davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

To make a long story short, I was notified in XX/XX/XXXX that my mortgage company was paying the wrong PIN # out of my escrow for property taxes since XX/XX/XXXX. I first found out from a neighbor in my condo complex as her taxes were paid and she had not yet made a payment. I then was notified by the County that I may be eligible for a reimbursement due to me paying someone else 's taxes. After further investigation, it was determined that my taxes were not paid for an entire year and I had a lien. This has since been resolved by my mortgage company, but it was resolved with my money in my escrow. I have sent in two formal complaint letters to my mortgage company trying to understand the issue. I have also requested documentation proving what all my escrow disbursements since XX/XX/XXXX have paid. My first written dispute was sent on XXXX XXXX, XXXX. I received a resolution letter on XXXX XXXX, XXXX, however, it did not address ANY of my concerns or disputes nor did I get any of the documentation I requested. So, I sent in another written dispute letter on XXXX XXXX, XXXX addressing the same concerns I had back in XXXX. I have received a couple acknowledgement letters since XXXX XXXX, XXXX, but it is now XXXX XXXX, XXXX which is 124 days since my formal written dispute and I have not received a resolution. I have not received one letter, one email, or one phone call to at least try to address my issue. I work for a Financial Institution, and in fact I manage the area of the Bank that handles all the Consumer Loan error resolution inquires and complaints. I have a pretty good understanding of what regulates the consumer rights when it comes to Real Estate Secured consumer loans ( especially since XXXX XXXX ). There could be no issue with the way my mortgage company processed my tax payments since XX/XX/XXXX, but due to the lack of addressing my concerns, my complaints, and my disputes I feel as I am not being treated fairly as a consumer and should not have to wait this long to hear some sort of resolution. I have plenty of documentation to display my current efforts with my mortgage company.
Consumer complaint received 2016-02-06
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (MA)

Macy 's American Express card limit was decreased for no apparent reason. The card was overpaid accidentally and used to bring the balance back to XXXX. A week later the limit was decreased from {$10000.00} to {$500.00}. This will negatively impact my credit FICO score which is in the XXXX range ; no lates ; with a XXXX % credit usage.
Consumer complaint received 2016-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

Ditech collects escrow monthly ( {$240.00} ) as part of my mortgage. On XXXX XXXX, 2016 I received a letter from my county stating I was deliquent in paying my taxes. I immediately called Ditech and their process for verifying that they in fact collect money for an escrow account was obsurd. They said to verify this it would take 14 business days and they would need to submit and review this by " research ''. Fast forward a week, and quite a few phone calls on my part, there was a resolution. The would in fact lay my {$2400.00} tax bill from my escrow account and they would charge me {$66.00} in interest because I was not an escrow consumer and, as per my request on XXXX XXXX, became XXXX. This is untrue. They have collected escrow since I bought my home in XXXX. These people are liars, sneaks, and impossible to deal with. They sent the issue back to " research ''.
Consumer complaint received 2016-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

Experian put a " Security Alert '' on my account due to incorrect and false information they received from XXXX. XXXX purposely and maliciously assigned a non existant address to me. I have been fighting with XXXX for over a month about this and now they have reported the incorrect details to Experian and to XXXX. This matter needs to be solved and the false address completely removed from my account info ( on all three agencies ). XXXX XXXX does not exist. I live on XXXX XXXX.
Consumer complaint received 2016-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (OR)

XXXX XXXX XXXX - Arizona Routing XXXX Acct last XXXX : XXXX Never owned personal bank account in XXXX or XXXX. 
never had XXXX Account with bank
Consumer complaint received 2024-09-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I have XXXX loans that were cultivated from XXXX XXXX between XXXX and XXXX. The Original loan amounts are a percentage of what is currently owed ( ~ $ XXXX ). Although I am currently on a repayment plan, the loans have gone through several forbearance options through the years where repayment options were not pushed as much as forbearance options resulting a large interest balance compared to principal balance. I keep getting denied options to reduce interest or waive balance because I am not a XXXX XXXX or a XXXX  I know I have paid far more than what I borrowed and this balance just does not go down.
Consumer complaint received 2016-02-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Progressive Financial Services, Inc. (TX)

