davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

My mortgage was transferred from XXXX XXXX XXXX to Green Tree Servicing last year. I have kept my account current without any issues. I received a letter in late XXXX stating that my escrow account was in the arrears and if I did n't pay the full amount by XXXX XXXX, 2015 my payment would increase. My loan did not have an escrow account when I was transferred to Green Tree nor did I request one when I was transferred. I called them immediately to find out how my escrow paid taxes that were not even due at the time of payment without my knowledge or consent and was informed I received an statement of escrow in XXXX ( Which I did not have any knowledge of ) and that because I did not respond they enacted an escrow on my behalf. It is my understanding under the current laws that if my loan did not have an escrow then it can not be forced into escrow when the service of the loan is transferred. I explained this to them and they agreed that this was done in error. They told me that they would request the county refund their payment and that once they received the money back they would close out my escrow. They even went as far as telling me that if the payment was sent to me to forward it on to them. I believed this was the end of it, unfortunately I was wrong. I received my monthly payment notice with an escrow payment attached in XXXX. I was informed that it was still being taken care of and that I should pay the amount of the escrow payment until they get it cleared up. I asked if they had even sent notice to the tax office and I was told no. After several phone calls I was told I was " misinformed '' that I would have to submit my request in writing for them to terminate my forced escrow that once I did this and paid the arrears they were remove the escrow. I received my XXXX bill the escrow was still their. I can pay the amount of the taxes but do not want them to misapply the funds so I am in a catch 22. I have to pay it to remove escrow, but they ca n't guarantee I am paying the arrears. I have also now been informed they have no wish to remove my forced escrow even through I gave them no reason to enact it in the first place. My taxes are not due in XXXX. It is my understanding the only way I can be forced into an escrow on an account without an escrow is if I am at risk for default. As I have always paid my own taxes at the same time every year and have never had a default against my property, I really do n't see how this is legal. I have explained this to them. Was told it would be cleared up and it has yet to be done and now over two months later I am being given the run around. I pay my payments, I pay my taxes their is no need for this. Also I have not been given any itemization of what they are taking out escrow on. Only that they paid my taxes before they were due and I must pay them on my statement. Please help me clear this up.
Consumer complaint received 2016-02-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Admin Recovery, LLC (NJ)

If you google this particular unscrupulous business you will see the lackluster reputation, and numerous consumer lawsuits. This agency is quite aggressive in contacting me at numerous numbers, even without first sending any verification of the debt. someone with the alias of XXXX at extension XXXX calls from this business. On, XXXX/XXXX/16 at XXXX., a message was left for this person advising to stop calling and that I have a lawyer ( contact information provided ). Further, I instructed said individual that I will be filing Chapter XXXX. Even with this message, the company decided to discard my message and placed a call to me from a spoofed number on XXXX/XXXX/16 at XXXX from XXXX.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-04-14
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NC)

I had a individucal, that i gave a check to to build me a brick mailbox. After getting the check he did not show back up. I called him several times, and he would say that he was coming back out but did not show up. After 2 weeks we cancelled the check. 4 days later the individual cashed the check with ACE check cashing company. The company continually calls my wife and wants us to pay for the cancelled check, because the individual wo n't return the money. Im now getting calls from XXXX from someone claming to be XXXX XXXX with XXXX, XXXX, and XXXX. Threaten to sue for a {$170.00} check cashed the individual with ACE Check Cashing in 2012.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Consumer complaint received 2024-08-09
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. (MO)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2015-12-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

When we obtained a mortgage XX/XX/XXXX, we had to accept an ARM mortgage with an interest rate of 8.25 % due due to a high ratio of debt. From that time, to the present, we have had two late payments ( missed deadline by 1 day and the latest late payment is explained below ) and have reduced our debt, however every time we try to remortgage at a lower interest rate, we were turned down. Our mortgage payment is XXXX. Currently, we are in the process of a no-fault, amicable divorce and we need a lower rate/help for approx 4-6 months due to the added expense of the divorce process until we can sell our house XX/XX/XXXX. XX/XX/XXXX, we did only had XXXX for the mortgage payment and contacted Chase. They let us miss the payment but added a portion of the missed payment to the next 6 payments making our monthly mortgage XXXX. We just tried to remortgage but Chase refused saying we have a late payment. We now receive mail packet after mail packet telling us they are here to help. This is a joke because they refuse. We need help or we may go into forclosure. We only need help until the house is sold. If our interest rate is reduced we would lower our normal payment from XXXX to approx. XXXX which would be a god send.
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (IL)

