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: IMPAC MORTGAGE HOLDINGS, INC. (CA)

I was approved XXXX XXXX for a loan modification by Impac, the investor of my loan and XXXX XXXX XXXX is the servicer of the loan. I got a step rate and it was going to increase to 3 % in XXXX XXXX. Therefore, prior 3 months prior to that date, I contacted Impac once again to ask that they extend my modification and keep me at 2 % interest rate for another 3 years. On XXXX XXXX, XXXX, I was approved for another modification, in writing, which was accepted and executed by me. At the time of the approval on XXXX XXXX, XXXX, XXXX XXXX informed me that I should continue making my normal payments at the 2 % interest rate. XXXX further informed me that XXXX XXXX XXXX would take up to 8 weeks to send me the final modification documents. After 8 weeks, I called XXXX XXXX XXXX and they confirmed with me verbally over the phone that my rate was at 2 % but when I would ask about the final modification documents, they acted as if they didnt know what I was talking about. I sent the modification to XXXX XXXX XXXX 3 times and they still claimed they did not receive it. They even received it from Impac and XXXX XXXX XXXX is continuing to refuse to honor the modification. XXXX XXXX XXXX is playing games with me I am so tired I have been dealing with this for months. Why is XXXX XXXX XXXX not honoring the modification that the owner of the loan granted me and that I accepted. Now, because XXXX XXXX XXXX is refusing to honor this modification, I am considered delinquent because they now changed the terms of my loan to the 3 % when in fact pursuant to the terms of the modification agreement I accepted XXXX XXXX, my rate of 2 % is extended until XXXX XXXX. Please I pray that you help me with getting XXXX XXXX XXXX to honor the loan modification that was offered to me, XXXX You.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX acct # XXXX, XXXX XXXX Bank acct # XXXX, XXXX acct # XXXX, XXXX XXXX Department acct XXXX XXXX, XXXX XXXX acct # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (LA)

Ive attached the original letter that will explain how this started. To explain where we are now ... Ocwen refuses to release the remaining insurance proceeds so we can finish our flooded home and I have a letter from Ocwen stating once we were at 90 % repaired they would release and they will not do so. They received our initial insurance check on XXXX XXXX and after many many many fighting phone calls, and complaint with XXXX and La Attorney Generals office, they release the 1st pymt on XXXX XXXX. We had an inspection in mid XXXX and that came back at 90 %. and yet again not releasing all of the money, only a portion. Also, when this event occurred Ocwen waived our XXXX XXXX and XXXX payments and offered to spread them over 9 months with our 1st payment beginning with our XXXX payment. Our payment amount is XXXX and XXXX goes toward the payments of XXXX XXXX and XXXX ... .they have been reporting us late to the credit bureaus ever since. When I got our local authorities involved they corrected the late payments for XXXX XXXX XXXX and XXXX but are continuing to report us late for XXXX XXXX and now XXXX, sending my credit score down over XXXX points. I would like to receive the remaining {$31000.00} dollars in insurance proceeds released immediately and for them to correct all aspects of my credit file so that my score returns to what it was prior to them reporting incorrectly. Any help is much appreciated. I have attached several docs as reference that supports all that I have spoke about. Sincerely XXXX XXXX XXXX
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have mailed letters and sent Them VIA FAX AND MAIL a request for them to remove the address  XXXX   XXXX   XXXX   XXXX  CA  XXXX  as this address does not belong to me and belongs to a family member please make them remove it this is causing problems they dnt care and do as the wish and say they are not responseable for what is reporting if they are not reasonable and responseable who is they are out of control and do as they want with do rules please help
Consumer complaint received 2015-08-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (WI)