PROGRESSIVE FINANCIAL DEBT COLLECTORS ARE TRYING TO COLLECT {$60.00} FOR RETURNED CABLE EQUIPMENT THAT WAS RETURNED. XXXX AND XXXX HAVE SINCE REMOVED THIS COLLECTION AFTER I DISPUTED THE VALIDITY OF THIS DEBT. XXXX HOWEVER HAS NOT.PROGRESSIVE FINANCIAL HAVE NOT BEEN ABLE TO PRODUCE SAID VALIDATION. I NEED THIS ACCOUNT REMOVED ASAP. THANK YOU
Consumer complaint received 2016-02-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

I have had ongoing issues with Carrington Mortgage Services managing my mortgage. Twice in the past 6 months they have misapplied my mortgage payment to another account and wrongly reported my account as being late to the credit reporting agencies. As the accompanying documentation shows, they received and cashed the check for my payment on XXXX/XXXX/2016 and still have not credited the payment to my account. After their last error they promised to immediately refund the late payment charges that I paid, a home inspection fee that they charged me and they were to have reported the correct payment information to the credit reporting agencies. as of this date. none of these actions have taken place. Carrington Mortgage Services should be suspended or barred from administering VA loans until a complete audit of their accounts is completed. As XXXX XXXX veterans that have served this country well, we deserve better than this
Consumer complaint received 2016-01-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

I had a merchant account with Wells Fargo. My account was closed and I was told the funds would have to sit in the account for six months before my money would be released. I waited six months and Wells Fargo is still holding my money, everytime I call they say I have to speak to someone name XXXX but he does n't return my calls.
Consumer complaint received 2016-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not possess any working credit cards after bankruptcy XXXX. a XXXX credit card showing balance of {$1700.00} in 1991 appeared on XXXX, transunion credit report. I contacted collection agency advising these were not my charges, they referred me to XXXX who referred me back to collection agency claiming they sold account and could not proceed. Went back & forth and finally XXXX XXXX said they could not provide me with copy of charges as they were all unverifiable! Negative info remains as of today.
Consumer complaint received 2016-02-06
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MA)

I am writing to report that neither XXXX nor Ally Financial did n't work on my dispute case properly. XXXX did not remove wrong information from my credit report after filling in a dispute. This was a leased vehicle through Ally Financial which was terminated earlier and paid in full - accordingly - directly with Ally Financial. The vehicle was returned to a XXXX dealer. Subsequently, I have received a letter from Ally with the remaining balance and paid in full immediately.
Consumer complaint received 2016-02-06
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Conn's, Inc. (TX)

I applied for credit at CONN 'S XXXX in XXXX 2015 My Name is XXXX XXXX XXXX, They put the credit in my former name XXXX XXXX, credit I had with them 15 years ago and paid it off. I have new credit with them and they are harassing me calling more 10 times a day because of late payment due on the XXXX of each month I am only 3 days late, they call before due date and after saying friendly reminder, I am a XXXX XXXX XXXX woman and this raises my XXXX, I told them that I will pay my bill on the days that I get my money, they still call like crazy XXXX. all day.What can I do to stop from calling me everyday
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are XXXX damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2015-09-14
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NJ)

