davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I started a loan modification with XXXX XXXX in 2011 which was supposed to combine a XXXX & XXXX. I was making payment under a trial period until they qualified me for the modification. Niine months into the process they sold the loan to SLS after 9 month of making payments which never reduced my principle balance and also they reported me late during the time I was making the agreed payments. SLS service called me and said they were starting foreclosure because I had n't made a payment in 9 months. I hired an attorney and all they agreed to do was start another modification. I agreed because I was afraid of losing my home.I was told I 'd only have XXXX mortgage so I assumed when XXXX sold the serving it included both the XXXX and XXXX because they were differing ,XXXX of the {$26000.00} I owed on the XXXX. Now the loan has been transferred once again to XXXX and they are stating the deferred amount is {$24000.00} which is {$10000.00} more than I agreed to in the signed loan modification agreement with SLS. My rate is 7 % so I 'm trying to refinance my loan with a lender I know. I 've been told I have XXXX liens against my property and XXXX of them was a XXXX from XXXX. I requested my note from XXXX over 45 days ago and they still have n't provided it. XXXX reported to the credit bureaus ' that the original XXXX was paid and closed that is why I thought it was transfer to SLS and was the deferred portion of my current payoff. How can they do this? Say it 's paid and closed and refuse to provide me with a lien release. They are holding me hostage so I 'm not able to refinance to a lower rate. My complaint involves XXXX companies XXXX ( original lender ), SLS ( XXXX servicer of my loan and loan modification provider ), XXXX ( current servicer of my note which they have refused to provide in a timely manner and have added XXXX to the deferred portion of my payoff, which was not supposed to collect interest.
Consumer complaint received 2023-04-08
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: Mr. Cooper Group Inc. (NJ)

In XXXX I reported a dispute with CFPB complaint ID XXXX in regards to XXXX reporting that my mortgage account was closed. Within 48 hours of the complaint my credit score went up but XXXX still had it as closed. Today XX/XX/XXXX I checked my credit score an saw that it changed. I investigated an found that XXXX had the account removed from my credit.XXXX XXXX an XXXX never had it as closed or removed. I contacted XXXX an they said that Nationstar ( my LSP ) had told them that it was deleted. Keep in mind that my wife is also on the account an has not been effected at all. Im at my wits end with this company. According to XXXX they remove closed accounts after 7 years.
Consumer complaint received 2016-03-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC (IN)

Lakeview Loan Servicing sent me a letter via XXXX soliciting me to refinance my mortgage. The letter implies that they have taken over the loan from my current mortgage holder XXXX. I do n't believe this is true. The solicitation via XXXX and the implication that they are now my mortgage holder and therefore can offer me special terms for refinance are misleading. In addition, the offer has a deadline of XXXX/XXXX/XXXX. Why the urgency of a XXXX mailing and a stated deadline if the changes to the FHA Streamline Refinance Program were announced XXXX/XXXX/XXXX? The whole thing - the approach, the offer, the terms - is packaged in a way to confuse and mislead.
Consumer complaint received 2019-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Midland Funding also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If Midland Funding is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.
Consumer complaint received 2016-08-03
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ALKAN MORTGAGE CORPORATION (FL)

I was interested to finding out information about purchasing a home and sought to speak with a load specialist company, and was approached via XXXX by Certified Mortgage Planners. 

They misrepresented when my credit would be checked and how many times it would be checked. My credit had been pulled twice ( XXXX XXXX/XXXX/2016, then again on XXXX/XXXX/2016 ) despite the fact that I was told by them that it would only be pulled once after consenting. 

They misrepresented the role student debt would play in my application, first stating that my student loans were not a problem on XXXX/XXXX/2016 but then provided directly conflicting information, stating that they were a problem per our conversation on XXXX/XXXX/2016. 

They told me on XXXX/XXXX/2016 that I was no longer eligible to be pre-qualified for the discussed amount and that would need to wait 30 days in hopes for my credit score to go up to XXXX " so maybe we can work something out '', when their decision to pull my credit twice, the first time without my consent or authorization and in direct conflict with my directive, may have directly adverse consequences on the score. 

