davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

I 've been trying to close on my property and have a willing buyer. Time is of the essence and I am also in bankruptcy so I need it to close. I have asked green tree to submit payoff information multiple times. I made a payment in this loan XXXX XXXX, 2015 and asked for a payoff for XXXX XXXX at that time. It 's the XXXX of XXXX and their attorney does not have it and I have not received it nor did my title company. I 've called multiple times. I 've emailed them. What else am I supposed to do? They act like time is not of the essence, yet they are the first to send threatening letters when they do n't get a payment. They have no clear way of ordering a payoff or knowing that the order is being processed. The end result if I do n't get this payoff by tomorrow is I 'm going to loose my buyer and the property will go into forclosure all because I 've been trying to contact them to get a payoff that they do n't seem to want to provide or are too incompetent to know what to do. How is it that I have spoken with XXXX different people at green tree and none can give me an answer about my payoff? Do n't they want the property to close? Is time not of the essence for them in this real estate transaction? this company is about the most incompetent financial institution I 've ever dealt with and certainly do not have customer service as a priority. You would think they would have payoff information at their finger tips.
Consumer complaint received 2015-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company (OH)

This company attempted to collect on a XXXX XXXX debt that was paid in full. I contacted XXXX XXXX and researched with them and they were not showing a debt owed to them and could not find where anything was reported to this debt collection company. They were showing I was paid in full especially since I had current services with them. I contacted the debt collected company back and informed them off this and they said they would report it and have it removed. This was in XX/XX/2014. The account RECENTLY has been ADDED back onto my credit report and is showing as an open account and they are attempting to collect on it again.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just turned XXXX TODAY. XXXX XXXX. and i went to the bank to get a student loan as i had an appointment set from the day before. I get there and they tell me that there are things that are preventing me from getting a loan on my credit report like foreclosure and outstanding balances, XXXX like that. I just turned XXXX today so ive never owned a car or house or been convicted of a crime or any of that stuff that they were talking about so i really dont see whats going on. I start school in a week and I need a place to live, which is why i was at the bank for a student loan so i can pay rent on the first otherwise im out on the streets here in florida fresh out of XXXX. I temporarily live with my grandmother and she 's already packed leaving XXXX to return to XXXX. So I need a place to stay. Like i said i just turned XXXX and have no type of credit at all in anyway shape or form so there should be nothing on my credit report in the first place. I dont even have my drivers liscence so i clearly dont own a car or have any repossessions of any type. As i was trying to access my credit report from XXXX it asked me these questions regarding like mortgage and phone numbers i recently had or something when none of that applys to me AT ALL. I JUST TURNED XXXX TODAY MY DATE OF BIRTH IS XX/XX/XXXX. HOW WOULD I OWN A HOUSE AND BE ABLE TO PAY MORTGAGE. I 'VE NEVER EVEN HAD MY FIRST JOB!!!! I honestly have no idea what 's going on and why i cant get a student loan when i have NO CREDIT HISTORY. how are they gon na tell me about my credit history when i 've never had credit in the first place?!????!?!?!?!??!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?! this makes no sense.
Consumer complaint received 2015-09-11
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A. (CA)

I could not find the exact " describe the issue '' choice, but XXXX XXXX threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. 
Said my credit would get a negative report if I did n't pay electronically. 
XXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from XXXX that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. 
I am a XXXX year old totally and permanently XXXX XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to XXXX XXXX when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. 
I agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor Best Buy, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with Best Buy, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told Best Buy this. But after contact by XXXX, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! 

I was harassed, demeaned for my original debt to Best Buy, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses.
Consumer complaint received 2015-08-30
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION (FL)

We are victims of dual tracking while in-review. 
Submitted a completed package, in letter dated XXXX XXXX from BB & T and received XX/XX/XXXX by mail, BB & T asked for updated financials and an additional piece of information - a letter of income contribution from wife of income shown in bank statements in package to be submitted in XXXX days. On XX/XX/XXXX BB & T sent a motion to the court asking to schedule a foreclosure sale. See a copy of the court docket showing a motion sent to the judge asking to schedule a sales date.
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

The USAA Federal Savings Bank stopped providing me with a " completed payment '' list on accounts processed through their USAA web billpay service displayed under the " Recent Payment Activity '' window. All pending payments, including the non-USAA accounts are listed, but the completed payments lists only the USAA accounts. The non-USAA accounts are not listed. The USAA web billpay service deducts payments from my USAA checking account. The failure to list all completed payments does not allow me to track all of my checking account expenditures accurately. This problem has persisted for over two months. I have made several phone calls to USAA to correct this problem. I have spent inordinate amounts of time waiting on the phone to talk with representatives only to receive trouble tickets that go unresolved or are ignored. I have not received any follow-up phone calls, emails or letters from USAA representatives regarding this issue. Trouble tickets issued : # XXXX, # XXXX, # XXXX, # XXXX ... From XXXX/XXXX/2015 through XXXX/XXXX/2015
Consumer complaint received 2015-11-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OR)