Seterus is the loan servicing company for our mortgage. I understand they could not send up monthly mortgage statements during the time we were in Chapter XXXX. Which XXXX because we made all payments for 5 years during that period and have no proof they were received or applied to our mortgage. Since being out of Chapter XXXX we have requested multiple times to have statements sent and was told that they do not send statements it is only a courtesy for them to send them out. They do not have to send them is what I have been told. they have also added additional fees to the monthly payment for something that has never been disclosed to us. if the terms of the loan are adjusted should all parties be notified of the reasoning???? We do not know if over {$60000.00} in mortgage payments have went to anything anywhere because Seterus refuses to send out mortgage statements. Also seterus forced us to pay for additional home owners insurance during those 5 years. every time they requested a copy of our home owners insurance i faxed it to them promptly.
Consumer complaint received 2015-07-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

Went this morning XX/XX/XXXX to withdraw {$20.00} from my husband 's account at machine was broken so decided to go through drive through my situation was dealt with by XXXX XXXX whom informed me I could n't withdrawal the funds out of my husband 's account since I 'm not on the account ( even though I 've done this a XXXX times before ) I left and went to XXXX to get the money I needed. About 2 hrs later I went back to the bank after having lunch with my husband and getting his check, I went to deposit it. Again, I was dealt with by XXXX XXXX, she was very rude and used a smart XXXX tone saying she could n't cash it I replied " I want to deposit it '' this whole time she 's bobbing her head all about as if she 's a bobble head, deposits the check and again in a rude high pitched tone tells me to have a good weekend. Thus lady was very rude and had no right to speak to me in the tone she did I honestly do n't even want her handling my money so am considering closing the account so I do n't have to deal with her again.I have never been spoken to this way at any other bank and was quite surprised at the childish way she acted as if I was stupid. I ca n't imagine her treating elderly people that way nor anyone else. She needs more training or another job she clearly is n't good with the general public. I have never seen her in there before but if we decide to keep the account open I hope I never have to do business with her rude and obnoxious personality.
Consumer complaint received 2020-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

I got a notice from my bank that my credit score is being damaged because of a 'FAIR COLLECTIONS & OUT ' claim for around {$300.00}. 

I have no idea what it is for and think it is some kind of fraud.
Consumer complaint received 2015-03-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Io, Inc. (GA)

XXXX issues : 1. Agency refuses to validate the debt with me, even after a phone call and two letters. They did not validate the debt but, instead, updated my credit files with derogatory entries. 2. They have changed the balance amount AFTER I filed two more disputes, and a complaint, in XXXX 2015. I have seen {$160.00}, {$300.00}, and {$310.00}. Is this even LEGAL? How is a company allowed to report information and not send the required information, when requested? Clearly, I did not get any notification from them as I had relocated to another state BEFORE they even took over the case. Therefore, I was not served the papers to verify if that debt was mine. 3. They claimed they sent me a certified letter after filing the first FTC complaint. Not true at all. They never sent a single piece of paper to me, showing a complete breakdown of the amount. 4. If they are including an additional fee in the amount, that 's up for dispute, as well. I never entered into any agreement with them for their services. Therefore, I disagree with any fees included in the amount. 

XXXX and XXXX investigated and removed this debt from both of my credit files. On XXXX XXXX, 2015, I filed another dispute with XXXX, due to the above information. 

Bottom line : the legalities of them being able to change the amount owed needs to be investigated, as well as not providing me with full verification of the debt. I also requested their licensing and legal status for doing business in the state of Georgia. See the attached letter for additional information requested, regarding this.
Consumer complaint received 2015-05-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (IL)

