davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

This complaint involves XXXX XXXX XXXX and Greentree, ( Ditech ).

We received a HAMP loan, when we requested a HARP loan!

This started with XXXX XXXX XXXX and attempting to complete a HARP loan. The problem was, they kept shift the servicing agents on us, transferring the paperwork, losing paperwork, resubmitting paperwork, losing that paperwork according to the next servicing agents, then finally contacting the " Office of the President '', Vice President, calling on a every other day check-n, he leaving or being transferred, paperwork lost, and then being transferred to Greentree as our servicing company.

We started the paperwork again after approximately 12 or 14 months, asked for a HARP loan with them, moving towards foreclosure from Greentree. Then finally with no to little time left on foreclosure, recieved paperwork from Greentree, special delivery, to sign for the loan.

Not understanding, no explanation was given what a HAMP loan was, but told we must sign these papers and get it back to them or foreclosure was going to happen, soon.

We signed the loan. Received the statement of additional costs added onto the loan because it was a HAMP loan for an addition balloon or additional fee of {$110000.00}, which was incorrect since we did only owe for the 14 months of non payment while trying to change the loan through XXXX and being stalled and stalled and stalled.

We believe we were conned by the bank, stalled by the bank and then given no other choice other than sign the paperwork and be penalized for something we DID NOT ask for.

We have not contacted an attorney asa of yet and wanted to share this with the governing body before we start a class action lawsuit.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Recently disputed incorrect data reporting on credit file. Account has been deleted several times and then re-reported. Under the FCRA, all items reinserted must be provide by the furnisher of the information in writing of why the debt in being reinserted with XXXX days of re-reporting. I have never received any notice from the furnisher, which is violating my consumer rights.
Consumer complaint received 2017-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX is reporting multiple accounts as 120 days past due, all having a XXXX balance, and all in excess of XXXX XXXX XXXX. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX.
Consumer complaint received 2017-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My loan had been transferred to 3 different service since origination from country wide XX/XX/XXXX ; my loan had adding additional charging drastically ; each time is a new servicing my amount incremented. I need to solved this matter is seams like whenever I tried to get any explanation my loan is sold or transferred. Please helm me ; I do not owed what lenders staying I owed. 
Below a copy of the letter sent to new service SPS. 

XX/XX/XXXX Ref : loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSelect Portfolio XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX I am disputing the above referenced debt, please verify this debt as required by the Fair Debt collection Practice Act ( FDCPA ) I was notified by your company on XX/XX/XXXX regarding an alleged debt I have reason to believe I do not owe the amount you claimed because since this loan had been transferring since XX/XX/XXXX from several lenders ; I had been overcharging ; this loan had been transfer to three different service ( including XX/XX/XXXX ) since the time I purchase this property for the amount of {$270000.00} ; Back on XX/XX/XXXX I owed the amount {$230000.00} and balance had been increased drastically ; there is an error on the balance charged. See enclosed documentation with correct amount owed for this loan. Need correction be made ; also I had made payment for the amount of {$1500.00} for the month of XX/XX/XXXX on XX/XX/XXXX. All my payment had been on time. Enclosed proof of payment and copy of escrow forXX/XX/XXXX ; If I need to hired a lawyer and had the court review my case I will had not problem. I am very frustrated the lenders had overcharging me for an amount I do not owed. I need your help to resolved erroneous information that had been dealing for too long. 
I request all of the following information be provided to me by mail : 1- Proof of my agreement to pay the original creditor.
2- A copy of the final Account Statement issue by the original creditor.
3- A Break down of the total amount due, showing principal, interest, and other charged, and 4- For all other charges ; the date of and basis for each charge. 
5- The full name and mailing address of the original creditor for this alleged debt ; 6- Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 7.-Documentation showing you are licensed to collect debts in Florida Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged erroneous amount and made the correction as necessary. 
Under the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely,
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

For sometime know whenever I 've tried to access my Credit Report they keep asking questions that has nothing to do with me.For Example : Mortgage Company that I have been with.I have never own or cosign for a home in my lifetime. This is one of the prescreen questions that has prevented me from accessing my credit report for the past 3 years.
Consumer complaint received 2017-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (VA)

This account was never 60 days past due. On XXXX XXXX, XXXX, I made XXXX phone calls, the following refers to the first phone call. On that day, I was 22 days past due and trying to schedule a payment to bring the account current. Seterus representative made the following XXXX statements : 1. Partial payment of late fee is required to schedule a payment by phone. 
2. Answering the questions beyond the routing and account numbers of the financial institution is required to schedule a payment by phone. 

According to your letter, dated XXXX XXXX, XXXX, the above XXXX statements are false. XXXX or XXXX? 