On XXXX XXXX, 2015 I was online trying to file for identity theft on the symmetry website which is the federal government website upon completing the identity theft application submitted it automatically took me to a PDF filler require me to pay {$4.00} I authorized it by giving them my pre-pay American express serve card when the discharge was placed on my cardit was pending for {$71.00} so I contacted American Express serve to dispute the matter they explained to me that I would have to wait to the transaction poles so I waited till I saw to Transaction the next day probably XXXX XXXX, 2015 I was informed by the individual look at the place to dispute for the transaction and that I would have to wait five to set 10 days for it to process it is now I contacted American Express serve XXXX XXXX, 2015 to inquire about my refund of the dispute I was informed that the person did not I guess did not put it in intentionally and only indicated that I wanted to dispute it I requested to have the recording pool they jumped on the route because they know they intentionally did not want the recording to be pulled to show that what I requested then I asked the young lady to submit the dispute again leaving me having to wait amount of 20 to 25 days just to get my dispute or my refund back I asked them why I could not be see my statements they could mansard said that this is such Internet website and I will have the printed this brings people that do not have printers the required to go somewhere and print it and pay someone to print my statements to be mail they can you direct me to where to find it so what I 'm doing now is I would have to go print them and pay for it because American Express sir can not mail me or direct me to have a requested in my Internet website account I asked they said the only way I 'll be able to view it is through a desktop not a mobile not napped happen that table is the only way I can access my account information accurately I will be only able to do it is through a test my right XXXX because if I do not have a desk that I should be able to use a tablet by mobile device on my laptop which stay website tonight account is not capable of handling I would like to request a investigation of American Express or XXXX XXXX contact and management to be investigated in all indivisible charged according to United States federal law
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After clearing up any and all outstanding debts that I had, as well as, educating myself with my finances, I ran all XXXX credit reports and understood what I was looking at. I ran my credit report in XXXX and immediately sent all the companies on my report with incorrect debt information and my name listed on debts that are not mine. I requested a formal response to prove the account was mine. Capital One replied many discrepancies with XXXX separate letters dated on XXXX XXXX, XXXX. On the credit report it states " my account '', that I do not recall, was charged off with a balance of {$250.00} with CAPITAL ONE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXXXXXXBut then states in the letters ( Letter XXXX ) dated XXXX/XXXX/XXXX, account ending in XXXX, ( stalling tactic ) that they are asking me for the information that I had already given them in my original letter that was mailed by certified mail. I can include that letter to you that shows all the information was already stated on the original letter. the ID on this letter they sent me is XXXX and requesting me to mail them back AGAIN. 

The XXXX letter dated XXXX/XXXX/XXXX Ref # XXXX with Acct ending in XXXX states they are informing me that this account has been sold to XXXX XXXX with a balance of {$450.00} and for me to contact them. And the ID on that letter is XXXX have never made any payment to Capital One for any credit card in XXXX, XXXX or XXXX and I wanted proof that this account was indeed mine. The amount said due and the credit limit as well as what I am saying that I owe do not add up. I am stressing out over these letters which show me that they can not validate this account and that there is possible fraud due to a credit card that I do not own. I have spent a large amount of money trying to clear these debts that are not mine, and have been to the doctor repeatedly for the other conditions in which have been affected by these debt stresses. I can not sleep and hope this can be cleared. Please investigate this and inform me of what else can be done. I have sent the company my social, ID, copy of the credit reports and capital One is requesting it again and now says I need to contact other companies in which they are listed on my XXXX credit reports. 

Listed on all three credit reports by Capital One. 
Date Opened : XXXX/XXXX/XXXXResponsibility : Individual AccountAccount Type : Revolving AccountLoan Type : CREDIT CARDDate Updated : XXXX/XXXX/XXXXLast Payment Made : XXXX/XXXX/XXXXOriginal ChargeOff : $ XXXXPay Status : & gt ; Charged Off & lt ; Terms : Paid MonthlyDate Closed : XXXX/XXXX/XXXXHigh Balance : High balance of {$390.00} from XXXX to XXXX ; {$440.00} from XXXX to XXXX ; {$440.00} from XXXX to XXXX ; {$450.00} from XXXX to XXXX/XXXXCredit Limit : Credit limit of {$300.00} from XXXX to XXXX ; {$300.00} from XXXX to XXXX/XXXXEstimated month and year that this item will be removed : XXXX
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MN)

I had a XXXX XXXX in XX/XX/XXXX and had to file a bankruptcy, which is stillbeing reported. In XX/XX/XXXX I had XXXX credit cards put on a debt settlementprogram which has been paid. But the credit bureau still is reportingthat I have serious delinquencies and I did n't have delinquencies beforethat and none since then. That causes a lot of places to turn you downwhen applying for credit. 

XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MA)

Since this is my second request, I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute XXXX XXXX XXXX XXXX XXXXXXXX and the following inquirires XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

I applied for credit cards with XXXX and was advise soft pull. But I have XXXX or more inquries on credit file and with XXXX they are showing all inquries the same day with equfiax, XXXX and this can not be true and some stores more than once and I was approve for the credit card. I receive this address from XXXX and they advise me to file a complaint and maybe they will be remive. 
Also I file bankruptcy back in XXXX and listed all my old accounts due to excessive hospital bills and listed XXXX XXXX account in collection and XXXX and XXXX and all XXXX receive the notice regarding bankruptcy. They have theses account on my credit file as collection accounts and when someone review my credit file they show I still owe balance which is in correct. I have written to them contacted them by phone. I advise them even if the accounts were in collection they were included in bankruptcy and the need to be status correctly. 

I hope you all can help me I. This matter as I am trying to rebuild my life after years of XXXX back in XXXX. Lots of hospital stays, dealing with XXXX.
Consumer complaint received 2015-05-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (FL)

In XXXX 2008 I purchased a car that was finance with Santander Consumer I was making monthly payments until my bank account was compromised and I fell behind in my payments. I notify Santander, it took the bank some time to replace my funds in my account. Santander stated they was going to place me in collections, when the bank did replace my funds, again I notify Santander and informed them I was ready to pay all payment in the rear. Santander stated if I pay the total balance they would not put any derogatory information on my credit report. I kept my promise and paid them of, f but Santander did not keep their promise. 
In XXXX of this year I found out they did report my account as a charge off. When I called them and reminded them of their promise they change their report to paid after charge offI would like for Santander to keep their promise and remove all derogatory information on my credit report. They have their money
Consumer complaint received 2015-05-19
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo will not fax paper work to me or another mortgage company. I have been trying for over a month to get paper work that Well Fargo has on my XXXX Mortgage. We have called everyday for XXXX weeks and have faxed everything they have asked for. But they will not give me information about me to me! Is this covered under the Freedom of Information Act. I can, t get my own info. how is this legal. I am trying to get a new loan for my house but Wells Fargo will not help at all. This is a contract between them and me and they are withholding this information.
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (WV)

I was sued in Magistrate court by a XXXX party collection company that supposedly bought the debt from the original lender. The original lender has had my credit report purged of this debt after they researched the debt. The Debt collection company has refused to do so and filed suit. They have been asked several times to provide original loan documents, last payment info, and papers showing that they actually " own '' the debt. The last time they were asked was a court order for discovery and they did not produce the paperwork before the hearing on XX/XX/2015. The Magistrate dismissed the case due to the lack of evidence on their part and the fact they did not produce any discovery as directed. The company, Calvary SPV I LLC, will not recognize the fact that the original lender has forgiven the debt and sent a letter to all XXXX major credit bureaus to purge the debt from my records. The lack of discovery at the hearing is the crux of this complaint as the company has never produced any documentation during this process. Even though the current suit has been dismissed, I am sure they will appeal or ask for the court to reconsider as they have in the past ( the XXXX time was dismissed because they did not show up for the hearing ). They do not even have the correct bank listed as the original debtor on the court documents and this might be part of why they can not produce the correct records.
Consumer complaint received 2016-01-05
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Green Square Company LLC. (TX)

The number XXXX called me today, a recorded voice representing Premier Recovery Group, stated my name, a file number and stated that collection attempts are being escalated. I have never heard of this company, this debt or this file number. I never received anything from this company via mail. 

There was also absolutely no statement of the call being an attempt to collect a debt. I have a recording of this call if needed.