davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (KY)

( 1 ) I have filed XXXX PREVIOUS complaints against GREENTREE Servicing : XXXX were in XXXX XXXX & XXXX were in XXXX for their harassing collections, lies and fraudulent practices ( 2 ) To this day they continue to fail to honor every agreement - both oral & written ( 3 ) I first began the XXXX Deed-in-Lieu program in XXXX XXXX - but had to restart it XXXX TIMES because they kept losing the paperwork, accused me of " withdrawing '' & then REFUSED to return my calls ( 4 ) At XXXX time I had XXXX different Greentree Departments/Reps calling me telling me different things - including COLLECTIONS!! ( 5 ) Finally, after PROVING with my RECORDS & TRACKING NUMBERS that THEY were the ones in the WRONG I completed MY end of the paperwork on XXXX XXXX, XXXX - I had to go thru the appraisals, lease agreement & meeting with the property management company XXXX TIMES ( 6 ) THEN I was contacted by a XXXX. & told I needed to vacate the property by XXXX XXXX ( 7 ) Greentree had told me from the beginning & ALL of the paperwork states that the 90 day lease period I was entitled to per the program rules, would NOT BEGIN UNTIL GREENTREE SIGNED THE PAPERWORK & FILED IT WITH XXXX XXXX CLERK to TRANSFER THE DEED ( after all, how can one 'lease ' property that is still legally hers? ) ( 8 ) ALSO : both ORALLY & in the WRITTEN AGREEMENT Greentree stated I would receive the {$3000.00} ReLocation Assistance AT THE TIME I VACATED PROPERTY ( 9 ) I have been out of the property since the deadline THEY GAVE ME, however, I just found out they did NOT sign and/or file the deed transfer with the XXXX clerk until XXXX XXXX! and I STILL HAVE NOT RECEIVED THE {$3000.00}!!!!!!!!!!!!!!!! ( 10 ) I have had to put all of my things in storage, I am displaced because I do not have that relocation assistance AND NOW I will have to move it TWICE. ( 11 ) I have done EVERYTHING they ever told me to do! I have answered EVERY PHONE CALL! I have followed up with them when I did n't hear from them in the allotted time frame! For example, in XXXX, when everything was supposed to be finalizing & I was trying to stay on top of it because of the previous XXXX TIMES, I tried calling both my Greentree Rep " XXXX '' and her supervisor (? - have it in my notes which are in storage ) TWENTY-ONE TIMES in less than two weeks - they NEVER CALLED ME BACK. EVER. To this day. ( 12 ) Essentially, the bottom line is : I was forced to leave my property XXXX MONTHS EARLY and I STILL HAVE NOT RECEIVED the relocation funds - which is already eaten up - I have NO RELOCATION FUNDS. ( 13 ) This company is a DISGRACE. It is horrible & demeaning. They are PROVEN LIARS and FRAUDS.
Consumer complaint received 2016-11-23
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Sortis Financial, Inc. (MS)

