davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (LA)

My FICO credit score dropped XXXX points from last month due to a derogatory public record. After looking into this, I learned that it stems from bankruptcy, foreclosure, tax leins or civil judgment. However, none of these things apply to me : I 've never filed bankruptcy or had to foreclose on a property, I 've never been to court, and I have no knowledge of a tax lien being have been imposed or a collection filed against me. What can I do about getting this removed from my credit report? Not only is it a mistake on my report, it very negatively impacted my score.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

A overseas call center for a creditor in approximately   XXXX   input my name incorrectly as  XXXX   XXXX . That name now shows as an alias on my credit file. I have disputed this with  XXXX  who stated that according to the creditor the information is correct even though I stated in writing  XXXX   XXXX  IS NOT my name, was added by an overseas call center employee who could n't understand my   XXXX   XXXX  , and I HAVE NEVER used that name!   XXXX   REFUSES to correct the error!!!!
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: DRAPER AND KRAMER MORTGAGE CORP AND ECLIPSE MORTGAGE LLC (IL)

1. I closed a loan with 1st Advantage Mortgage on XXXX/XXXX/XXXX. Apparently one of the documents I signed was a quit claim deed conveying title of my home from my trust to another trust with a different last name and my wife 's trust. This was not disclosed to me prior to the closing and was completely unnecessary to for the effectiveness of the mortgage given our home has been in my trust and my wife 's trust ( XXXX ) since we established the trust in XX/XX/XXXX. Moreover, we have refinanced our home at least 6 times with this same company since XX/XX/XXXX so this was not new information. 

2. I received a notice from the XXXX County Recorder of Deeds indicating possible fraudulent activity regarding this quit claim deed given the the last name of one of the trusts ( mine ) was different then their records. 

3. Even though the closing took place 2 months ago, I have yet to receive a complete set of executed closing documents. 

4. The loan is current and in good standing. XXXX XXXX debt service has been paid.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (MD)

We have been in Loan Modification mode with this " Company '' for six + years, paying " interest only '' modifications that must be re-approved every two or three years, or the mortgage will convert to a " Post Modification '' rate of 6.99 %.
Our goal has been to secure a fixed modified rate, based on current conditions, for the life of the loan, and think that six + years is long enough to evaluate a client.
The last offer from this " Company '' as of this month ( XXXX XXXX ) was for another " Short Term Interest Only Modification '' for five years@4.375 % which, again, converts to 6.99 % after the five year term.
<P/>
We are tired of having to go through Loan Modification XXXX XXXX with this " Company '' and are complaining about how we have been treated over these past years.
<P/>
We purchased this house with a Conventional mortgage, not wanting to get involved with the then XXXX/XXXX stuff going on in the government. Unfortunately, all the programs available for permanent modifications to one 's mortgage due to the " underwarter '' situation created in XX/XX/XXXX-XX/XX/XXXX, are only available to the ones that have XXXX/XXXX  loans, that of course our taxes pay for [ the programs ] and we do n't have access to.
<P/>
We think a fair offer, considering all we have been through with this " Company '', and considering the market that the housing " bubble '' caused, and considering our Conventional Loan mortgage, would be at least a two to five year interest only modification at 4.375 % converting to 4.375 % Principle/Int/Tax/Ins Loan for the life of the loan. Consideration would be nice ... .I guess there 's foreclosure
Consumer complaint received 2016-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ORG GC GP BUYER, LLC (AZ)

Original loan amount {$2300.00}. yes just {$2300.00}. 
collected to date directly out of my social security {$4000.00}. 
and they still want another {$1000.00}. and continue to add what appear to be made up charges. 
When is this morally wrong? 
{$4000.00} minus original {$2300.00} equals {$1700.00} profit, but they still want another $ XXXX+ Collecting over XXXX %? How can this be legal?
Consumer complaint received 2016-08-09
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SECURITY CREDIT SYSTEMS INC (MI)