On the contract that was signed it has a annual percentage rate of XXXX, amount financed of {$18000.00}, 72 monthly payments at {$510.00} each, and total finance charges of {$18000.00}. Upon trying to do an amorization schedule I discovered that the annual percentage rate being charged was not XXXX but was actually XXXX.
Consumer complaint received 2015-10-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Convergent Resources, Inc. (LA)

I have been getting a lot of calls on my fax phone which I usually do n't answer. I answered and it was Convergent Outsourcing, Inc., a collection agency. They were calling about a XXXX XXXX Bank account. I do n't recall having an account with this company. I am now receiving mail requesting payment in full. I have checked my credit records and if I did have any business with this bank it has come and gone and has surely passed the time limit for being reported to any credit bureaus. I became a total and permanent XXXX veteran quite a few years ago, XXXX hit and I was living on the streets for awhile waiting for my XXXX compensation to start. That took about 13 years. Since then I have worked very hard on cleaning up my credit and at this I only have XXXX derogatory mark which is a paid charge off. I am still working on getting that removed since I have paid it. In all those years there was nothing about this bank. I checked online and found a lot of bad reports about all companies involved XXXX 

What I want to know is do I have to worry about something like this showing up in my credit reports and are there any actions I can take to prevent this.
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX Services is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX 2008, and should be deleted from my credit report because it has now exceeded the 7 year statute of limitation.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NV)

I received a letter from Synchrony Bank XXXX of this year stating that I was part of the class action lawsuit and would be receiving a check for {$270.00} within 60 days. It is now XXXX and I have not received anything. There is an XXXX number listed on the letter, however when I call, I ca n't ever get through to anyone.
Consumer complaint received 2015-08-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I attempted to purchase a phone from XXXX and they told me that my credit was badd and I had to put down a huge deposit. This sparked my curiosity about my credit because I am XXXX and never put anything in my name. So I went to credit karma to try and get my credit score and it kept saying my personal information I provided did not match the records. Then I went to Transunion to request a free report and it told me that my personal information was also incorrect. My name, birthday and social I entered I know is 100 % mine and correct.
Consumer complaint received 2015-07-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Designed Receivable Solutions, Inc. (CA)

I saw on my credit report there were medical bills that was reported. I never was aware that I owe bills for my medical debts. some of them belong to another insurance company to pay. But before they can pay for them they had put them on my credit report.
Consumer complaint received 2015-05-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CT)

Green Tree improperly raised the interest rate on my mortgage. The terms of my mortgage contract state that the index is the weekly average yield on the United States Treasury Securities, adjusted to a constant maturity of one year, as made available by the Federal Reserve Board. It also states the most recent index figure available as of the date 45 days before each change date, is the index that will be used to determine the change. The new interest rate will be calculated by adding 2.75 % to the current index and then rounded to the nearest one eight of one percent ( 0.125 % ). The rate will never increase or decrease on any single change date by more than two percent. 
( Prior to the reset my interest rate was XXXX. They added 2 % to the 2.875 % and it is now 4.875 %. They did not adjust according to the contract and use the proper index ). 
Forty five days before XXXX XXXX, 2015 is XXXX XXXX, 2015. On XXXX XXXX, 2015 the index was XXXX adding the margin of 2.75 % my new interest rate should have adjusted to 2.97 % with a new payment of {$900.00}. Not {$1000.00} In addition my escrow account shows that a payment for my hazard insurance will be made on XXXX XXXX, 2015. I have never had an escrow account for insurance or taxes, I pay them myself. 
On XXXX XXXX, 2015 I called and inquired about this. I was transferred to 4 different representatives, each time having to give my account number and social again. no one was interested in helping me answer my question. They were rude and wanted to know when this months payment would be made. The final person I talked to told me to send a fax to customer service general correspondence, stating I was disputing the change in the rate, which I did on XXXX XXXX, 2015. I also have written a QWR ( RESPA ) letter which will be mailed certified tomorrow XXXX/XXXX/2015.
Consumer complaint received 2015-07-29
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION (CA)

I am getting calls threatening to sue and take my property for a supposed payday loan that was not paid back years ago. They were very adamant on getting my credit card information right then to get my payment. I told them I would not give it to them without knowing who I am dealing with. They provided wire transfer details but never a physical address to mail payment, which made me feel uneasy because I was pressed to make arrangements to pay within XXXX days at that time. After researching the information provided I noticed that I had a couple other payday loans made after the date in question. I would not have been given another loan if I defaulted on a prior. These people have called my personal phone from different numbers from XXXX different states, and now a supposed attorneys office is calling my work.
Consumer complaint received 2015-06-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OK)

