davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

My mortgage was transferred to Ditech XX/XX/2016 when XXXX XXXX XXXX became Ditech. I was notified XX/XX/2016 to start making payments to Ditech at their new address. XX/XX/XXXX 's payment had already been sent to XXXX and the check cashed. In XX/XX/XXXX I made all further payments to Ditech. In XX/XX/XXXX I called Ditech to see why I was being charged for Earthquake insurance as we do n't carry that in Texas. Up until this point all I had for a statement each month showed what I paid, there were no statement balances at all shown. I asked about balances and was told I was one month behind. I asked how that could be when I have made every payment each month on time and have my cancelled checks. " XXXX '' said he would look into it and get back to me. Next month I got statement saying I was behind, I called and was told I had n't made XX/XX/XXXX payment, said I did, made it to XXXX, the girl told me to call XXXX to get it straightened out. That 's when I found out DItech WAS XXXX. Called back-long story short, I have called 34 times since XX/XX/XXXX. I talk to someone different each time, no one knows anything, you have to explain again, and they always say, you are late-you must pay-threaten foreclosure. I have had these people lie and say they are managers, I get an extension number each time I call with a name, when you call back, no one knows who you are talking about. I have sent my supporting documents with copies of every months ' cancelled checks 3 times to XXXX different fax numbers they have given me and asked each time that they call and let me know the fax was received and everytime I hear nothing. Now they are saying I am 2 months behind but not one single person I have talked to can give me any idea how that is possible. I have a cancelled check for every month that shows deposited into their acct. I also am paying a huge amount each month to escrow, I have over 3 years worth of taxes and insurance in their acct but they ca n't pay my taxes or insurance on time and I still have n't seen my money back they paid out for earthquake insurance that I do n't have. I have already been down a similar path with XXXX XXXX XXXX. I thought there was supposed to be safe guards put in place that watched these mortgage companies to insure the public was n't getting completely XXXX again.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (TX)

Shellpoint Mortgage Servicing refused to provide the contact information for the Bureau of Consumer Financial Protection. During a call in which they requested documents to be sent again for a loan modification, I was speaking to a representative named XXXX on the date of XX/XX/2017 and had had enough of their incompetence and requested the contact information of the Government entity that regulates them. XXXX refused to provide the name of the CFPB ( which I had to XXXX ) and the contact phone number. She said the information was on the statement and when I demanded she provide the information she terminated the phone call. Reviewing the mortgage statement from Shellpoint Mortgage did not provide any contact information for the CFPB to launch a complaint as indicated by the representative.
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Chime Financial Inc (NC)

On XX/XX/year> approximately XXXX am I arrived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX obtained cash from the ATM due to my regular ATM bank was down. I used my Chime debit card ending in XXXX to retrieve {$400.00} from the ATM. I dropped my debit card on the ground I went to pick it up and I did observe my cash being taken back in by the ATM. I then received an error message on the screen stating, " CASH BEING RENDERED PLEASE CONTACT YOUR BANK ''. I did ask the XXXX at XXXX XXXX for support. He stated he has no control over the ATM. I then contacted my bank CHIME. The representative stated they can not help me until my transaction has posted. I did then expressed my concerns being that it was XXXX XXXX weekend, and the delay will cause them to not believe me. The representative stated he will attempt to expedite my dispute when submitted. I then attempted to contact XXXX ATM at ( XXXX ). The female stated she can not inform me of this matter only my bank can contact XXXX to obtain the needed information to obtain my {$400.00}. The representative stated the terminal number " XXXX '' on my receipt in which my cash was dispensed and taken back in they will see the error message and also the ATM being over an extra {$400.00}. On XX/XX/year> I have summitted a dispute to CHIME bank and on XX/XX/year> CHIME bank declined my dispute and stated they can not support me. CHIME Bank did not offer a provisional credit or appeared to have called XXXX per todays conversation. CHIME bank appears to want me to do their diligence. The representative at XXXX stated today they will tell that the funds were not taken out the ATM by my terminal number and also from my error message. I am seeking support because my bank is not working to obtain my funds that was taken from me in error. They declined me in XXXX day and did not call XXXX to investigate my claim. It appears XXXX is supporting me more than my bank CHIME.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I recently reviewed my Equifax Credit Report. I continue to view Inquiries made on my Equifax Credit Report that I do n't recall authorizing. Equifax continues to reply to my disputes regarding inquiries with a standard response EVERY SINGLE TIME. The response is the following " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised that inquiries are a factual record of file access. If you believe the inquiries are unauthorized, Please contact the creditor directly and follow their internal fraud procedures. Written confirmation has been mailed to you ' ''. This is contradictory to several of my previous disputes through CFGB regarding inquiries displaying on my Equifax Credit Report. The following are the case numbers with CFGB that Equifax did not reply with the standard response and had the inquiries removed, XXXX & XXXX. I am requesting that Equifax remove the following inquiries from my Equifax Credit Report ... .. 
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 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( I 'm not in the market in Buying or attempted to buy a house in over 2 years ) 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 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 If after the investigation Equifax believes that the inquiry are legitimate I demand that Equifax provide me the name of the Equifax Representative who conducted the Investigation and the name of the individual ( creditor ) that was contacted to confirm that the inquiry was legitimate. Furthermore, if such evidence exist I demand that Equifax send me a copy of such alleged documents so I can verify it 's validity.
Consumer complaint received 2017-02-04
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ORG GC GP BUYER, LLC (GA)