About XXXX years ago, having experienced the Seterus solutions, I decided it is better to absorb the late fee than accepting any of the Seterus solutions. Even though, I repeatedly said NO, why Seterus insists and harass with statements such as above, to better understand my financial situation as you stated in your letter dated XXXX XXXX, XXXX?
Consumer complaint received 2016-05-26
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland 's Attorney did present actual evidence from the original creditor. And Midland is relying on their own custodian of records. I am a XXXX XXXX on Social Security and Midland is threatened to take my money. I am destitute with no assets, and not even sure of the debt.
Consumer complaint received 2017-10-22
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: Experian Information Solutions Inc. (MO)

on XX/XX/XXXX, 2017 I faxed a dispute to XXXX 's regarding a XXXX 's account that 's reporting to my Experian and XXXX credit report in the amount of {$310.00}. I was told to allow 30-60 days to investigate, its been past 60 days and I have not received a response. I have attached the dispute with successful fax transmission.
Consumer complaint received 2017-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (CA)

In XXXX I responded to a wage garnishment. I went to the court and filed the necessary response. The officer informed me that the company had 30 days to send a response. The 30 days came and went. Since I had asked for a copy of my application and the amount owed at the time of write off I assumed this information could not be found. I then called Discover and was told to contact the agency that had my account. I spoke to a rep who was located in New Jersey about my account. He started to ask my information like address, ss #. I decided that if this company was suing me they should have this information. When I asked this question I was " disconnected ''. I did n't hear from the agency again. XX/XX/XXXX I was informed by my payroll department that my wages would be garnished again I tried to get information. This time I found that the agency is in XXXX XXXX. The practices of this company are sneaky and unfair. I feel I did respond within the time frame. I was also told by the sheriff that I had correctly responded to the order. Why was there no response? The company then waits a year to garnish me without any further notification?
Consumer complaint received 2015-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

I have played all my collection accounts off how come there still on my credit report stating open account XXXX. XXXX. I paid off all of them. Its affecting my account I have sent many dispute letters and its still on there why.
Consumer complaint received 2017-10-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Linebarger Goggan Blair & Sampson LLP (CO)

A law office repeatedly calls me on a weekly ( or even more often ) basis. They apparently serve as a debt collection agency. I discovered this by XXXX their phone number. They leave the following message : " This is the law office of Linebarger, Googan, Blair, & Sampson calling for ( so-and-so ). This message is in reference to account number (  such-and-such ). ( Unintelligible ) call XXXX. '' I called the number several months ago and left a message telling them they have the wrong number. I said : " Nobody by the name of ( so-and-so ) lives at this number. Please stop calling me. '' They have not had the decency to cease and desist, so I am filing this complaint. If they keep calling me, then I may hire an attorney.
Consumer complaint received 2017-10-22
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: EQUIFAX, INC. (MO)

on XX/XX/XXXX 2017 I faxed a dispute to XXXX XXXX regarding a XXXX XXXX  account that 's reporting to my XXXX and Equifax credit report in the amount of {$310.00}. I was told to allow 30-60 days to investigate, its been past 60 days and I have not received a response. I have attached the dispute with successful fax transmission.
Consumer complaint received 2017-10-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A Bank of America representative called me in early XXXX for the purpose of collecting a debt owed on credit card number XXXX. The representative offered to settle the amount owed for a payment of {$9400.00}. I told the representative that I needed to think about the offer and was told that the offer was good through the end of the month. I was also told that I should make a payment before the due date on the account and that anything I paid would be applied to the settlement if I decided to settle before the end of the month. I made an electronic payment of {$3000.00} a few days later and called BoA on or about XXXX XXXX to finalize the settlement. During the call it was determined it the Bank of America representative needed to speak with my wife, the co-account holder. At the time I was away from home so speaking with my wife was not possible. However, I told the representative that I would at home in approximately 10 days and could call back at that time. The representative said that would be acceptable but informed me that I had to conclude the settlement prior to the end of XXXX. On XXXX XXXX at approximately XXXX XXXX CT, I called Bank of America Collections Department to conclude the settlement. The representative with whom I spoke said that even though I had made a payment of {$3000.00}, the settlement amount would be the entire {$9400.00} instead of {$6400.00} ( $ XXXX {$3000.00} ) as earlier stated. I asked the representative if there was documentation in my account file supporting my claim that only {$6400.00} was needed to settle. The rep acknowledged that there was such documentation but that BoA was no longer honoring the offer. I told the rep that this constituted trickery by BoA and that I would file a complaint with the FTC unless BoA honored it 's offer. The rep declined to honor the offer. I request that my account file be subpoenaed as well as the audio recording of the call ( the rep informed me that the call was being recorded ). I consider this to be the ultimate in deceptive banking practices and find it unimaginable that bank of the stature of Bank of America would engage in such practices. Further, I suggest that BoA be investigated for engaging in this practice as a regular collection procedure.
Consumer complaint received 2017-10-22
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Select Portfolio Servicing has not given me proper credit for payments on my mortgage for the XX/XX/XXXX and XX/XX/XXXX.I sent in {$4100.00} on both these dates to make up for past due payments that I missed. For the past 3 years I have been consistently making payments. My wife has several health issues and I have to spend money for doctor bills and medication. My wife suffered a XXXX and I have tried to explain this to the company. Even though I have been making payments for the past 3 years, Select Portfolio has used aggressive threatening and aggressive tactics to force me to pay more money than I owe. I am attaching the letters from XX/XX/XXXX and XX/XX/XXXX that reflect this. For the past 3 years I have consistently been making payments. Select Portfolio is now threatening to foreclose and sent back a payment I sent in XX/XX/XXXX.I am including the letters which show inconsistent amounts on the principle such as recent statements the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.I also am including an updated payment history dated XX/XX/XXXX.I have included letters from XX/XX/XXXX and XX/XX/XXXX.Something needs to be done to end the illegal practices, the threatening letters and robo calls by these debt collectors.
Consumer complaint received 2017-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been trying to fix my credit. But nothing seems to be changing. I then realized that there are some conflicting inquiries on my credit report. These are inquiries that I never authorized. Some I dont even know about. Others, I was pre approved, but they showed as hard inquiries on my credit report. I have contacted them but nothing good came out of it. Trans Union is not giving me a good answer each time I speak with a representative. They keep telling me they will look into it. XXXX removed the few I complained of long ago. 
The following were not authorized by me : XXXX XXXX XXXX ; XXXX ; XXXX XXXX, and XXXX offered me and my application was approved, but it ended up showing as a hard inquiry. XXXX XXXX, pre approved me, I accepted and was approved, but yet it showed as a hard inquiry. XXXX XXXX also pre approved me, but it showed on my credit as a hard inquiry.
Consumer complaint received 2017-10-21
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. (TN)