I then consulted directly with the Consumer Financial Protections Bureau, which guided me to inform the mortgage planning company and the credit company, Certified Credit Reporting, to have them correct and withdraw XXXX of the credit inquiries there were done on my credit. 

I contacted Certified Mortgage Planners with a formal request to correct and withdraw XXXX of the credit inquiries related to my inquiry into financing a home purchase via email on XXXX/XXXX/2016, never got a response back. 

Then I proceeded to contact the credit company, Certified Credit Reporting, to explain the situation and was given to a run around without a straight answer but to email ( sent on XXXX/XXXX/16 ) the manager, a XXXX XXXX, because she was the only one that could send out the paper to the credit bureaus in order to correct and withdraw both of the credit inquiries. She proceeded to contact me when I was unavailable, and when I called back the number she provided, then she was unavailable. 

As of today, XXXX/XXXX/2016, the has been no resolution and the credit inquiries are still showing in my credit reports.
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices by denying XXXX a loan modification for which they qualify for and not serving in the best interest of their Loan Investor and denying the Homeowner a fair opportunity to keep their home.
Consumer complaint received 2022-02-03
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. (GA)

I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file and listing incorrect payment history ( late payments ) without my permission is a consumer law violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX are accounts opened that are either not mine or reporting incorrectly in the negative. There are several unauthorized hard inquiries that I have no knowledge of nor did I give consent for that either.
Consumer complaint received 2016-01-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (WA)

I currently owe {$54000.00}, my monthly payment is {$500.00} and I make about {$2300.00} per month. My rent is {$1600.00} in addition to other bills. I am unable to make this payment and need assistance as the lender, Discover Student Loans, is unwilling to work with me.
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Loan # XXXXI purchased property approx on 2007 with a pick pay payment finance by XXXX as my primary lender then ; loan was sold to Wellsfargo. Since then I have been trying to requested Wellsfargo to help me modified my loan due payment increment constantly. I hired an attorney to help me with modification process and it still pending ; nothing happened yet. i had been trying for the last XXXX times and lender refused to help. Also was forced to filed ChapterXXXX Bankruptcy to save my home and nothing happened. Lender refused to help me or place me on a better affordable payments and instead my monthly payment increment more and more. It makes very difficult for me to keep my property. I have been cooperating with lender since then but lender is putting me on the spot to loose my property.. I need your help since I do not know what else to do anymore ; I feel that this is a case of a predator lender overcharging me more that even property is worth or I can afford. I have been trying very hard to make payment but Wellsfargo is refusing to help me. If is anything you can do to help me i will appreciate much! I need to keep my house or a lease requested the lender to place me on a affordable modification program.. i am afraid of losing my property that I have been working so hard to keep it. Please help me.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to address the fraudulent accounts associated with my name and identity within your system. I have undergone the necessary steps to process an identity theft investigation, and I am enclosing the Identity Theft Affidavit along with this letter as evidence of my claim. 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, and XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

Im sending to you to follow up that I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removing the erroneous inforitems ation which are being posted in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX - XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 45 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 to 45 days gives a reason to quickly remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the distress caused to me. I have repeatedly tried resolving this issue and I have already filed an FTC report as well as attached my Identity theft Affidavit as well. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-10
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: Marlette Funding, LLC (CT)

I have recently requested that information my credit report be removed to the fact that when I settle with my closed accounts I was promised the removal of closed accounts if I settled with second party agency that house my debts This information was false or misleading and is a direct violation of the consumer law I have stated this many of times and have been ignored repeatedly I just want these closed accounts remove off my credit report immediately from all three bureaus 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section
Consumer complaint received 2016-06-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (VA)

I have a home improvement loan with this company since XXXX XXXX, 2015 and this is a interest free loan for 18 months. This was approved by XXXX XXXX. 
I am suppose to pay BB & T {$250.00} per month for 18 months. 
This amount is suppose to be applied to my principal. After 18 months I pay the remaining balance. 
I have been paying {$250.00} for the last one year. BB & T has been sending me statements stating that only {$9.00} go towards the principal and the rest {$190.00} goes towards the interest. 
I have contacted the company in reference to this issue many times and they state that they can not do anything. 
This is the way the statements are printed. 
On XXXX XXXX I spoke with the manager ( XXXX XXXX ) and she promised that she will investigate it and call me back. It has been a month and I have not received any response yet. 
I had notified the sales rep from the contracting company ( XXXX XXXX ) who had offered me financing through BB & T home improvement. 
I had notified the accounts payable manager and told her that the consumer should have a clear statement of what the client has paid and what they owe at the end of the term. 
This is unacceptable. 
The contractor was notified that they should not use this company anymore in order to sell their product.
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (TX)