On Friday XXXX my sister received a call/voicemail on her personal cell phone asking for me by my nickname ( not legal name ). The caller was XXXX XXXX asking to return call to XXXX XXXX. My sister called me worried that there was a problem ... I returned the call and XXXX XXXX did not identify herself as working for a debt collection agency until I asked specifically. XXXX XXXX requested personal identifying information before identifying her companies business. I refused to provide information beyond my birth year which confirmed the alleged debtor was not me. I asked XXXX XXXX which company she worked for and she told me XXXX. I then asked why they would contact a family member for debt collection for a debt which was easily identifiable as not mine. I asked XXXX XXXX for her companies federal tax ID number for complaint purposes and she said she was unable to provide it. I was then transferred to a supervisor who identified herself as XXXX XXXX. XXXX XXXX identified her company as GC services which is incorporated in the state of Texas. XXXX XXXX again refused to provide a federal tax ID number. She refused to tell me if the company had any DBA 's or subsidiaries. She then refused to provide me a contact number for herself. She also attempted to acquire personal identifying information from myself and did not disclose the purpose of the phone contact. In Summary XXXXGC Services contacted a relative on a personal cell phone regarding a debt that was easily identifiable ( even by birth year ) as not belonging to me.. when contacted the company representatives did not disclose their purpose and asked for personal identifying information. Management then refused to provide company information even so much as a contract phone number extension.
Consumer complaint received 2016-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I previously filed a complaint, Case number : XXXX, and disputed the response from the Mortgage holder, but I do not see it on the record. 
Two things : 1. It is true that SPS has now offered me mortgage assistance and I am in a 3 month trial program, paying about {$1300.00} a month. I am glad to be offered the option to stay in my home, but the information I provided to SPS shows my income, from a part-time job because I have not been able to find full-time employment, is about {$1600.00}. A bit unrealistic to offer me an option that leaves me nothing on which to live. 
2. The response from SPS about why my mortgage is so high, higher than the purchase price, after more than 20 years remains unanswered. It was stated that I purchased the home in XXXX for {$180000.00}. Incorrect. The property was purchased in XXXX for {$140000.00}. I 'd like to an answer. 

Thank you.
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: Diversified Consultants, Inc. (ME)

I have been contacted twice by representatives claiming to be from Diversified Consultants , Inc. saying that I owe more than {$200.00} to XXXX. These representatives have asked for my credit card information, my social security number and my physical address. I have spoken with XXXX and have been assured that my account is paid in full and that I have not been sent to collections. I have also checked my credit report through XXXX and I have an excellent score. I am concerned that either my identity has been stolen or that the phone calls are pretending to be DCI.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS (MO)

I sent a letter to the company requesting the investigation of all delinquency data and information that they provide to the credit bureaus XXXX, XXXX, and XXXX. I also requested the deletion of the inaccurate information and updated results. I specifically requested investigation into a Public Record that they are falsely reporting to the bureaus. The Court of Record provided a letter stating that they do not report information to any third parties, so LexisNexis is reporting alleged and inaccurate information, damaging my reputation and credit profile. I've attached the letter to LexisNexis and the tracking information of the letter that they received on XX/XX/year>. LexisNexis has failed to delete the information, freeze my file, and update me, violating federal laws of XXXX, FCDPA, FCRA, and etc.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (MD)

I applied to refi an existing loan in early XXXX. I submitted all the forms and paperwork promptly. Since then the bank is apparently losing my paperwork because they have asked me for the same documentation three times. I have left messages and sent emails and received no response and had to escalate to the mortgage banker 's boss who simply referred me back to the original person who was not getting back to me. A few weeks ago my file was referred to a processor who said my file was not exactly in order and he would help me move this forward. He gave me a list of documentation the bank needed. I went over the list with him and referred him to the emails and dates I had supplied the documentation to my previous contact. He asked me to sign the same IRS form I had previously signed which had been filled out by his company incorrectly. I offered to send more documentation and he said no, we needed to wait for the transcripts from the IRS. Today, I received an email from him asking for yet more information, most of it already supplied. A key point in this situation is that I am a current customer of this lender, I am refinancing less than XXXX the appraised value of the house, my annual income is equal to the value of the house, I have virtually no debt and a XXXX score of XXXX. This refi should be simple but it has been nothing but a series of frustrations since early XXXX. We are now into 90 days and I am concerned my locked in rate will be gone. It appears that I am lost in the shuffle of paper throughout a huge bureaucracy that has very little concern for customer service.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (KY)

