davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-09
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MD)

My mortgage servicer did not apply my payment in a timely manner and caused me to be delinquent per their records. My bank confirmed the draft check ( sent by my bank - see below ) was received by SLS on XXXX/XXXX/2016. SLS did not process the payment until XX/XX/XXXX - after the late fee cutoff. My scheduled payment of {$11000.00} was placed in suspense on XX/XX/XXXX and not applied. I was current on the account and have been for 10 years. My payment is still in suspense and I received a default notice today showing my un-applied funds and a late fee of {$560.00}. I called customer service and was passed to an executive queue, where SLS confirmed that their cashiering department put my payment into suspense and would open a research ticket!!!! I should call back in 2-3 days!!!! This is an issue that should have been resolved on the spot. I have been forced to send my payment via normal mail and am concerned that it will be processed in the same manner this month. This is poor customer service and appears to be a non-compliant process - not posting funds when a complete P & I payment is in hand. 

Note : SLS does n't accept borrower initiated ACH payments anymore - my banks, both XXXX XXXX XXXX and XXXX XXXX XXXX, both confirmed SLS will not accept electronic payments and instead the Banks have to cut a Draft Check for mailing to SLS. SLS offers ACH - only if you sign up for one account on a specific day so SLS can draft at their initiative. They offer XXXX XXXX for {$9.00} a payment after the XXXX of the month. These are not acceptable options in today 's world, not convenient for me and provides me no flexibility to pay ( 1 ) on any day prior to the end of the 15 day grace period from month to month, and ( 2 ) from any of my accounts from month to month. I was able to make my payments easily before XX/XX/XXXX - and now a business practice has caused a delinquency issue, all the while they had my funds
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 — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MN)

The following credit inquiries currently listed on my XXXX credit report are fraudulent and unauthorized : SYNCB/AMAZON XXXX XXXX Date of Inquiry : XX/XX/XXXX and XXXX, Date of Inquiry : XX/XX/XXXX. I did not apply for credit or authorize Synchrony Bank or XXXX to pull my XXXX credit report.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (NY)

I have contacted Santander trying to resolve this matter for years now. I was scammed with this vehicle as it was a lemon crashed and fixed sold as new. I had this car repossessed due to Finamcial Issues and was given an offer for {$300.00} but they refuse to after payment is complete remove the negative information. This is incorrect as I asked for a pay for deletion. This balance of XXXX is due to fees and all this other miscellaneous stuff they have added on which is unfair to me due to the circumstances of how this all ended.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Ad Astra Recovery Services Inc (OH)

I had applied for a loan and allready paid the amount through the customer service. Now i see a negative credit remark on my credit score and an amount due which has already been paid long time ago. I had been harassed with calls and mails to my address. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet
Consumer complaint received 2015-10-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIGY USA CORP. (NJ)

Just started to receive letters from Credigy, in the letter they stated that I still owe a credit card back since XX/XX/XXXX, I think it 's a credit card which I had from imagine fro which I paid off since XX/XX/XXXX. it was such a long time ago now these people say that I owe XXXX
Consumer complaint received 2022-02-14
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: LEXISNEXIS (WI)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-02-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc (WI)

I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
Consumer complaint received 2015-08-26
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CO)

I leased a vehicle from XXXX XXXX and now would like to purchase the vehicle. My lease contract states N/A for a purchase option fee at the end of the lease. Now they are trying to charge me a {$590.00} processing fee that was not disclosed or agreed to at the time of the initial lease. I would appreciate any help you can give.
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF THE WEST (CA)

My wife and I applied for a HARP loan with Bank of the West and fraudulently misled on the terms of the loan. On the application, we specifically stated that we did not want an escrow/impound account imposed on the loan. During processing, Bank of the West changed our selection by adding an escrow/impound account without informing us. 