Since XXXX of 2013, we have been attempting to save our home from Citimortgage 's repeated attempts to foreclose, despite our best efforts to remand the past due amount, then apply for hardship assistance, then be forced to wait months and months for any answers- We now see that this deceptive and potentially illegal systematic attempt to ensure we can NEVER afford to get caught up is in fact the desired goal and standard operating procedure of Citi in its delinquent mortgage handling. We have been asked to submit over XXXX separate packets of basically the same, highly sensitive and largely unsecure personal information for over XXXX months to Citi and its forclosure attorney under the guise of actually helping us resolve the outstanding debt. Each time we are told some minor detail was forgotten or that a new set of pay stubs, employer verification. etc is needed and the total amount owed keeps rising to a point we can NEVER hope to feasibly afford- all due to the consistent pattern of procrastination and delay by Citi in its '' hardship review '' or underwriting process. Had we been allowed to keep making payments throughout this ordeal- we would be no further than XXXX or XXXX payments behind. As it stands, after Citi illegally cancelled my electronic payments in XXXX 2013 and stopped taking payment ( because they were intent on foreclosure ) since then we owe over {$10000.00} in legal fees, missed payments, etc. in a home we have outgrown and have negative equity in after XXXX years. My american dream, along with my credit have been broken by Citimortgage and it simply is not right and needs to be addressed so others wo n't have to endure the same financial disaster we have been pulled into by Citi. My wife an I are XXXX and have limited earning potential, making it even more difficult to address such a monstrous amount that should NEVER have gotten so high in the first place! Citi is solely responsible for this and should be punished for their malicious and repeated attempts to take away a home for my children!
Consumer complaint received 2015-10-08
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (NY)

Global Client Solutions through XXXX XXXX XXXX contacted me last XXXX XXXX 2015 XXXX offering to settle my credit card debts of about {$18000.00} for a total of about {$12000.00} and a fee of {$900.00} for GCSXXXX. The amount I would have to pay them monthly for 20 months was {$630.00} which was to be deducted directly from my checking account on the XXXX of each month starting on XXXX XXXX, 2015. ( I realize that the total for 20 months would have come to over {$15000.00} and I do n't know why I did n't note this discrepancy earlier. ) They told me that my credit score ( then in the XXXX 's ) would take a hit for a few months. I agreed to these terms and immediately gave them over the phone the credit card names and numbers and the amounts owed to each credit card. They told me not to discuss anything with the card companies if they called but to refer the companies to GCS as representing me. They gave me the name and number of a " customer care person '' in XXXX, NJ and said to contact her with any questions. 

From that point on I simply did not answer the phone when I could see that it was from any source I did not know. I told the customer care person I was doing that. She said that was fine but I should fax or mail to her each regular mail communication I received from the card companies and not respond to the companies at all. I have sent her by regular mail every such communication I have received from those companies for the past six months or so as well as XXXX I received from a debt collection company, XXXX XXXX XXXX XXXX XXXX early this month. 

I have talked by phone with that customer care person several times over these six months and have asked for an accounting of what has happened to the moneys withdrawn from my checking account, totaling now {$3800.00}. She has said that GCS has to wait for the card companies to get anxious enough for GCS to be able to get the debt reduced. 

Yesterday I received an email from GCS saying that my monthly account statement is available online. When I tried to access it, I could n't. I called customer care, but the person was n't available. I left a message for her to call me back. She did n't. I looked up GCS on the internet and read all sorts of alarming things. Then I tried to call XXXX XXXX XXXX and speak with the men with whom I had spoken in XXXX. None of them were available and no one called me back. Then I called the debt collection company and settled XXXX of the card debts for 60 % of what the balance was and paid that directly. 

Then I looked up CFPB on the internet. And this is the result. I hope you can help me get back the money paid to GCS since they have done nothing for me. 

Thank you for your existence and for any help you can give me.
Consumer complaint received 2024-10-16
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. (AL)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Consumer complaint received 2015-03-30
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Worth Finance Corporation (TX)

I received a letter from Worth Finance Corp that included a " check '' for {$800.00}. In reality, this is an offer for an {$800.00} loan with an APR of 91.02 % ( {$370.00} in finance charges ). Is this legal? Should n't the CFPB be shutting down predatory lending of this nature?
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (MD)

Synchrony Bank will not let me log in to pay money towards my Amazon card balance, because my ( now closed ) card is enrolled in a consolidated credit payment program. So I 'm denied access to my own account and not permitted to pay down my own balance as strongly as I can. I 'm stuck with the $ XXXX-something monthly payments, rather than being allowed to toss {$200.00} at it on months when I am able.