I sold my house and closed on the property on XX/XX/2016. During closing the title company paid the second installment of my property taxes in the amount of {$2300.00}. I looked online the same day and noticed Shellpoint Mortgage also payed my tax payment the same day. I called and asked to Shellpoint to hold payment that afternoon due to the fact I just closed on the property. I was told that since they had n't received the payoff there was nothing they could due despite being almost 3 weeks early on the payment. A few days later my lawyer was able to contact XXXX County Treasurers office after they had received the payment from fidelity Title company so they were able to flag my account to avoid double payment from Shellpoint Mortgage. I have contacted Shellpoint multiple times on this issue with no resolve. When you call Shellpoint Mortgage you can only speak to the person who answers the phone in customer service. They will not transfer you to anyone. I 've asked to speak with someone in the tax department but every time I 'm told no. Also every time I call i 'm told a different story by the person on the other end of the line. As stated before I called on XX/XX/2016 around XXXX EST. about trying to get the tax payment stopped. I was told on that phone call that since they had n't received payoff there was nothing they could do. The Next time I called was on XX/XX/2016 at XXXX. EST. at that time I figured there would 've been plenty of time for them to receive and process my refund. I was told on that phone call that processing could take up to XXXX weeks and again I was told that I could speak to no one else but the person I was speaking with. I specifically asked to speak to a manager but was told that one was not available. So I waited until XX/XX/2016 to call again figuring that would be plenty of time for processing to take place. I made that call at XXXX EST. this time I was told that processing could take XXXX weeks. Again I asked to speak with someone in the tax department and again I was told no. This time the woman told me she would put in an email to the tax department about this situation and she 'd get back with me as soon as she got a response. Today is XX/XX/2016 and I still have n't heard anything from them. In between my calls my lawyer tried to intervene due to the fact he has power of attorney for me and he was told they could n't talk to him about my loan. He also sent a letter to Shellpoing Mortgage Servicing trying to resolve this issue but we 've receive no response to that letter either. I 'm fed up with dealing with this company and am asking for your help in this matter.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

XXXX Dispute for XXXX to remove fraudulent address 's, Drivers License. I have attached, Police Report for Identity Theft, Notarized Statement stating that I have n't lived at these places. Your refusal to remove these disputed information because your Bank members are the ones that has reported them is wrong. Remove them!!
Consumer complaint received 2015-08-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My mortgage servicing company is padding my escrow account they have raised my mortgage by over {$300.00} a month. And I received less than a thirty day notice. The servicing company own rules state that they must give a sixty day notice of a increase in the monthly payments. The amount of money they want is excessive and is way over the minimum amount required to have in my escrow account.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2016-10-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (NC)

I had disputed a XXXX acct of {$710.00} which I did not have ownership of. This account was with XXXX XXXX XXXX. This collection agency removed this account off my credit report with XXXX, XXXX and XXXX on XXXX/XXXX/16. On today, XXXX/XXXX/16 I received an alert from XXXX XXXX that I.C SYSTEM is reporting the exact same account-XXXX- {$710.00} to my credit report with an open date of XXXX/XXXX/16 and last reporting on XXXX/XXXX/16. it has been determined that this is NOT my account and never was. This agency is re-reporting this account after it had been removed from my credit report. I am aware that this is VERY ILLEGAL.
Consumer complaint received 2016-09-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I applied for a loan with spring lead financial and borrowed XXXX they are including interest to the bureau that shows a balance of XXXX. No other credit company has even reported or included interest to a bureau. It 's not fair. It 's not accurate and it damages u when applying for a loan because the debt to loan income is not accurate which results n a denial from whom ur asking credit for. I have disputed this with bureaus and also they personal they reporting it 's correct well it 's not. I also have a loan with XXXX and few other XXXX they do n't include adding interest to a credit bureau .and the amt they said is correct on bureau do n't even match they automatic recording when u call. It 'd XXXX less than bureau reporting
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

trans union allowed XXXX aka XXXX XXXX to report a medical collection to me credit file this account was being paid by XXXX and can not legally be reported Tranunion has no right to allow a collection agency to report medical information this in against hippa laws and in violation for the Privacy ACT this account was report with a XXXX balance and needs to be removed.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA XXXX - The balance on this account should be reporting as ZERO! On my credit file, they are reporting inaccurate information regards to this account. I 've attached proof of the Cancellation of Debt as well as my tax filing paperwork. I 've sent demand letters to Bank of America and have yet to receive any response. This error is preventing me from getting the credit I deserve. Correct the error immediately or delete this account off my credit file!!
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I purchased a XXXX years ago. I paid on time. Towards the end there was an amount due and XXXX gave me permission to make the last amount in payments. They messed up and marked me as late to the credit bureaus. In 2009 I received a letter stating they had contacted the credit bureaus and marked me as not being late ( see attached ). Every credit bureau except TransUnion changed their records. In the meantime I have dealt with the deaths of XXXX parents as well as XXXX. I am coming into some money and low and behold TransUnion still has not changed my score. This will affect my ability to buy a house. Please see the attached letter with a barcode from XXXX which proves beyond a reasonable doubt they did the right thing. Also please note all other credit agencies do not show a late. Only TransUnion. I want this removed from my credit score with TransUnion. This letter from XXXX is from 2009. 
Thank you, XXXX XXXX