The company billed me extra {$260.00} last month and they have not provided any explanation why? I do not know what happened to my money as it was not included in payment. I asked them to correct the mistake but they have keep saying they are working on it! I am greeting tired of mistakes of this company and their costumer care. there should be a penalty for such companies who waste people time and money. I wish I was able to change my mortgage company.
Consumer complaint received 2016-06-06
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: FIRST HORIZON BANK (TN)

I closed on a HELOC and was charged 2 times for closing costs ; Please investigate this bank- I filed a complaint with the consumer protection bureau regarding the processing of the loan before it closed and after it closed they made ANOTHER mistake that I just discovered, which was charge me 2 times for closing costs. The complaint I filed with the Consumer Protection Bureau was related to another matter, NOT this matter ; First Tennessee Bank is a financial institution that should be able to close a loan without mistakes. This is the XXXX mistake and almost {$4000.00} in their favor ; Where is this money? Who spent it? Where is the internal audit department at the bank and why did they not see they charged me two times for the closing costs? Why have they not contacted me to issue a refund? How can a bank balance their balance sheets with a {$4000.00} error in their favor and not research to determine the sources of the overage in their ledgers? Why not reach out to the customer to admit a mistake? Perhaps they charged me twice as a means of revenge as a result of the complaint I filed with the Consumer Protection Bureau. This bank needs to be audited by the Government- If they miss a {$4000.00} error, what XXXX customers have they taken advantage of? 

Thank you for looking into this matter, XXXX XXXX
Consumer complaint received 2019-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I just downloaded a copy of my credit report as reported by Transunion. I discovered that I have a victim of Transunion credit breach and their inquiry errors breach. Therefore, I have called Transunion earlier today, after noticing that I have been a victim of having the inquiries on my files, which are not mine. I just called at XXXX XXXX CST and was on the phone with the customer services representative for 20 minutes. Even after my explanation that I have not conducted business with the companies, whose inquiries are appearing on my credit file. She instead instructed me to get hold of these companies, myself at the contact info. provided in the credit file. There are 15 inquiries, not made by me. She instructed me to get hold of these companies on my own and get a letter of deletion from them. Despite my request and affirmation that I have not authorized these inquiries nor have conducted the business with these companies. She refused to help and stated that it the company policy to not remove these inquiries, even it might be Transunion fault, Transunion computer breach or someone's fraudulent attempt to obtain the credit under my name.
Consumer complaint received 2015-04-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (KY)

My ATM card was cancelled because a merchant I bought something from had their computer financial system compromised. US Bank would not tell me which merchant it was. That ATM was connected to auto-bill payments. I went to the bank branch and called the Bank on the phone repeatedly and asked which billers were connected to the ATM card and was told none were. Then I got a notice from XXXX XXXX that the payment authorization was declined. I called US Bank again and then finally got someone from online banking who gave me a list of companies with automatic reoccurring bill payments that were connected to the old card. Why did n't US Bank give me this information the first time I asked for it so I could take care of this problem and avoid getting late fees and possibly have my credit compromised? Why does n't US Bank have a system to transfer reoccurring payments from XXXX ATM card to the next when the old card gets compromised? Why do n't they tell us who is the merchant who is not protecting our financial information so that we can avoid using them again?
Consumer complaint received 2024-02-16
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

When purchasing items through promotional deferred interest for 6 months and If I returned the item and received full refund/credit. The refund credit is applied as a general credit and does not cancel out the deferred interest balance plan, thus causing interest to be charged if the balance is not paid off in the specified period. 

Synchrony bank is charging interest on items that have been returned months later and not applying the refund back into the promotional balance thus not canceling the interest deferral