davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

We had a loan for 72 months then extended it for 2 more years, my total payments for the 72month term with interest of 19.24 % should have been {$30000.00} as of today XXXX/XXXX/XXXX I have paid 74 payments, on XXXX/XXXX/XXXX we had to sign an agreement to extend the loan for 2 yrs because the company said we owed with interest over {$15000.00}, they agreed to lower interest to 4 % for 24 mths and the company is telling me I still owe a payoff amount of $ XXXX with late fees, etc ... how can this be. According to extended agreement we wold make 24 more payments of {$300.00}, that 's {$7300.00}. We have made 9 of those payments to date. ( {$2700.00} ) We should only have {$4500.00} left on the extended agreement. They charge me {$10.00} for each payment I make and charge a late fee of {$30.00} from the 1st day it 's late. They are completely ripping people off. I will have paid over {$40000.00} once I 'm done. That is insane I did not buy the car new it was preowned and needed a new transmission after only having it for 1 year. I feel I am totally being taken advantage of and do not owe $ XXXX, The car is not even worth {$5000.00}.
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MI)

I applied for HARP Ref using Quicken Loans. The HARP ref was approved. However, It is my understanding that MSHDA ( Michigan State Housing Development Authority ) has HARP grant program that would applied {$500.00} toward closing cost. 
With review of the closing cost, Quicken Loans did not apply this grant to my closing cost. HARP Refinance with XXXX XXXX XXXX | Mortgage Banker at XXXX Loan and he did not apply the {$500.00} grant.
Consumer complaint received 2015-07-13
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NY)

There where Fraud on XXXX ( XXXX ) Credit Cards ; XXXX which was never activated by myself. 
XXXX XXXX XXXX Issued By Bank of New York and No. Pin requested or Card receivedCard No. XXXX BNY Mellon Florida for the sum of XXXX ( card No.was obtain through XXXX Fraud Dept. Activated XX/XX/2015Shell Fuel Rewards Card No. XXXX XXXX XXXXCard No. XXXX Never Activated in My Possession at the time usedCard used XXXX/XXXX/2015 thru XXXX/XXXX/2015 For the sum of XXXX XXXX Issued By XXXX XXXX Card No. XXXX XXXX XXXX XXXX in my possession. Card Used on XX/XX/2015 For the sum of XXXX Total XXXX
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc. (MI)

Recently, received my credit report and found unwanted Hard inquiries on there permitted by Experian, despite the fact I have asked for a valid investigation or having them removed under the FCRA law. Experian never proved a proper re-investigation by having these companies certify they had a valid reason to access my report.
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Select Portfolio Servicing ( SPS ), Inc. recently employed XXXX XXXX XXXX XXXX XXXX ( a law firm ), to send via certified mail a " Notice of Acceleration of Loan Maturity '' letter dated XXXX XXXX, XXXX ( see attached ) to me. As required by Texas Property Code 51.002 ( d ) and the Deed of Trust, SPS is required to send a " Notice of Demand Payment '' and a " Notice of Intent to Accelerate '' in order to provide adequate time to cure the debt and notice me that failure to cure the default will result in acceleration of the entire debt and could lead to a foreclosure and, possibly, a deficiency judgment against me if the proceeds from the foreclosure sale do not fully extinguish the secured debt in accordance with common law requirements. SPS did not send me neither the " Notice of Demand Payment '' nor the " Notice of Intent to Accelerate '' as required by law and the Deed of Trust. 
SPS purchased the servicing rights to my mortgage while it was in default. Therefore, they are deemed a debt collector and not an original creditor in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 803 Definitions [ 15 USC 1692a ]. SPS ( or their agents ) has, despite written requests to " Cease and Desist '', continues to come onto my property and hang notices on my door ( see attached ). 
Finally, both XXXX XXXX XXXX XXXX, XXXX and SPS are in violation of FDCPA 1692e and 1692g ( b ) in that neither the law firm nor mortgage servicer has properly verified the debt. I have sent numerous RESPA requests asking for an itemized accounting clearly explaining each charge from inception of the loan. The payment history and all transactions from inception of the loan to XXXX XXXX have never been produced by SPS nor the previous servicer. They produce a copy of the note and an incomplete accounting which is missing years of records, does not clearly explain each charge with a date and does not reconcile back to the amount owed. Therefore, I am not able to adequately dispute the amount of the debt due to insufficient itemized accounting records.
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

