davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CT)

Dear Shellpoint Mortgage Company, C/O XXXX XXXX I have received the loan modification agreement from Shellpoint and it does not reflect the terms you laid out in the XXXX XXXX, XXXX letter you sent me stating : " Note that the total new principal balance under the modification is projected to be {$160000.00}, and {$49000.00} of that balance would be deferred. The deferred balance is non-interest bearing, and you would not make payments on the deferred balance : however, the deferred balance will become due and payable in full once the loan matures. '' The offer I received is for paying on the full balance of {$160000.00}, with no deferred balance. When I called customer service, I was told the offer is what it is and there is no other option, without anyone picking up the phone to talk to you or any other supervisor. I thought we had worked out our differences with the lack of attention paid to my account and the multiple errors being made on account of Shellpoint Mortgage Services. 

In addition, your XXXX XXXX, XXXX letter requested that I set up a meeting time and date by emailing you at XXXX. I did this as you requested and as of XXXX XXXX, XXXX I have yet to have a representative from Shellpoint Mortgage Service call me to discuss the concerns I communicated to you about the " batch errors '' on my account. In addition, in the same letter you mention " posted to your loan in error '', refunded to you in error '' and made at the request of a Shellpoint employee, in error. '' It seems to me that there are a lot of errors happening and little to rectify the situation. 

I also mention duplicate PMI payments which you wrote off as " disbursements for XXXX XXXX and XXXX XXXX were skipped. '' Another error perhaps? Or how about if you look back at the data you will see the skipped payments you mentioned actually were made on XXXX/XXXX/XXXX for XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX for XXXX/XXXX/XXXX. 

I have worked hard on getting Shellpoint to take responsibility for the " errors '' which have altered my account. I honestly believed we came to an agreement with you last letter and am disappointed that I now have to continue to fight with you to get the agreement you sent me in writing on XXXX XXXX, XXXX.
Consumer complaint received 2015-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My mortgage was sold to Specialized Loan Servicing LLC, effective XXXX/XXXX/15. I did not receive the legally required notification from SLS ( only received notice from my prior mortgage company ). Further, after making first payment to SLS and confirming payment cashed, SLS offers NO way for the customer to verify that the payment has been applied as per the mortgage agreement. I need to see that my payment has been applied to my principal, interest, escrow, and see the remaining balance as agreed.
Consumer complaint received 2015-08-25
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (TX)

Green Tree assumed my mortgage from XXXX in XXXX XXXX. When I refinanced my mortgage loan with XXXX, XXXX. in XXXX XXXX it included a " No Prepayment Penalty ''. When Green Tree assumed the loan they have now added that I have a " Prepayment Penalty ''. I have called Green Tree XXXX times to resolve this issue. My most recent call was today XXXX XXXX/XXXX/XXXX XXXX. The Green Tree service representative stated that they sent me documents on XXXX/XXXX/XXXX and if I wanted to dispute this issue I am to refer to those documents. I told the representative that it has been twelve days and I have not received anything. I would like this issue to be investigated. I have my copy of the XXXX refinance with XXXX
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-02-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

There is a loan through Navient that I keep getting harassed about. I have heard about a lawsuit against Navient, and I 'm uncomfortable getting the multiple calls and emails. There is now a negative score on my credit towards this. I am not sure how old this loan is for. I have already paid XXXX directly for my debt.
Consumer complaint received 2017-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Protas, Spivok & Collins. LLC (MD)

Protas, Spivok and Collins ( PSC ) works for debt collectors, s uch as  XXXX   XXXX  and  XXXX    XXXX   to unethically garnish wages and collect on debts already paid. See online complaints :   XXXX   XXXX    XXXX  Report : #  XXXX  and   XXXX   XXXX    XXXX  Report : #  XXXX  Mine is yet another case of  Protas, Spivok and Collins going after a debt already paid. I paid my debt ( for a credit card ) i n   XX/XX/XXXX .  It is now 13 years later,  XX/XX/XXXX . I have documentation that the debt was paid. PSC is not willing to accept it. They put a court order through to garnish my wages at 25 %. I created a motion to vacate judgment ... but it takes time. The garnishment will begin before the case can be heard. I contacted my bank to see if I could get an old bank statement or cancelled check, but banks keep their records for 7 years only. They can not go back further than this . PSC knows this ; it is a part of their strategy. Many people shred records after 7-10 years. PSC knows this and counts on this as well. Others who have complained said that PSC came after them 13 years after they paid a debt, just like me. PSC also charges interest on all the supposed years the debt was not paid, so my debt, just like the others who have complained is 3 times the amount of the original debt that was ALREADY PAID. Protas, Spivok and Collins are extortionists and need to be stopped. Too many people 's lives and wages  are being drained and damaged by their unethical debt collection practices years after records are destroyed.
Consumer complaint received 2022-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I worked for a qualifying employer from XXXX and have submitted the ECF multiple times. Fedloan Servicing is only giving me credit for XXXX. I have contacted them about this repeatedly over the past two years. The old excuse was it would take a few months to update. The current excuse is that USDOE does the payment count for TEPSLF. I submitted a request for reconsideration with Federal Student Aid last month and have heard nothing. The NYS AG filed a lawsuit against Fedloan Servicing and the agreement states that borrowers are entitled to a recount of payments. After waiting on hold for over two and a half hours today, the representative claimed that I can not request a review or recount, which is in violation of the lawsuit agreement. I want my payments recounted and I want credit for XXXX. I believe I would qualify for PSLF if my payments were accurately counted.
Consumer complaint received 2022-08-09
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: Synovus Bank (GA)