While we were at the title company to sign the loan documents, we discovered that contrary to our requirements, the loan provided for the imposition of an escrow/impound account. We immediately refused to sign the loan documents. The notary then called the loan officer at Bank of the West who assured us that the issue of the escrow/impound account would be resolved at a later time and urged us to sign the papers. If we were not given this assurance, we would not have signed the papers and would have backed out of the loan. 

We attempted to resolve the issue with Bank of the West. The bank told us that for this type of loan, an escrow/impound account was required by bank policy. If the escrow/impound account was bank policy, why did n't the loan officer inform us of this when we filled out the paperwork? Moreover, why did the loan officer assure us that the issue would be resolved after we signed the loan papers when he was certainly aware of the bank 's policy? This clearly constitutes fraud or, at a minimum, negligent misrepresentation by Bank of the West.
Consumer complaint received 2022-09-06
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. (NC)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX**** Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (TX)

On XXXX, NCC Business Services , Inc. forwarded me a debt collection letter stating that I owed the XXXX, NV. the amount of {$2500.00}. I indicated that I informed management that I have to relocated back to XXXX due to my leased home being foreclosed on. I presented the foreclosure notice to XXXX XXXX and her manager, with initials XXXX. They both waived any cost and informed me to just clean the apartment which I did. Six months later I received a collection letter stating that I owed the apartment said amount. I stated that the paperwork was fraudulently prepared after I left XXXX XXXX. The lady that prepared the fraudulent paper was named XXXX XXXX. XXXX XXXX told me that the debt was still owed for seven years and that I needed to pay since this was an attempt to collect a debt. XXXX XXXX, NCC Business Services, would not give me the bonding license number for his company. When I ran a debt collection search on his company ; no record appeared. XXXX XXXX told me to file a police report claiming fraud which I did : XXXX. The paper work in this case was fraudulently prepared as an insurance scam. It claimed that I did {$2500.00} of damage to the property but no pictures. This was done after I moved. My name was forged. In XXXX XXXX, I filed a lawsuit and it listed the XXXX as credit entries : civil action no. XXXX. The lawsuit investigation revealed fraud by this company and the entries were removed. At the time of the lawsuit, none of the old XXXX XXXX employees still worked there. There was no way of verifying the debt. I asked XXXX XXXX why after six years was he attempting to collect this debt now and put it back on my credit report. I asked him for the proof of transferring the debt to his collection agency and the name of the person who activated this account on XXXX XXXX, XXXX. He stated that he no longer had time to talk to me and hung up. I immediately contacted XXXX and asked to speak to the old employees. XXXX XXXX stated that none of those individuals worked there and that the property was no longer XXXX XXXX because the old company had been bought out in XXXX. XXXX XXXX stated that the new company was now called XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX is attempting to engage in theft by deception. I would like his company put out of business for fraud.
Consumer complaint received 2017-02-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (LA)

I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called Enhanced Recovery Company. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. Enhanced Recovery Company added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by Enhanced Recovery Company incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (VA)

I submitted a request for home loan modification from Caliber Home Loans on XXXX XXXX, 2015. Caliber send a letter dated XXXX XXXX, 2015 that they received our package and is considered complete and ready for review. They sent a decision letter dated XXXX XXXX, 2015 denying our case, but their denial reason does not make sense. Our income did not allow us to afford our mortgage for the reason stated on our hardship letter, but it was recently increased in XXXX 2015, now our servicer Caliber, stated that because this income increase we can afford our mortgage payments, but did not consider the fact that we can not afford to bring the {$66000.00} default, please help us to obtain a reasonable and common sense review of our request.
Consumer complaint received 2017-01-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions bank withheld a transaction from my account for over 10 days then decided to take the money out when the funds were no longer available. It caused small transactions from XXXX dollars to XXXX dollars to overdraft my account. Causing XXXX dollars in overdraft fees.
Consumer complaint received 2022-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that as a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are  XXXX  wide ranges of credit worthiness, with Transunion varying almost  XXXX  points.  XXXX  shows "  Good '' while Transunion shows " Fair  '', dispite both having the same information. My derogatory credit goes back as far as  XXXX . I have disputed every derogatory remark, with results of removal from record. However they still posted on report.     Here is where the conflict occurs. My credit history has been resto red after over 8 years, yet credit history report reflect  s 4  yrs. and 10 months. Why are negative reports going back to  XXXX  still showing after ov er 20  yrs.!?     Any inquiries that have been resolved and proven paid, still show on payment records.     XXXX   XXXX   XXXX   XXXX  :  XXXX  incurred, paid in  XXXX . Finally acknowledged and disputed in  XXXX  and determined paid, only after requesting  XXXX  send paid verification back in  XXXX ?    XXXX   XXXX  : Initially with   XXXX   XXXX  , then sold to  XXXX , Settled with Deed in Lieu, sol d 2 m ore times to other companies, each time moving time of incurrsion at the date of transfer to other company ( ie.  XXXX ,  XXXX   XXXX   ).      This Debts all " removed ' and inquiry completed and removed with {$0.00} liability. Yet negative reports go as far back as  XXXX ?
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (NV)