When refinancing our mortgage away from Shellpoint loan servicing in XXXX/XXXX 2020, we attempted to stop an unnecessary payment of > {$4300.00} on XX/XX/XXXX we were told not to make as our loan was about to be payed off. When I attempted to stop the payment on their web site, it would not allow me and repeatedly crashed. When I made repeated attempts to speak to someone at Shellpoint to stop the payment, I was shunted off to one department after another and repeatedly told the payment couldn't be stopped or canceled. I ultimately told my bank, XXXX XXXX after the payment was made against my wishes, to stop the ACH payment and reverse the charge. When I finally got ahold of someone at Shellpoint who said " Oh, anyone you spoke to could have stopped the payment. '' he said he'd clear it up and they'd refund the money, sending a check. Since I had told my bank to reverse the charge I called Shellpoint and asked what to do with the check and they told me not to cash it since the bank had already reversed the charge. They did NOT tell me to send it back because it was a cashiers check and they did NOT tell me there was a payment delinquency registering against us because of this. Later, after we refinanced, I received a bill for a mortgage payment from Shellpoint. I called and asked if anything was wrong and they said to ignore it, there was no problem. Fast forward to XX/XX/2020, and I find my family 's credit is damaged because that bill they told me to ignore was listed by them as resulting in a delinquent payment, which they subsequently reported to the credit ratings agencies, resulting in severe damage to our credit while, in fact, Shellpoint repeatedly failed us and lied to us, ourselves never having missed a payment we were supposed to make. Now our credit is tanked because Shellpoint is incompetent at accounting and staffed by incompetent, dishonest representatives.
Consumer complaint received 2020-10-19
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 MAILED MY DISPUTES BY CERTIFIED MAIL TO THE CREDIT BUREAUS ON XX/XX/2020 AND I GOT A NOTIFICATION THAT IT WAS RECEIVED ON XX/XX/2020. I CALLED TRANSUNION THIS MORNING AND THEY CLAIM THEY NEVER GOT ANYTHING.
Consumer complaint received 2017-08-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates (NC)

I began receiving call on XXXX XXXX from this company. I do not answer calls I do n't recognize or know. No one ever left a message. They were calling 3-4 times daily through the week. Then I got 2 messages left on my voicemail by a woman who did n't leave her name but said " ( stated my name ), I need you to call me back, I need to talk to you. '' And she left a phone number XXXX XXXX. I never did call back. I keep receiving these calls from this same number along with another number listed for this company, Prince Parker and Associates. It 's a XXXX area code. I 've had the same message left by a woman also. I XXXX the numbers and found it was the above mentioned company. I will not call them back simply because they are not leaving messages stating who they are, why they 're call and they 're calling me 3-4 times daily from XXXX.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IL)

After being denied on a recent credit request, I discovered that our mortgage company, Seterus, had placed negative information on our XXXX credit report even though it clearly states in the remarks section that the mortgage was included in a 2010 bankrupcy. Seterus reported {$21000.00} past due of payment amounts of monthly {$1100.00}. My understanding is that when the mortgage has been discharged, it is illegal to place this information on our credit reports and this is adversely affecting my credit rating and ability to obtain credit. XXXX and XXXX display the correct information of {$0.00} balance and {$0.00} payments due so evidently Seterus chose to report the incorrect information to XXXX. We are still in the house while we work on turning the deed over to Seterus but is immaterial to Seterus taking the action they did on our credit report. We already took the damage to our credit with the bankrupcy, they should not be dinging our credit for a debt no longer valid because it was dismissed. Any help to have the negative information removed off our XXXX report would be greatly appreciated. Thank you.
Consumer complaint received 2017-05-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Debt Management Solutions, LLC (CA)

Nationwide Debt Management Solutions , LLC  (   XXXX   ) Ke eps calling over and over harassing myself, family members, friends and my fianc family.     They call over and over, one call seconds apart. I have asked them to stop they keep calling and are now on to calling these other people.     They are not just asking for me, they are asking for my fianc as well, she has nothing to do with this alleged debt.
Consumer complaint received 2021-09-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

CCFI FUNDING , LLC DBA CASH CENTRAL, INSIGHT CAPITAL THIS IS A CHECK CASHING COMPANY AND THIS IS THE SECOND TIME TAHT THEY ARE REPORTIG ME TO THE DEBT COLLECTOR BY MISTAKE., LAST TIME IT COST ME XXXXPOINTS ON MY CREDIT REPORT.I 'M A BUSINESS OWNER AND MY CREDIT SCORE ISABOVE XXXX.I DID TRY TO FIND OUT WHAT IS HTE DEBT FOR BUT THEY KEEP HANGIGN UP THE PHONE ON ME.I 'VE ALSO CONTACTED THE .XXXX  OF LAST YEAR I'VE REMOVED THE COLLECTION REPORT FROM MY CREDIT REPORT AND THIS YEAR ONCE AGAIN SAME COMPAY IS UISNG ANOTHER COLLECTION AGENCY ( WITH ALMOST THE SAME NAME ) FOR THE SAME AMOUNT.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I reached out to the credit bureaus to remove the following inaccurate names listed below. No action has taken place. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AP)

Sir or Ma'am, I have problem of the Mortgage Company CARRINTON MORTGAGE SERVICES, LLC. I want to make a complaint. I am asking about the reinstatement letter loan that it IS NOT showing in details or itemized about what month that I owe, and what month will be paid but the company is not cooperating. Please help me if you can to let this company send me a bill with details or itemized what month I owed them. Thank you. 
Point of Contact : : " XXXX ; XXXXXXXXVery Respectfully, XXXX AP XXXX
Consumer complaint received 2022-02-13
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. (KY)

I have sent several disputes in the past to have the account reported under XXXX removed from my credit reports due to being inaccurate. I contacted XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but XXXX and Experian have not. The latest letter I sent to XXXX and Experian to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX nor Experian, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have a  30 yr mo rtgage that was purchased and is now serviced by   Capital One. I have put the payments on Auto-Pay through my bank and have done this for well over 5 years.
For the last 2-3 years I occasionally receive a call and letters in the mail stating that I am behind in payments. Before I was terrified that something had gone wrong with my bank payment and quickly made a payment over the phone with their customer service representatives only to find out that in fact my account did pay out the required loan payments.
They were at it again earlier this year and admitted that they applied one of my payments as an " extra '' payment and then faulted me for not making a payment. The customer service repr  esentative apologized and said they would correct it.     Now again, I am receiving mail and phone calls stating I am behind. I have a flawless bank record of sending processed payments, never late. I think it is an administrative ploy to reel in late fees and/or alter loan status ' for their benefit. I do n't know how to get them to stop this.
Consumer complaint received 2015-08-03
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAVALRY INVESTMENTS, LLC (FL)

Refused to give me name and phone number of company along with address before I verified social security information. Requested no phone calls and to have written documentation of debt. Became aggressive when stated my right to know who they were and where located and how I could contact.
Consumer complaint received 2016-02-29
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NY)

My mortgage was recently sold to Loancare-A XXXX XXXX Company. Loancare appears to be unwilling or unable to provide information on my escrow calculations. Loancare does not have a mechanism for customers to speak with decision makers. XXXX60 minute phone holds result only in a message being taken. Email and web contacts go weeks without answer. I simply want Loancare to show my escrow calculations as they do n't match tax and insurance expenses.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX XXXX : {$1100.00} Date Opened : XX/XX/XXXX, XXXX XXXXXXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-02-13
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. (AR)

my name is XXXX XXXX i am writing to delete the following information off my file. the items I need deleted are listed in the report i am a victim of identity theft and did not make the charge i ask the items to be deleted to correct my credit report i reported the theft of my identity to the federal trade commission. please delete these these item as soon possible these negative remarks are holding me in attaining not only a mortgage but a car loan.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TN)

On  XX/XX/2017    experian charged me {$21.00} for a credit monitoring service and the following business day I contacted my financial institution. I came in and they stated it needed to be disputed with experian and called them. Experian stated it could not be refunded because it was in the fine print of the {$1.00} fico score I payed for. They also stated they did n't have a customer relations department I could speak to. This all resulted in other auto drafts in my checking to go into overdraft and I the customer am left eating the entire cost. Completely unacceptable.
Consumer complaint received 2019-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (IL)

I have a Mortgage with CitiMortgage. It is for a condo in XXXX XXXX XXXX, SC. I have had this Mortgage for 12 years. This condo requires Flood Insurance. The condo association is required to provide Flood Ins. Citibank and the insurance company communicate every year to confirm. This year they did not communicate. Citibank purchased Flood insurance for the unit in addition to the normal Flood Insurance I get through the association. They added an escrow to my account. Thats when I had to get involved. I connected with the Insurance group at Citibank. They provide an online portal to up load documents. I provided the information via the upload site. Citibank never received. Today, Citibank admitted that the site sometimes does not work. If you try to upload the same document twice, it will say it uploaded successfully, when it does not. Normally, I do not have to get involved at this level. We did not pay the escrow, and Citibank put a credit alert to my credit bureau that I had missed a payment. This was incorrect, we have paid every month on time. I am not sure if this practice is legal or ethical. Citibank is does care, and is requesting more fees and escrow payments even when they have proof of insurance.
Consumer complaint received 2015-11-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NC)

Received a letter in the mail from " Convergent Outsourcing Inc. '' They state they are collecting a debt from XXXX. This appears to be a scam due to the fact that I have not used XXXX for many years. Additionally, I have seen numerous complaints about this company online. They say that I owe {$490.00}, but I can reduce the balance by XXXX % if I pay {$240.00} now.
Consumer complaint received 2015-04-15
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (KY)

I recently applied for a refinance to my mortgage through Quicken Loans. I had asked about their product where they claim to pay your PMI for you. This would really save us some money each month. After working with their agent, I was told that I did not qualify because I do not have enough equity in my current home. I understand this even though my wife and I have an impeccable record and credit scores. The problem that I have is that if I do not qualify, why do I continue to get email notifications urging me to apply for refinances through them? I constantly receive email notifications from Quicken Loans telling me to apply and asking 'What 's holding me back. ' The emails even allow for a link to apply within them. I wanted to apply for the right product for me, which they said I could not get at this time. Now I receive notifications that I should keep applying. I just want to move forward with the product I want.
Consumer complaint received 2022-02-13
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. (KY)

I have sent several disputes in the past to have the account reported under XXXX removed from my credit reports due to being inaccurate. I contacted XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2017-05-23
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. (KY)

My father has fraudulently filed for bankruptcy under my social security number in a different state.  XXXX  claims that they " verified '' that the bankru ptcy is mine after multiple disputes and sending proof that it isnt mine. It is not possible to verify this bankruptcy via US Bankruptcy Court of  XXXX  b ecause i have already called twice and they have stated over the phone that they DO NOT sent out verifications or have an online system for credit reporting agencies to validate bankruptcies.  XXXX  is in multiple violations of the FCRA and FDCPA.