I got a loan from XXXX they informed me that it was an interest only loan the representative informed me of this over and over that I would be able to pay the loan at an interest only at any time without a problem and that the loan can be renewed with no problem. The representative left the company and I got a new rep who informed me that this was not the case and that I would have to refinance the loan and pay more fees. I got one package for a small amount to renew and every time I would get a package he would increase the fees more and more in order to make an even higher commission or percentage on the loan what showed a few XXXX dollars ended up being over {$3700.00} after numerous changes he continued to make. I was forced into getting another loan by getting an appraisal prior to this I was never late on my loan until the loan matured owing {$23000.00} it 's only been XXXX months and I was told I now owe {$46000.00} after XXXX months of non payment. The lender agent gave a loan on false basis and lied constantly about the terms of the loan. I was informed on many occasions that the loan would be renewed on interest only. I later received a copy of an email that was circulated by that XXXX my new account representative explaining to many people involved in the processing of my loan such as the closure using derogatory remarks such as " I was full of it '' and that he deliberately and intensionally refused the renewal because of his personal opinion which was a discriminating action on his part when I did not take the loan I received a nasty email stating he will not renew the loan of interest only therefore causing me to go into default with XXXX I was discriminated based on personal opinion of me as the emails he was sending will show. Therefore causing the loan to escalate into default intentionally. Also causing me to pay double in what was originally owed. At this current time I am in default with Clear Springs the loan servicer regarding this reckless intentional act on his part. When I did not want to take the new term on his terms and was not ready financially due to the recent injury of my father he was angry and refused to renew the interest only with the mortgage servicing company. The employees are advising many borrowers that they can have these loans on interest only and then bait and switch when a person or company does not want a new loan on different terms or chooses to have you owing an even higher amount in order to keep you in debt for a longer period than originally agreed due to high fees not originally agreed and terms that changed in order to benefit them and not the consumer.
Consumer complaint received 2022-07-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The account with XXXX had to be closed because there were fraudulent charges and the company racked up fees and delinquency charges while we attempted to negotiate with them over the fraudulent issue. A hotel manager in the XXXX XXXX forced us ( at threat of physical harm ) to pay our bill, even though the entire stay had been prepaid through XXXX. XXXX 's fraud protection should have covered the risk but they refused to reverse it. Their response to our claim is that no information was provided showing the bill ; however proof of payment ( see attached ) was provided to them in 2019 showing the hotel was paid through XXXX, and then paid again with the XXXX card when we left. 
Additionally, this merchant was the ONLY creditor who did not agree to work with us in 2019 when we had a job loss in the family. As you can see by the credit report, all other creditors closed the accounts and set up payment plans for us. XXXX was the only creditor who did not offer assistance or a payment plan. As you can see there are NO late payments showing for the creditors we worked with at the time of the job loss. All were contacted and offered monthly payments. XXXX refused to reverse the fraudulent charge covered by the card terms and conditions ; they assessed delinquencies fees and reported lates to the credit bureau while we were attempting to work out payment on the account. This put the balance into an " over the limit '' status and even higher interest rates were charged. 
XXXX did not uphold the terms of the card agreement, and engaged in usery by tacking on higher than normal interest rates and fees while the account was in dispute. We were taken advantage of by a company who tried to profit off our hardships.
Consumer complaint received 2015-10-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (PA)

In XXXX of 2015 I wrote to my card company about an ongoing problem which I had originally called about on four previous occassions. I had requested the no interest financing program, yet the company continued to assess finance charges. At the end of the fiancing period I wrote a check for the full amount, less interest and sent the check along with a letter to the president of the company. 

Since then I have not received a written response to my dispute letter and the company cashed my restictively endorsed check. Since then I have called three more times requesting a written response which I still am waiting for. 

I have stopped making payments on an existing program pending their response and resolution of my dispute. However, I have begun to receive collection calls and letters.
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanSnap, Inc. (CA)

Summary : LoanSnap sold a loan to XXXX that had been paid in full and LoanSnap no longer owned. Now I am being harassed by XXXX for payment despite the title company verifying LoanSnap received full payment before selling my loan. 

1. On XX/XX/2022 I refinanced my LoanSnap home loan with XXXXXXXX XXXX XXXXXXXX. I received a confirmation from XXXXXXXX XXXX XXXX company stating payoff funds were wired to LoanSnap.

2. On XXXX, XXXX took ownership of my LoanSnap home loan. This was confirmed in a phone conversation with XXXX/LoanSnap and XXXX on XX/XX/2022. 
3. On XX/XX/2022, XXXX sent me a mortgage loan statement with a loan payment due date of XX/XX/2022. 
4. On XX/XX/2022 I emailed XXXX XXXX with LoanSnap requesting records be updated to show my LoanSnap loan was closed. 
5. On XX/XX/2022, XXXX XXXX responded stating " This has been handled and sorry for the confusion. You will not receive any more email regarding payments. '' XXXX. On XX/XX/2022, I called XXXX and they confirmed that my loan was still open and payment was due by XX/XX/2022. I emailed XXXX XXXX documenting that XXXX loan is open, active, and was never paid in full by LoanSnap. 
7. On XX/XX/2022, XXXX with LoanSnap sent me an email stating they would pay the loan in 3-5 business days.
Consumer complaint received 2020-09-10
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. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I deposited a cashier check in the amount of {$120000.00} on XX/XX/2022. I was notified that the deposited was on hold. When I called customer service at Wells Fargo, I was told that the payee bank ( XXXX Bank XXXX had put a hold on the funds. I called XXXX Bank and was informed that there was no hold and there was no issue with check. I called back Wells Fargo and now was told that because my checking account was new the funds were put on hold. As of now, the check has cleared XXXX Bank but still Wells Fargo is holding the fund and not crediting my checking account. I have been advised that the funds will become available on XX/XX/2022. This fund was from a home equity line of credit loan that I am paying interest on while Wells Fargo sits on my money. Also, because of the hold, I have had a transfer returned for NSF and paid a fee.
Consumer complaint received 2020-10-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Yamaha Motor Finance Corporation USA (CO)