The inquiries and companies listed are unauthorized and unrecognizable. There is now a lock on my credit as well. 
-XXXX XXXX  ; Inquiry Date XX/XX/XXXX -XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX -XXXX XXXXXXXX ; XXXX Date XX/XX/XXXX XXXX ; Inquiry Date : XX/XX/XXXX -SYNOVUS BANK ; Inquiry Date XX/XX/XXXX -XXXX  XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2016-10-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (GA)

Have ask several times for receipt from this company to make sure they are a real company and that I have payed them and will not have to hear from them again but they will not send me a receipt. Keep saying that they made a note of it but I have not received a receipt.
Consumer complaint received 2024-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (WV)

I applied for a vehicle loan in XX/XX/XXXX through XXXX XXXX XXXX XXXX for a vehicle. Truist was the financial institution that was chosen for the loan. In the beginning of XX/XX/XXXX I received a 'bill ' in the mail letting me know my first payment was due. I logged on to their website and paid the amount by/before the due date. While there I decided to sign up for paperless billing. I also looked around to see if I could setup an auto pay. I was not able to find autopay but I figured electronic billing ( email ) would be enough of a reminder, FOR NOW, to make sure I kept up with the payments. 

Today, XX/XX/XXXX, I realized that i hadn't received a paper bill yet for said auto loan. I went to my XXXX account and searched for any email from Truist ... I did not have one letting me know I had an upcoming payment due or any electronic statements. I logged into the website and saw that I had an upcoming payment due on XX/XX/XXXX. Needless to say I was not happy. 

I called customer support and spent ~1hr with them as they tried to help me setup alerts/ notifications/ etc. After wasting an hour of my time I was informed that 'this type of loan ' was not yet able to send alerts or notifications about upcoming bills. While I was very unhappy/ confused to hear this... I asked about setting up an auto payment. Again I was told that this type of account did not currently have access to these features. I asked to speak to a manager ... after another 5 minutes I was told that one was not available. 

So to recap. I DID NOT receive an electronic statement ( nor did I receive a physical one ). I CAN NOT setup alerts about upcoming due dates. I CAN NOT setup automatic payments. I was not able to speak to a manager about my concerns/frustrations. 

I find it abhoredly unacceptable that Truist is essentially not providing me any real consumer tools to be informed and manage my payment to them on time. It seems as if they are hoping I will drop the ball so I can pay a fee ( and take a hit to my credit score ). And I am even more frustrated because this is an auto loan and I don't know how to transfer institutions ( like I could with my checking/savings/investments/mortgage/etc ) ..so I feel stuck.
Consumer complaint received 2016-06-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (SC)

I recently bought a home in XXXX, SC. I informed lender that I would be applying for state residency, and when residency was achieved, my property tax would be drastically reduced, so the amount of monthly escrow would need to be adjusted. Lender said no problem, he would put me in touch with financial department and they would get it done. Upon closing, my mortgage was sold to another lender. Residency was achieved. Lender refused to adjust my escrow payments. This is THEFT.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America XXXX. Misleading advertising. " Introductory APR '' " 0 % for 12 billing cycles '' One would think the card has 0 % for 12 months. However, fine print states that " Applies to any balance transfers made within 60 days of opening your account '' and it ONLY applies to balance transfers, not to purchases. Very misleading.
Consumer complaint received 2017-03-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Porfolio Recovery Associates have been harassing me via my cell phone. I 've sent certified mail with signature requesting VARIFICATION and have n't received anything in return. I have also disputed this through all three credit bureaus and they 've all writing back saying this account has been verified without any back-up document.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports and as I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$30000.00}
Consumer complaint received 2016-03-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (IL)