In this case, XXXX Services ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MN XXXX, representing their client XXXX XXXX, refused to acknowledge that I never had an account with XXXX and do not owe said XXXX XXXX {$2500.00}. XXXX wrote back that the entry meets the requirements of the Fair Credit Reporting Act. However, that is impossible given that I never engaged their client and only had XXXX and it 's predecessor. Please assist in preventing them from collecting under a false premise.
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SHARP COLLECTIONS, INC (FL)

I was charged with a collection involving taxs for a specific county in PA for XX/XX/XXXX/XX/XX/XXXX All information presented by Sharpe collections was incorrect, false, misleading and not adequately vetted. Supporting documents proving the Tax 's where indeed paid where presented to Sharpe via mail. I have been repeatedly harassed by Sharpe for at least the last XXXX yrs. I have sent letters requesting them to stop harassing me and they continue to send out collection letters. Frankly I am writing this as a last attempt to have them stop harassing me or I will take this to an attorney. I DO NOT OWE ANY COUNTY TAXS. I like other people am sick and tired of being provoked by Sharpe collections with false and misleading information. I want them out of my LIFE ... ...
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XXXX XXXX we received a letter in the mail from Bank of America stating that our Mortgage will be sold to XXXX Mortgage XXXX. Out Mortgage payment is due on the XXXX day of each month with Bank of America and in the letter it states that the loan will transfer on XXXX XXXX. If I understand this correctly it means I should pay Bank of America for XXXX and then we will start payment to XXXX in XXXX. 
On XXXX XXXX we came home to XXXX messages from XXXX Mortgage asking us to call a XXXX number with a specific pin to reach our message. The message stated that we are delinquent on our XXXX payment to XXXX and to continue of for instructions on how to send payment. In addition to the letter from BoA stating that we begin AFTER XXXX XXXX sending our payment to XXXX we have received no correspondence from them at all, nor do we have an account number to attach to the payment. 
I called XXXX Mortgage 's customer service number and talked with XXXX. He twice asked for my account number even though I told him we do not have XXXX due to lack of correspondence from his company. He then assured me that we were fine as we have 60 days from transfer of our Mortgage holding to begin paying and that we should be receiving a welcome packet any day now. He also said that Bank of America should be forwarding our XXXX payment to them, which I am unable to confirm at this time due to BoA customer service being closed. I am troubled that Customer Service tells us it is no issue but we have already received delinquency calls.
Consumer complaint received 2015-12-07
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. (AL)

Placed account on crefit report for XXXX. I have contacted att to verify debt. I am a current customer and have XXXX debt with the company. The collection was placed on my XXXX and XXXX report. The company calls about XXXX times a day from multiple numbers.
Consumer complaint received 2015-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (MD)

I got divorced in XX/XX/XXXX i got a mod pd XXXX payments XX/XX/XXXX i had a bad motorcycle accident then they took it back i fault with them for 4 years then they told me my name was not on the morg. they have been reporting on my credit for 5 years and have ruined my credit, to the point that I am unable to get a mortgage. My credit was ok until this started. I have even tried to get a mortgage through them, but they told me they were unable to give me a mortgage due to my credit, that they ruined. Now I must go to court XXXX XXXX for a status conference, and this is the XXXX. They said that they sold my house and I never got any paperwork of the sale or date of sale. I do not want to loose my home. They have done so many illegal things. I have had to hire a company to get my credit straight and get them off of my credit report. I have so much more to say and do not know where to begin. I have not even had my day in court to tell the judge what all has happened while trying to save my house. Can you please help me? the morg. is still in my xwifes name
Consumer complaint received 2015-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (UT)