These accounts have been consolidated in XX/XX/XXXX. At no time was I contacted in writing by Texas XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. Texas is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as XXXX days past due, all having a zero balance, and all in excess of XXXX years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of XXXX days past due, many of which are greater than XXXX years old. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX/XXXX XXXX XXXX, is also reporting multiple loans as XXXX days past due and these loans are older than XXXX years. 

The United States Department XXXX XXXX is also reporting XXXX old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of XXXX years old.
Consumer complaint received 2017-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (PA)

I use this card for 0 % balance transfers, not purchases. There was already XXXX balance transfer offer in which I was participating, and it expires XXXX XXXX. I then participated in another balance transfer offer which expires XXXX XXXX. Every month I sent in my payment, my assumption was that the payment would automatically be applied to the promotion that ended first, i.e., XXXX XXXX. When I was reviewing my account and noticed that the promotion that expired in XXXX XXXX did n't have the entire payment amount deducted, I contacted Citibank, and a supervisor said it was Citibank 's " policy '' to divide the monthly payment between XXXX or more promotions, and if a payment was sent was over the minimum payment, the difference would be applied to the promotion that ends first. None of this was explained to me at the time I enrolled in the second promo except to say that promotions with the highest interest would be paid first, but both of these promotions are 0 %.
Consumer complaint received 2017-10-22
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: CITIBANK, N.A. (MO)

on XXXX XXXX, XXXX I faxed a dispute to XXXX 's regarding a XXXX 's account that 's reporting to my XXXX and XXXX credit report in the amount of XXXX. I was told to allow XXXX days to investigate, its been past 60 days and I have not received a response. I have attached the dispute with successful fax transmission.
Consumer complaint received 2017-10-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION (MD)

VEHICLE LOAN WAS APPROVED ; CONTRACT WAS SIGNED ; THEN DENIED. 

I traded in a XXXX vehicle to purchase a XXXX vehicle at XXXX XXXX in XXXX XXXX, MD. The loan was approved by XXXX on XXXX/XXXX/XXXX for a loan of {$88000.00} aXXXX XXXX XXXX 84 monthly payments of {$1200.00}. The car dealership prepared all of the paperwork which I signed. With financial approval, I took possession of the vehicle and drove it home. 

A few days passed, and the car dealership called me to say that XXXX reversed the loan approval based on my prior history with them. ( I had previously XXXX a Bankruptcy XXXX debt for {$1000.00} with XXXX XXXX on XXXX XXXX, XXXX ). XXXX XXXX attempted to resolve the issue with XXXX on my behalf stating that the incident occurred over 17 years ago, but to no avail. 

I received a letter mailed from XXXX dated XXXX/XXXX/XXXX ( received on XXXX/XXXX/XXXX ) stating that they were unable to approve my loan due to XXXX has Caused XXXX to Suffer a Loss. The letter stated that XXXX obtained my credit score from XXXX and used it in making their credit decision. My credit score was XXXX. 

The unfair credit practices are that XXXX denied me a loan unfairly as my credit score represents good or 'very good ' for credit worthiness and they relied on outdated circumstances from 17 years ago without providing me the opportunity to explain my past hardship and/or my current financial standing. 

As a financial institution, loan approval must be based on existing information contained on the credit report. The actions of the Pentagon Federal Credit Union were not based on the Fair Credit Reporting Act, using information that exceeded the statute of limitations for credit reporting practices. They treated me disparately from other applicants who must have been approved for loans with a credit score LESS THAN XXXX and/or with prior adverse circumstances.
Consumer complaint received 2017-02-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Recovery Services, Inc. (AZ)

contacted by Financial Recovery Services ( XXXX ) regarding XXXX Credit Card balance of {$16000.00}, account No : XXXX dated XXXX/XXXX/XXXX. Never had or done business with XXXX. Obtained XXXX Report and there is no such account. However, receiving threatening calls and letter since XXXX.