Again they sent me and consumerfinance.gov ilegal paperwork after I put in over 40 calls and emails and faxes to deal wtih it and their promse to call, they refuse to call and keep sending this dribble, I am building a case against them and will put this up until XXXX or XXXX and other government agencies have enough to go on from there. Wells Fargo again has committed fraud and embezzlement, they keep sending consumerfinance.gov and me these illegal documents and they do not address my issues, there for I am building a case against them and will put them back up until they pay up, I will not tolerate consumer terrorists. This situation is not over until I get paid, I love how WELLS FARGO sends fraud proof to consumerfinance.gov thinking they can take my rights away, I HAVE PROOF OF THEIR illegal activity and the fact they would not call me to talk about this they sent some shady mail to me that was full of worthless repent and even proved I am right, there are many many issues other ones I can right here as I have not enough room. I was hoping WELLS FARGO would have come its sense and realize that it 's calling ME, the card holder, the consumer and customer a liar. But in essence, knowing full well all the issue we had with identity theft and precautions we need to now take, and knowing full well WELLS FARGO made well over {$350.00} just in 3 months of over 12 months I had the card. I did not complain about the {$10.00} atm charge you charged me every time I used the card or your high interest rates. And I was never late once with my bill. Not to mention I can show with phone records and emails how many times I had to call in to WELLS FARGO to handle simple small issues over and over and over again. I can promise you as well over two hours a week was spent dealing with issues that I was told once I signed the forms would be handled. And they never did, they always came back. As well I also There were several disputes on the card that were active when WELLS FARGO closed the card down. And oddly the card just so happened to equal {$1000.00} which was my deposit. 

I have lost four times over with every company, not only not caring of my extreme identity theft issues, but taking advantage of our situation when we paid our bills and we stayed in contact with each company every issues doing whatever company policies were, but in the end, those things never mattered either. 

So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to XXXX XXXX -
Consumer complaint received 2015-11-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Strategic Alliances, Inc. (TX)

On XXXX/XXXX/15 I requested 1st Financial Investment Fund provide validation for {$100.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (OH)

XXXX XXXX / XXXX / {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (PA)

I've disputed this debt with both the credit bureaus and Enhanced Recovery Company multiple times, and I have received no responses at all from Enhanced Recovery. They continue to report the account on my credit, and have verified it with the credit bureaus. I am entitled to the same information the credit bureaus are when it comes to accounts being reported against me. This information must be erroneous, and they are reporting it, which is a violation of the FCRA. PLEASE HELP ME!
Consumer complaint received 2017-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Sunset Management, Inc (SC)

On  XXXX / XXXX /   2017  I contacte d Sunset Finance o n  XXXX   XXXX  in  XXXX  to apply for a loan over the phone. I spoke with and.  XXXX  who asked whom I was and put me on hold. She came back on the line and stated that " he '' said I could not get a loan with them. She did not take my application or anything. How can u deny me before completing an application?