I received a XXXX INT for my Escrow interest for {$64.00}, I have neverreceived XXXX before so I called customer service and was told it wasbecause my interest was always below {$10.00} so they do n't send them, my escrow is the same dollar amount it has always been, which by XXXX is around {$3200.00}. 
Not sure how that can give me {$64.00} in interest, I have called and wastold someone would contact me in 7-10 days, XXXX and never heardfrom anyone, I have emailed several times and told someone wouldcontact me within 24 hours and never hear anything.
Consumer complaint received 2015-12-08
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Cooper Hoffman Klein Associates (UT)

calls started XXXX/XXXX/2015 from XXXX XXXX from XXXX XXXX and XXXX saying I owed a debt from XXXX and that I never paid this and he was going to file criminal charges for check fraud because I took money from the company with no intent of paying it back I had a payment arrangement with XXXX that I made a payment on he called my work number XXXX gave him my cell and he left a message XXXX/XXXX/2015 saying since I do n't want to take care of my responsibilities he was going to file said charges I spoke with him several times and acknowledge my debt he likes to hang up on people I eventually that same day spoke with someone and made a arrangement of XXXX every 2 weeks I asked him if I could do XXXX something every week instead he said yes as long it was the same amount of money with in the same amount of time so after the first payment XXXX/XXXX/2015 of XXXX I called and asked if I could go to the every week payment and I was told no then hung up on I called again and was told yes he was changing it now so on XXXX/XXXX/15 the XXXX was pulled again so I called XXXX/XXXX/2015 to talk to him they do n't know who he is they say I am combative and I only talked to XXXX XXXX which was incorrect and say that I can not dictate them how to do there jobs when I clearly said it would be the same amount of money they can not under stand they are rude and do n't understand that I am owning up to the debt or I would not have made arrangements to pay at all I ask them for documentation and they can not or refuse to show me anything also I am not going to be harassed and threatened over XXXX
Consumer complaint received 2015-03-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: EXPERT GLOBAL SOLUTIONS, INC. (GA)

System and Services Technologies ( SST ) a company of NCO has violated again Fair Collection Practices Act and refuses to provide me with the information I have been requesting from them and acknowledging my dispute of charges. They have already been fined by the FTC and states for such practices.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-03-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (FL)

They ask for my full social security number, which, of course, I do n't give out. They say I owe a bank named Sychrony. Never heard of them. They call constantly, as early as XXXX est. The number is XXXX. Lately my caller ID just shows out of area.
Consumer complaint received 2015-03-24
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Allied Collection Services, Inc. (Nevada) (NV)

I am attaching in the form of an attachment a Motion to Set Aside Judgment and Request for Sanctions for violation of the Fair Debt Collection Act that will be forwarded under separate cover unless there is a way to attached a filed hereto.
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (CA)

I opened a Target Red Card a while back, I have never been late on a payment of any of my credit cards for 15 years. I made a payment 3 days before my actual billing cycle ( I was going XXXX and was trying to tye up lose ends ). This payment posted for the earlier billing month making me late. Target Red Card reported this lateness to the credit bureau I called and asked for a courtesy adjustment since I had made a payment just a bit too early and they would not help me. I paid the ballance of the card and will never use it again after this experience.
Consumer complaint received 2015-04-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Suburban Credit Corporation (MD)

Received phone call on my work line. Individual said it was a personal business matter and would not disclose the nature of the call. I then asked for the name and phone number in which to return the call because I was at work and could not discuss such things. He would not share such information. I then requested for him to not contact me at work, and he then asked to speak to my supervisor. He continued to badger me and I then mentioned to him that I will report him if he continued to harass me. He then said that he 's going to report me. I hung up the phone as work is not the time nor place to deal with harassment. He did n't state where he was from, what the matter was in reference to, his name or any additional information. I did advise him that this was a federal line and that I would report him. In turn, he said he would do the same.