I had a foreclosure on a home XX/XX/XXXX and I walked away from the home. The home was sold XX/XX/XXXX. I purchased a new home XX/XX/XXXX and I have a judgement on my new home that I just purchased. The judgement is from US Bank National Association as Trustee Pooling # XXXX Dist # XXXX. Iwould like to know how can they come back years later and do this.
Consumer complaint received 2015-06-19
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I was in XXXX which I have easily proven - it caused me to fall behind on my accounts. My credit card and ck-ing account were tapped out ; yet, I kept up my payments like clock work. When I mailed a postal money order to my local branch, they much later informed me that their post office box was robbed. Leaving me out $ XXXX, which would have made me in the positive with the ch-ing account and a credit card payment made. I went around in circles with them and the post office over the matter. The post office gave me a form that both me and the bank were supposed to sign in order for the post office to refund the money to me. They apparently refused to corroborate. I can not afford any more games or time in this matter. I will, at this time, submit proving I bought and payed for a money with the banks information placed in the right place and mailed to them in a timely fashion. I 'll also leave my contact information looking forward to hearing from someone soon. I have been a member of this bank before they bought out the other credit union they replaced. The bank is Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX basic number is ( XXXX ) XXXX. The lady who did me dirty is called XXXX. I live at XXXX XXXX XXXX XXXX Ca. XXXX, and my phone number is XXXX XXXX XXXX XXXX. My e-mail is XXXXXXXXXXXX
Consumer complaint received 2020-10-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal account information from my credit report. However, after various formal certified FCRA mail disputes they continue to ignore my request. This information does not belong to me and they have failed to show me how they officially validated this false account. 

US DEPT OF EDUCATION ; Amount : {$9800.00}. Date opened : XX/XX/XXXX. 
XXXX XX/XX/XXXX ; Amount : {$1900.00} Date opened : XX/XX/XXXX.
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

2. The following personal information is incorrect Name : XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX XXXX
Consumer complaint received 2016-09-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (AL)

I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, Al XXXX. 

Please give explanation, as to why your company failed to produce and provide, itemized mortgage statements for XXXX and XXXX of 2015. In the multiple correspondences, never has your company produced, or provided those two months, EVER. Do they exist? 

Immediately stop foreclosure proceedings, and fix all errors.
Consumer complaint received 2016-06-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: California Business Bureau, Inc. (CA)

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt. On XXXX/XXXX/2016 i mailed a request to Validate the Debt via Priority Mail via the USPS. 

On XXXX/XXXX/2016 I received a notice from the collection agency stating that the did indeed receive and completed a Consumer Dispute Verification. 

This is a violation of the Fair Debt Collections Practices Act ( FDCPA ), the FCRA, and Federal and State statutes for fraudulent slander of credit and illegal reporting activities. 

Under California Civil Code 1785.26 a collection agency is to notify me within 30 days of reporting a collection account to my Credit report. Since they have failed to notify me of this, by phone or registered mail they are in violation of this code.
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY (CA)

Our small business signed up for a business bank account. With it, came a credit card for " no additional fee '' as quoted by our Wells Fargo Banker. A year later, the card gets hit with a {$50.00} Rewards Membership Fee, a program to which we never opted in. After discussing with a representative, the program auto-renews every year without notice, and requires that the account holder call and opt-out of the program to avoid a {$50.00} annual membership fee. This is just an example of the deceiving practices still used by banks and credit card bureaus. Luckily no money was ever spent on the card, so we noticed this, but applying the automatic renewal charges like this to a business card is sneaky and an easy way for banks to collect additional revenue. The bank removed this charge " as a courtesy '' but did n't view this as it 's responsibility.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I contacted XXXX XXXX  about account ( XXXX ) which states that I owe them {$6600.00} however the account is clearly fraudulent seeing how they had none of my correct information such as the correct address, my phone number or my email address.
Consumer complaint received 2015-10-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I 've been requesting my annual credit report and have not received anything fromTrans-Union after requesting me to submit qualifying documents, in which I submit copies of my Drivers license, Military ID, Utility bill and a copy of my SSN, all this since XXXX XXXX, 2015 and have not received nothing from.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I was part of the data breach settlement with Experian. On my report they claimed that I was awarded four different monetary amounts : {$2800.00} on XXXX, {$2400.00} on XXXX, {$1400.00} on XXXX and {$1000.00} on XXXX. This was posted on my Experian report and yet I have not received any of this settlements payouts. I have been trying to speak with a live person but, only get their recorded messages. I would like to know where this money is and how to obtain my settlement? 

Thank you for your assistants in this matter. 

XXXX XXXX