This reporting is in error. Yamaha never serviced this account but instead had a 3rd party processor who was never disclosed. Over the life of the loan, which has been paid off as of XX/XX/2020, I never received a single notice of past due or late payments via any means. After calling Yamaha when this was reported to my bureau they said the balance was in fact XXXX  and showed no outstanding balance or delinquent balance. Further, they issued me a refund check in XXXX for an over-payment of {$15.00} on XX/XX/XXXX. How could I have a past due, outstanding balance when they issued the payoff value, never notified me of any payment issue and sent me a refund? The payoff was made, in full, back in XX/XX/2020. My bureau shows all payments in green status of paid since the servicing was changed in XX/XX/2020. This is an unfair credit reporting act and there is no data to substantiate a late pay or past due balance at any time.
Consumer complaint received 2016-03-30
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo Bank sent a false loan verification over to XXXX XXXX in XXXX stating that I took out a loan in the amount of {$420.00}. In fact the loan was canceled in XXXX and I have proof of it, while providing that proof to the bank they have refused to send the money back that was taken. They have also retaliated by submitting false information to the credit bureau stating that this account was late and defaulted by reporting rolling XXXX lates to all three agencies. I have since disputed asking for the note that was signed for this loan amount of which they have not been able to provide.
Consumer complaint received 2021-02-25
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. (PA)

My Name is XXXX XXXX XXXX please have it reflect that way on my report I have attached my passport for identity purposes. Please remove any other addresses expect for XXXX XXXX XXXX XXXX PA XXXX.
Consumer complaint received 2015-11-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS Loan # XXXX XXXX XXXX XXXX, XXXX CA XXXXPlease also refer to CFPB complaint Filed XXXX/XXXX/2015 - Case # XXXX - docs attached. 

Short Sale was faxed to SPS on XXXX/XXXX/2015. 
On XXXX/XXXX/2015 we had to file a CFPB because SPS never offered the homeowner any alternatives to foreclosure, and was refusing to entertain the possibility of a short sale - which is a violation of the California 's Home Owners Bill of Rights. 

They have since postponed the foreclosure and claim to be working on the short sale. SPS obviously uses the term 'working ' lightly .... 

XX/XX/XXXX We received a counter offer from SPS. 
XX/XX/XXXX We submitted the buyers response to SPS. 
XX/XX/XXXX SPS requested a line item on the HUD to be removed. 
XX/XX/XXXX ( SAME DAY ) We submitted the HUD with the requested correction. 
XX/XX/XXXX SPS said the HUD was received and uploaded to their system on XX/XX/XXXX. 
XX/XX/XXXX Today we spoke with XXXX XXXX at SPS. XXXX claims that they have 30 days from the time the last document was received to get an answer. XXXX says it will take that long to get a response on our counter as it has to go through " full short sale review ''. We told her it does not, by the time they issue us a counter offer they have already preformed the borrower eligibility review and the value review on the property and they know what they want to net. We told her they are outside of federally mandated timeframe and will be happy to file a CFPB complaint to get them fined and request it to move along at a more reasonable pace. She THEN claimed that they take five business days to review any document. We told her that today it has been five days, as according to SPS in the phone call on XX/XX/XXXX, the document was uploaded on XX/XX/XXXX She THEN claimed it was not uploaded until XX/XX/XXXX. 

It is obvious SPS fully intends to drag this out for 30 days. SPS has continually lied on this file and to the homeowner - This is also likely a violation of the Fair Debt Collection Act. This reinforces our comments on our original complaint - Case # XXXX. We find it disingenuous that the ombudsman would make the claims they made on the previous complaint, in light of these continued lies. 

It is also quite obvious that SPS has become an illegal foreclosure mill and has trained their staff in the art of lies and deceit. ****I find odd that when cornered, the employees of SPS change the date in which docs were received and uploaded into their system. **** I also find it odd that they can restart the short sale process whenever they request a change to any document or receive any new document -even if it is only a simple spelling change to an Estimated HUD . 