I purchased a car on XXXX XXXX, 2014 from XXXX XXXX in XXXX, IL. I received a contract and drove off with the car that day. On XXXX XXXX, and XXXX XXXX, XXXX decided to run my credit report again to the same finance companies creating a total of XXXX inquiries on my credit report, since I bought the car on XXXX XXXX, 2014. I never gave permission for XXXX to run my credit again and for what. When I explained this to the credit bureau, XXXX XXXX, XXXX, and Experian, they informed me that hard inquiries ca n't be removed, because they were done by the consumer or credit holder. I was very upset, because I never authorized or give permission to those finance companies or XXXX to run my credit on XXXX XXXX, or XXXX XXXX, 2014. My credit score has dropped over XXXX points because of this. When I told XXXX, they said well we were trying to find a different 'finance company, if XXXX XXXX had approved me. I asked them to have it removed in XXXX, but they said I needed to dispute it with the credit bureau. Now I 'm back to here. I ca n't dispute it with the credit bureau, because they wo n't let me. They state that it is a hard inquiry so I ca n't dispute it. Can you please investigate? In the Experian report on pages XXXX shows the inquirees. Please notice the dates for XXXX, 2014 and the multiple inquiries. Thanks!
Consumer complaint received 2020-10-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AUTOMOTIVE CREDIT CORPORATION (CO)

XX/XX/XXXX my truck was repossessed due to late payments. I notified the lien holder of my financial hardships due to Covid-19 crisis. 
They would not grant a deferment to help me get the payments caught up. I informed them that I was unemployed and receiving unemployment benefits. In accordance to SB20-211 Limitations on extraordinary collection actions, my rights are protected. 
I was told by the lien holder that they are in compliance and I was lying about the Senate Bill 20-211.
Consumer complaint received 2015-04-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

See Related Complaint # XXXX Navient claims they can not reach me by telephone and email, and is no longer providing current statements or payment information on my online account, so I can not log-in to make payments or see current account statements. Also, they claim their emails wer3e returned, and I demand proof of this, as the prior complaint shows an email they sent to me and to which I replied. This also just changed after the XXXX 2014 collection call My telephone number XXXX has not changed ( see prior complaint ) ; also my email address has not changed : XXXXXXXXXXXX ( see prior complaint ). They are making it difficult for me to make payments timley.
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (MD)

I financed my house with a 15 yr, fixed rate mortgage and have paid mymortgage on time every month. Further, I have paid an additional $ XXXXto principal with each loan payment since the inception of the loan. 
Normally on fixed rate mortgages, the interest decreases while thepayment to principal increases as each payment is made. On theservicing of this mortgage, the interest that I pay fluctuates with everypayment and does not steadily decrease. For example, the interest thatwas posted on the statement dated XX/XX/XXXX of {$100.00} isslightly higher than the interest posted on XX/XX/XXXX of {$100.00}. Ibelieve that the allocation between principal is calculated incorrectly for afixed rate mortgage. I wrote to BB & T and received a timely response, but the letter does not address my concerns it merely cites that it is incompliance with CFPB regulations.
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 — Information is missing that should be on the report
Company: Upgrade, Inc. (MT)

I called XXXX, XXXX XXXX, & UPGRADE to try and resolve the following matter but unfortunately the lady that was speaking to me was rude, unprofessional, and not helpful at all. I recently reviewed my credit REPORTS and observed that Prosper IS NOT reporting my monthly payments to all the credit bureaus, XXXX, XXXX, & XXXX. Furthermore, XXXX, XXXX XXXX, & UPGRADE has a note on my credit report which states " National Disaster ''.
Consumer complaint received 2015-08-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (NC)

I have a medical collection which is being reported by XXXX different collection agencies however for the same original creditor. XXXX XXXX XXXX is the original creditor that turned over a debt in the amount of {$550.00} to both Syndicated Office Systems and Central Finance Control. These XXXX collection agencies are parent companies demanding that I pay the collection. It makes no sense to pay a collection account XXXX and it is difficult to determine who has legal ownership of the debt, or which debt collector had it first especially when XXXX claim to have acquired the debt on the SAME DATE. 

Syndicated Office Systems is reporting on my XXXX only, while Central Finance Control has reported the debt on both my XXXX and XXXX. According to recent actions ( XXXX/XXXX/2015 ) taken against Syndicated Office Systems by the CFPB, these types of collection tactics are unethical and illegal. 

