-06-24
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Seterus, Inc. (AL)

We are behind on our mortgage by XXXX payments and some late fees. My husband arranged for XXXX payment to be made from our checking account on a certain date ( following his next payday ). I have since received XXXX phone call requesting immediate payment of the entire amount owed and XXXX calls that I did not answer ( prior to the scheduled date ). Serterus has both of our cell phone numbers and it seems that, since my husband has arranged a payment, they are now calling me.
Consumer complaint received 2021-10-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (IL)

On XXXX I closed my US Bank checking account and cancelled their credit card due to Platinum checking account false advertising and deceptive business practices.

I left the saving account open but did not receive a statement for 6 months so I closed the savings account as well. I received the attached letter from US Bank on XXXX stating that I had been de-enrolled in the US Bank electronic 1099 distribution program. I NEVER ENROLLED in the scandalous US Bank electronic 1099 distribution program. US Bank did NOT have authorization to enroll me in anything electronic. This is exactly why I closed all US Bank accounts and terminated the US Bank credit card. US Bank employs deceptive business practices like unauthorized 1099 distribution enrollment and forced electronic statements. I do not and will never bank electronically. When I questioned the fraudulent Platinum checking account paper statement waiver US Bank said they would investigate the bogus charges but never did and continued with their fraudulent fees. US Bank is an extremely dishonest organization. US Bank does whatever they want with accounts regardless of the law. The attached letter is just another example of dishonest, deceptive business practices of US Bank
Consumer complaint received 2017-01-14
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (NY)

Applied for a mortgage with quicken loans my credit pulled up as XXXX XXXX XXXX and got a pre approval letter then was told I had active disputes witch I definitely did not was only dispute comments from old disputes so they had me remove them and re pulled my credit once again and middle number was XXXX and their is this program out their XXXX to XXXX buy had to remove other dispute comments and they prob will have to run my credit again witch will drop my score again