I was on a payment plan with this agency for a debt and they wanted me to pay more and repeated called and repeated told me what a loser I was because I could pay more than what I was ( I was and am unemployed ). They then just stopped taking my auto payments and continue to call and send letters. I have asked then not to contact me via phone repeatedly and wrote letters requesting my original payment plan. They ignore it and keep sending me the same letter saying I have ignored them. If I would have been on my payment plan from when they stopped it this debt would be paid. I can even put into words how upsetting this has been.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

This is in response to Complaint #  XXXX .  <P/> The answer is NOT acceptable. It clearly admits liability that DITECH misappropriated funds. We do NOT have a    XXXX   XXXX    account nor ever had one. It is the full responsibility of Ditech to recover the monies they misappropriated and credit account in full to  XXXX   XXXX .  <P/> 1. The {$14000.00} must be applied to principal only on account #  XXXX .  <P/> 2. Please provide photocopies of all checks received. Show where total is {$14000.00} instead of {$14000.00}. This has been reviewed and verified by the  XXXX   XXXX    XXXX   as the correct amount.  <P/> 3. If you have a mail delivery problem, address it directly to USPS.  <P/> 4. All monies of {$14000.00} are to be applied to Principal Only. No authorization was given for {$360.00} to be deducted for administrative costs. Our records through monthly certified mails receipts indicate no late fees of any kind. This amount must be re-applied to principle amount immediately.  <P/> If this matter is not resolved by the time frame of the required reply,  legal council  will immediately submit a Summary Judgment against Ditech in  the county  court of  XXXX   XXXX ,  XXXX , CO., in order to recover funds.  <P/> Because DITECH has held the monies in their possession since  XXXX   XXXX , they are liable for actual and punitive damages, interest, certified mail fees, and all legal fees and court costs.  <P/> A formal complaint with the Attorney General of CO has been filed concerning consumer fraud, misappropriation and extortion of funds.  <P/> All replies are forwarded to local  XXXX   XXXX , Consumers Corner for on-air viewing.
Consumer complaint received 2016-09-06
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one 's collection agency keeps calling me non stop. I lost my job and in the interim I thought my business would take off and it has n't yet. This has been going on for several years before my son passed away in 2013. They sent me emails pretending that they were the XXXX of VA and I have a warrant out for my arrest? Plus they had someone call my cell phone saying he was XXXX and he was coming within 24 to 48 hours to give me a summons? The bill is around XXXX dollars. I want this game over.
Consumer complaint received 2016-08-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (GA)

On XXXX XXXX, 2016 I received a call from XXXX at CNAC at my place of employment. XXXX called a different department asking to speak to my Supervisor not knowing that the person she spoke with was a Supervisor. The Supervisor asked what was the call in reference to and asked her was it in reference to my kids. She would n't give them a any information but stated that her name was " XXXX '' and proceeded to ask to speak to my Supervisor so this particular Supervisor directed the call to my office but I was unavailable at the time. Fortunately my Supervisor was able to get the number off of the Caller ID so I would be able to call the number back. After calling the number back and asking for " XXXX '' she stated that her name was XXXX with CNAC. XXXX continued the conversation by telling me that if I did n't pay them that they would take me to court and garnish my wages. I stated to XXXX to come and pick the vehicle up and do not call my place of employment again and hung up the phone. After hanging up the phone XXXX called my place of employment right back and proceeded to harass by telling me how rude and disrespectful I was and that they were going to take me to court and win and garnish my wages. I told her to speak with my attorney and she told me that I did n't have an attorney and then I hung up the phone. That day I went and filed for bankruptcy because of the threats and harassment so that she would not continue to call my place of employment. After filing for bankruptcy CNAC started reporting negative information to the credit bureaus. CNAC also called my place of employment several times before this incident. I also purchased another vehicle from an actual dealership and they called CNAC for some information and CNAC called them back and stated to them to not sell me a vehicle because I would not pay them but if you look at my payment history they were always paid for the past ( almost ) 2 years before this incident.
Consumer complaint received 2017-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (TN)

Pulled my credit due to trying to buy a house. I found that I had a medical collection from Central Financial. This is a medical debt from XXXX XXXX Hospital. I sent a dispute in on XX/XX/XXXX stating I provided both insurance to the hospital. My XXXX XXXX was already in the system but when I started working and had XXXX added at the time of visit. XXXX XXXX removed my XXXX XXXX and just added XXXX. This was the only insurance billed. The sent notification back stating I verbally gave only 1 insurance information and will not remove the collection nor stop collection. I called back on XXXX XXXX and the agent I spoke to went through the entire account and realized the account went into collection XX/XX/XXXX. I called in on XX/XX/XXXX letting the agent know that I had a secondary insurance that should have been billed. He stated that it was 2 accounts in the system and the agent notated only 1 account and that 's why they are only pursing that 1 account. He told me to send in another dispute stating the information that was given. I called today to see if there was an update on the second dispute. I was told by the agent that I was not allowed to do a second dispute and also they just received the second account in XXXX that also need to be paid. I know this information is not true due to the fact that both accounts was in there office when I sent the first dispute in XXXX.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

A overseas call center for a creditor in approximately   XXXX   input my name incorrectly as  XXXX   XXXX . That name now shows as an alias on my credit file. I have disputed this with  XXXX  who stated that according to the creditor the information is correct even though I stated in writing  XXXX   XXXX  IS NOT my name, was added by an overseas call center employee who could n't understand my   XXXX   XXXX  , and I HAVE NEVER used that name!  XXXX  REFUSES to correct the error!!!!
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are XXXX accounts on my credit file that are over the time frame of 7 to 10 years allowed by the FCRA for reporting. I have disputed these entries to no avail and have not been given a reason for them remaining on file.
Consumer complaint received 2017-07-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have called all three credit bureaus ( Transunion, XXXX, XXXX ) a total of 10 times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I called to inform them that my reports show 2 bankruptcy filings that do not belong to me that was supposedly filed on my behalf in XXXX County, NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the Bureaus to verify such a record exist. I noticed as of today XX/XX/XXXX yet another Bankruptcy has appeared on my credit report. I work in XXXX XXXX and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all 3 bureaus and they have done nothing at all.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (MD)

I have been the victim of  Fraud  starting   XX/XX/XXXX . Chase   Card obtained unauthorized copies of my  XXXX  and   XXXX   reports sending Hard nq uiries on the following dates  :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  I co ntacted Chase Bank at  XXXX . They sent me to their Lost  Prevention Team and they told me that they can not find me in their system. I contacted  XXXX  and  XXXX  and they can not understan how they can not find my information when they are the ones asking for the information. I never applied for Chase Card, I believe I was th e victim of fraud because when I obtained my credit report, there are many errors with my name. It shows  XXXX   XXXX ,  XXXX   XXXX   XXXX . I am attaching a formal complaint I did as well as all the ahrd inquiries Chase did.
Consumer complaint received 2017-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This is reference to  Case No.   XXXX  previously filed with the CFPB.  <P/> Overview : Since  XXXX    XXXX  , PORTFOLIO RECOVERY - a debt collector company, continues to place on my Credit File with   XXXX   and  XXXX . I will dispute the debt, requesting validation of the alleged debt ( or the name of the Creditor they are attempting to collect the debt ) and PORTFOLOIO RECOVERY will delete from my Credit Files, then  two  months later they will placed the alleged debt back on my Credit Files. I have sent numerous letters via Certified Letters requesting validation of the alleged debt and to date, no response. A clear violations of the FCRA an d Federal Debt Collection Act.   <P/> Follow-up Remarks : The response from Portfolio Recovery is an outright avoidance by skirting their responsibility to be in compliance with FCRA ; not to mention PORTFOLIO RECOVERY  may  have committed fraud!  <P/> I have not " with confidence '' never received any response from Portfolio Recovery to date  (  see attached ). My past experience with PORTFOLIO RECOVERY is whenever I dispute this alleged debt, PORTFOLIO RECOVERY will remove from my credit files at once and then resurface a few months later!  <P/> Also I have noticed on my Credit Report are their attempts to obtain / access my credit reports ( over  120  attempts ) based on limited information with hopes of making a hit of the  three  rules debt validation. It 's because when I call them they keep asking for my " FULL '' SSN ( last four digit is not enough for them to locate " my file '' ).  <P/> Also, the attached statements has an address that I have never, ever had a residence nor have I ever lived there!  <P/> Once again, I demand proof this alleged debt is mine with proof of my signature and my Full SSN, not the last  four  digit of my SSN ( PORTFOLIO RECOVERY got the last  four  digit because of the requirement by CFPB and now illegally used this information to their advantage ).  <P/> Furthermore, to help you resolve this, I was not even living in the States during the timeframe as per the " fabricated statements ''.  <P/> I demand CFPB should investigate / prosecute this firm " Portfolio Recovery '' for fraud!
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

Had mortgage that sold and they wanted to refinance at lower rate, They never got around to the refinance and account was caught up, then it was sold again. My payments were not being pasted to my account but was put into an escrow account. My mortgage did not have an escrow account but they refuse to give me credit for my payments. They are trying to force us into refi at a much higher rate and keep increasing my payment .But they keep taking my money but not giving credit. THE NAME IS BAYVIEW LOAN, SERVICE, XXXX of XXXX, FL XXXX. PH XXXX. They do not answer the phone or written correspondence.
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have contacted this company three times. They continue to call and send letters stating the debt is mines. I have told them debt is not mines. But they continue to send a computer generated bill from the actual creditor. They are also contacting me claiming to be an attorneys office which is against the law.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

After a very serious recent bout with  XXXX   XXXX   XXXX , in  XXXX  of  XXXX  I called the management office of a building I had to move out of in  XXXX  of  XXXX  ( due to my sickness and inability to work ) to ask what the balance was that I owed. I was told that " IF '' there was a balance it would be out of his hands and it would have been sent to a collection agency. He told me to call the building 's attorney for that information, so I did. The attorney told me she also was not sure, but gave me a number for the debt collection agency that they typically use. I immediately called that agency and spoke to a supervisor, who informed me that their company had no information on me AT ALL as of that day, and if they did receive anything I would be notified in writing/and or by telephone. That was more than 3 months ago. Today I received alerts from all   XXXX   credit agencies that I have a debt collection balance of {$7600.00} from a company called  XXXX   XXXX . To this day I have never received a letter or a telephone call, and yet they have damaged my credit without giving me an opportunity to dispute the debt. Of course this is against the law. As failure to send a written notice of  the debt is against the law, and according to the law the collector is required ( within five days of initially contacting me, which was NEVER done ), to send a written notice of the debt that includes : 1 ) The amount of the debt 2 ) The name of the original creditor to whom the debt is owed 3 ) A st atement describing my right to dispute the debt. NONE of these things were done. Therefore, I want this trade line removed from ALL  XXXX  of my credit reports IMMEDIATELY, and I would like an opportunity to go over the amount they say I owe, as I also believe that the amount stated is ALSO not accurate.
Consumer complaint received 2017-05-30
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. (NJ)

After a very serious recent bout with XXXX XXXX XXXX, in XX/XX/XXXX I called the management office of a building I had to move out of in XX/XX/XXXX ( due to my sickness and inability to work ) to ask what the balance was that I owed. I was told that " IF '' there was a balance it would be out of his hands and it would have been sent to a collection agency. He told me to call the building 's attorney for that information, so I did. The attorney told me she also was not sure, but gave me a number for the debt collection agency that they typically use. I immediately called that agency and spoke to a supervisor, who informed me that their company had no information on me AT ALL as of that day, and if they did receive anything I would be notified in writing/and or by telephone. That was more than 3 months ago. Today I received alerts from all three credit agencies that I have a debt collection balance of {$7600.00} from a company called XXXX XXXX. To this day I have never received a letter or a telephone call, and yet they have damaged my credit without giving me an opportunity to dispute the debt. Of course this is against the law. As failure to send a written notice of the debt is against the law, and according to the law the collector is required ( within five days of initially contacting me, which was NEVER done ), to send a written notice of the debt that includes : 1 ) The amount of the debt 2 ) The name of the original creditor to whom the debt is owed 3 ) A statement describing my right to dispute the debt. NONE of these things were done. Therefore, I want this trade line removed from ALL THREE of my credit reports IMMEDIATELY, and I would like an opportunity to go over the amount they say I owe, as I also believe that the amount stated is ALSO not accurate.