Over the past XXXX months, I have hired two different companies in an attempt to validate the debt. However neither Syndicated Office Systems nor Central Finance Control responded within the XXXX time frame as required by federal law ( see attached ) and when they did respond, each claimed to legally own the debt.
Consumer complaint received 2016-01-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (FL)

When I called Navient and inquired about the " Rate Reduction Program, '' supervisor XXXX whose employee code is XXXX, said, " We do not offer rate reduction program. '' When I told him that according to several websites ( NOT affiliated with Navient ) that educate students on how they can pay off their private student loans that Navient DOES offer rate reduction program, he said, " You do not quality for it. '' When I asked him why I do not quality for it, he said, " We do not disclose it. '' When I told him I want to know why I do not quality for it, he said, " We do not have to explain why. '' When I asked him, " What do you mean you do not have to explain why? I want to know why I do not quality for the rate reduction program as I am not able to make my monthly payments due to financial hardship? ", with an attitude, he said, " We do not have to disclose why. It 's at our discretion. ''
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

Please assist me in removing addresses that do not or did not belong to me. I have disputed this matter several times with Experian and they have not removed these inaccurate addresses from my credit file. 
Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (WA)

I had a lease through Hyundai Motor Finance. When I returned the vehicle at the end of the lease ( all payments paid in full, on time ) in XX/XX/2018, they had charged me for extra fees that were never explained to me from the beginning. I had contacted them numerous times to work with them about the fees but did not come to a conclusion. Once they reported the fees to the credit bureaus, I ended up giving up and paid the fees. To this date, the missed payments are on both my wife and I 's credit reports. All scheduled payments were made on time for the previous 3 years.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

XXXX XXXX has illegally reported a total count of nine late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Consumer complaint received 2016-03-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

My Husband and I are currently delinquent on our mortgage due a to long term financial hardship. Our Loan is serviced by Ocwen. We will soon have the ability to bring our mortgage payments current. We have made several requests to Ocwen to provide exact amount required to bring our loan current. Ocwen continues to provide conflicting amounts via telephone representatives and written correspondence sent to us. The amount Ocwen provide to our Attorney and local court overseeing foreclosure is also conflicting in reference to the total amount needed to cure the delinquent payments. We have yet to receive an accurate and confirmed amount needed to remain in our home.
Consumer complaint received 2024-03-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP (OK)

I am the main person on the loan and my ex boyfriend is the co signer on the loan. When we broke up he moved into the house and promised to make payments but didnt. This has led to my ex boyfriend applying for mortgage assistance. He forged my signature on the closing documents for this assistance and the bank accepted the paperwork despite me having called them numerous times before the paperwork was finalized telling them I did not accept the terms and I would not be signing any of the paperwork to go through. My name on this notarized document was also spelled wrong and the bank disregarded both my name being spelled wrong and me telling them on multiple occasions I did not agree to the mortgage assistance and I would like to cancel it.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (AR)

accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under cit open end consumer credit plan as late for purpose.

146
Consumer complaint received 2020-06-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AUDIT SYSTEMS,INC (OH)

They have called me several times. To be specific XX/XX/20, XX/XX/20 and today XX/XX/20. They were harassing me asking me for my personal information such as address, date of birth etc. I asked them why they are calling and they would not tell me unless I gave them my personal information. The guy got an attitude and cursed at me. I asked them to quit calling me the first time but they did not. They also have called me in late hours of the night.
Consumer complaint received 2017-02-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (OR)

Enhanced Recovery Company reported a collection to XXXX on the XXXX of XXXX XXXX. I feel they are violating the Fair Debt Collection Reporting Act by acting as an original creditor and updating my credit report as of the XXXX of XXXX XXXX showing that this debt is 30 days past due. Also, they have not/or will not produce original documents of a signature and/or contracr showung this debt is indeed my debt. When I viewed my XXXX credit report it shows the original creditor to be XXXX XXXX XXXX.