Is this being done to defraud their servicer? The community? The borrower? Or all of the above? 

After viewing the CFPB 's own website and the internet, it is obvious that this is happening to others thousands of times per month. Should n't the CFPB step in and stop this as per their mandate?
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (SD)

I was terminated from XXXX XXXX XXXX last year ( XXXX ) and entered into a relocation reimbursement contract with them before my termination to open a new store on their behalf. In the contract I signed, it states I would have to pay the amount back for my move back to XXXX if : a ) I terminate my employment with XXXX, or b ) XXXX terminates my employment for " Gross Misconduct ''. 

I have supporting documents attached from XXXX Human Resources department explicitly stating I was not terminated for " Gross Misconduct ''. I also have attached emails from other departments in XXXX ignoring my replies to this complaint. XXXX sent this to a collection agency ( attorney office of Caine and Weiner ) after my dispute with no resolution. When I first received notice from Caie and Weiner, I mailed their office a letter disputing this debt, but am still receiving numerous calls and emails trying to collect from me. This has also severely affected my credit score and I do not have the funds to hire an attorney to resolve this matter. 

The amount attempted to collect : {$7500.00} Collector : Caine and Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Attn : XXXX XXXX File # XXXX Please find the supporting documents attached to this complaint.
Consumer complaint received 2023-04-05
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. (WA)

Mailed via certified mail an identity theft report with a hand written letter, a copy of my drivers license and social security number as well as the fraudulent accounts highlighted on my credit report to XXXX ( received XXXX XXXX ) and Transunion ( received XXXX XXXX ). Both companies have refused to remove the hard inquiries that occurred during the incident of identity theft as well as the student loan accounts. They have closed out the dispute without removing all information associated with the identity theft. I have called to follow up with XXXX on XX/XX/XXXX and was told I needed to file an additional FTC report to get the hard inquiries removed. I followed up with Transunion on XX/XX/XXXX and was told that they can not remove the hard inquiries and that I have to take it up with the credit companies.
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (WA)

Discover Card closed my account without my consent or notice. It is a credit card I kept active due to the higher credit limit on it, and it was one of my longer held accounts which has an overall affect on my credit score. I am extremely disappointed that credit companies are allowed to do this, knowing the way the credit scoring system is set up, and the detrimental damage it can cause to the consumer! This policy that these companies can use to close dormant accounts needs to be changed!
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (TX)

I went to the car dealership to purchase a car and I was told they would only run my credit for XXXX  However, I did not give written authorization to any of these hard inquires below, someone must have ran my credit multiple times without my permission or written consent therefore I need these removed/deleted from my credit. I tried running disputes and sending letters and they wont remove them. They didn't provide any proof showing I gave written consent nor did the credit bureaus provide evidence of their investigation that asked for. 

Please remove/delete these Credit inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (IN)

I opened a new auto loan in XXXX on a XXXX Ford. The auto loan is with Ford Credit. The account has been current. In XXXX I called Ford and told them my XXXX payment would be late. On XXXX I mailed my XXXX payment. I called Ford on XX/XX/XXXX to advise them the payment has been mailed. Ford Credit put a negative rating on my credit and my wifes. This lowered our credit score In a very negative way. I called Ford on XX/XX/XXXX and asked them to remove it or work with me. They said no and the supervisor was unable to speak with me. I left a message For the supervisor and no one has called me back. COVID legislation section 4021 consumer protection provides protection to the credit score during a national emergency which is still declared. Ford Credit was advised this and did not work with me on the loan or credit  reporting. Thank you
Consumer complaint received 2015-08-10
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (NY)

The Defendant has engaged XXXX XXXX XXXX to collect alleged debts against me. They declared a fraudulent venue of XXXX County as the place to bring the case when I did not reside in that County. They then allowed phony affidavits of service to be filed knowing that no such people resided at the addresses in question. They site an " XXXX XXXX '' that does not exist as receiving the service. They then cite a neighbor " XXXX XXXX '' as substantiating the information. None of this is true and it was all designed to file default judgments without any opportunity to defend the underlying action.
Consumer complaint received 2022-01-20
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. (PA)

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 2022-01-20
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: EQUIFAX, INC. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate.