davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I have a mortgage through Green Tree Servicing and two months ago, I entered in the wrong payment amount and my mortgage payment was short XXXX ( XXXX cents ). Green tree accepted that payment and then I noticed that they attempted to collect my mortgage payment again, for {$1300.00}. The second attempt to collect another mortgage payment did not go through and then I started receiving the phone calls. Green tree called me at least once per day, sometimes two or three times a day demanding full payment ( {$1300.00} ). They threatened everything from reporting me to the credit bureau to raising my rates. They were rude, aggressive and verbally abusive. I asked to speak to a supervisor and was yelled at by the " supervisor '' as well. When I asked to speak to a supervisor, I was told that I had to pay the {$1300.00} first, or that I could not be transferred. Keep in mind that they still had the {$1300.00}. When I told them that I would pay XXXX on the next bill I was told that they " did not accept partial payments ''. I finally found another telephone number and called in only to be sent straight through to the collections department again. This time, they wanted to speak with my bank. I refused to let them, and then they demanded access to my bank statements. Again, I refused. I told them repeatedly that they no longer had permission to call my phone ( cell phone I do not have a home phone ) and that any further correspondence would have to be via mail. This did not stop them. The harassment continued. After XXXX weeks, the calls finally stopped. I paid the extra XXXX on the next bill and I did not have any more trouble until, when this month, I sold the house. 
The closing date was on XX/XX/XXXX. My payment was due on XX/XX/XXXX. I called on Monday, XX/XX/XXXX to make sure the wire transfer went through and, again, was sent straight through to collections and was treated like a criminal and they would not tell me the balance on my escrow account until I made my XX/XX/XXXX payment. Even after explaining to XXXX different employees that the house had closed only Friday, they were rude and kept repeating, " you need to make a payment '', " why do n't you just make a payment '' " i 'm not going to ( transfer you, help you ) until you make a payment ''. 
This company should be closed down for good. I see that they have been fined. This, apparently, did nothing to deter them from illegal collection practices, obviously.
Consumer complaint received 2024-08-30
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. (AZ)

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection.

According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX Account # XXXX Delete this account. 
15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
Child Support Enforcem Account # XXXX Delete this account.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (TN)

My name is XXXX XXXX I had a bankruptcy discharge all of my debt XXXX XXXX XXXX including a mortgage that I had initially took out with XXXX subsequent to that the loan was given to XXXX XXXX XXXX then ultimately to Greent Tree. Green tree contacted me inXXXX of XXXX asking if I wanted a loan modification they assured me that the had no intention of reporting any late payments to the credit bureaus because it was discharged, further ore I told them I would consider a loan modification subject to them sending me a letter stating such. They furthermore assured me that if I went thru the trial process and was approved upon me completing the trial period a new loan would be issued and any activity done as a result WOULD. Be reported to the credit bureaus. They even went as far as to say that since my modification was post bankruptcy there would be a new term date and it would be treated like a new loan. I just checked my credit report and there is no reporting of on time payments as promised, the new loan has a start date of XXXX XXXX XXXX final payoff XXXX XXXX XXXX. I contacted green tree this morning and was informed that this was not the case. They are refusing to stand behind their word that due to my bankruptcy being fully discharged the loan was considered new subsequently every payment I have made on my home is now NOT BEING REPORTED. They assured me by XXXX XXXX XXXX all my payments post XXXX XXXX XXXX would be reported to the credit agencies. Please assist me in making this bank do as they agree. Thank you XXXX XXXX
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Filed a dispute for charge of XXXX to my account. Company did not send product. 
Was told by USAA customer rep the company had sixty days to dispute my claim. If they received no dispute from the company the charge would be permanently removed. 
After filing the complaint the company sent me the product. 
I contacted USAA and told them it would be fine to keep the charge of XXXX on my accountWas told by USAA customer rep that the company had to dispute the claim. 
So I called the company and told them they had to call USAA and dispute the claim. 
Was told by their customer rep they did not know how to handle it and never received anything from USAA disputing the charge. 
I then called USAA AGAIN and talked to a customer rep who told me he could just removed the transaction and I could then send the company a check for XXXX. 
I agreed. 
I received a letter from USAA stating the transaction was removed. 
I sent the company a check for XXXX by priority mail and tracking number. The company received the check. 
I then received a second letter from USAA stating the charge was removed from my account and no further action was required on my part. 
A few days later I checked my account with USAA on line and discovered the charge of XXXX was again placed on my account. 
I called USAA AGAIN and spoke with another customer rep. He did not have any answer as to why the charge was again put on my account. He gave me a song and dance routine that stunk. I received XXXX letters from USAA stating the XXXX was removed. And sent the company a check for XXXX. Now the company will receive XXXX twice. Once from my check and the other from USAA.
Consumer complaint received 2015-12-01
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Filings and Claims Inc. (CO)

Was contacted 3 weeks ago and set up a payment plan for a check that is from 2008 they told me if I did n't get the {$250.00} paid off that they would be charging me {$1900.00} and take it out of my tax return. 
A week before the payment was due they called repeatedly about 6 times through the week to remind me over and over of my payment. 
My payment was due today but I had not gotten to the bank yet to put money in. They started calling at XXXX and called my phone XXXX times in a row back to back. I was in a different room dealing with my neices at the moment. I had answered the XXXX call from them and told them to stop blowing up my phone. They called back XXXX more times in a row. 
This is harassment and it needs to stop.
Consumer complaint received 2024-08-01
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)

This is to follow up about a matter of utmost urgency regarding my account with Credit Bureaus, which has been erroneously flagged for late open. These inaccuracies have had severe repercussions on my financial standing and must be rectified immediately. Despite diligent adherence to the terms and conditions outlined in my account agreement, I was dismayed to discover that my account was flagged for late closure. This erroneous designation has tarnished my credit history and impeded my ability to secure favorable financial opportunities. Such unauthorized disclosure of sensitive financial information has exposed me to potential identity theft and financial exploitation. I demand immediate action to rectify these egregious errors. Please help me correct the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MA)

I was a victim of identity theft. Someone filed a tax return using my social security number. I went through the process of notifying and putting alerts on my credit reports. I then attempted to log into a previously established Experian account and was unable to due to the fact I could not validate an email address associated with my social security number. Not until I became an " paying '' member was I transferred to their fraud department and once there I had to answer multiply questions to validate my identity. Once my identify was established they provided me with the email address which I then told them was bogus. Someone had created an Experian account using my social security number and I 'm assuming they ran a credit report and were able to see all my information. The bogus account was established on XX/XX/XXXX. I attempted to file my tax return on XX/XX/XXXX and was informed by the IRS that a XX/XX/XXXX Tax Return had already been submitted and I 'm assuming paid out using my social security number. I was able to get Experian to put a lock on the bogus account.
Consumer complaint received 2015-06-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

First I want to say that I was XXXX months behind on my mortgage payment and am in the process of getting caught up. Bank of America started doing the following : To my surprise I received in the mail a XXXX package that I was approved for a loan modification. ( I never applied for one ) When I called the bank they informed me the investor ( XXXX XXXX ) offered me a loan modification that it did n't come from them that they only service the loan. The loan modification stated the rate would be the same but they would stretch the loan out XXXX years and XXXX months and they would now escrow the account. ( Presently I only have XXXX years and XXXX months to pay and for the past XXXX years I have been paying my own insurance and taxes on the installment plan ) I declined the offer and specifically spoke to a customer rep named XXXX at Bank of America. 
Then I get another letter stating my mortgage payment was going up XXXX plus dollars to include my escrow. I called the bank again and was told to protect their interest and XXXX XXXX they were going to do escrow. They called my insurance company and told them they would be doing the payments. I stated again that I never consented or signed any papers for any loan modification and my insurance and taxes were all paid up. They went ahead and requested payment from XXXX XXXX XXXX that was already paid and XXXX sent them {$260.00} which was paid a XXXX time. Then they contacted XXXX XXXX a company that is taking over XXXX XXXX accounts and requested {$1000.00} wind insurance which is not due until the contract runs out with XXXX on XXXX XXXX. XXXX goes ahead before the due date requesting payment and Bank of America sends them a check of {$1000.00} on XXXX XXXX, 2015. Then they added all of this supposedly escrow which was not in place for the past XXXX years and are adding it to my mortgage payment. This will surely push me over the edge when I am trying to get caught up. They already threatened me with foreclosure and have been adding on late fees and inspection fees until I get caught up. 
In summary I never applied or signed for any loan modification. Ask them to prove this and they will be unable to unless they forge my signature. They started this escrow when everything was paid. They plan to do this with my taxes next which also is paid to date. The contract with XXXX was not to start until XXXX XXXX when XXXX XXXX expired and Bank of America sent XXXX XXXX {$1000.00} in XXXX from my supposedly escrow account which I never had in XXXX years adding it to my mortgage payment when all was paid until XXXX XXXX, 2015. Bank of America has created a total mess of my account.
Consumer complaint received 2015-05-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TN)

Navient refuses to send me actual paperwork showing what was borrowed verse what was paid. The co-signor on the loan has paid majority of the loan. I offered to set up payment plan for anything I still owed and they refused. They demanded it to be paid in full. They sent me the first page of a promissory note which had amounts scratched out and different schools receiving money vs. requesting money. They are very rude and offered no help to resolve the debt other than demanding payment in full. I am in the process of finishing my degree, and I am a single mom and this account is keeping me from being able to get a home to purchase or rent.
Consumer complaint received 2015-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BC SERVICES, INC. (CO)

THIS COMPLAINT IS IN RESPONSE TO MY ORIGINAL COMPLAINT THAT I HAVE FILED AGAINST BC SERVICES, WHICH CONTINUES TO VIOLATE THE LAW BY REPORTING INVALIDATED INFORMATION ON MY CREDIT REPORTS. 

THIS IS WRITTEN NOTICE TO BC SERVICES THAT YOUR CLAIM HAS BEEN DISPUTED UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ). I HAVE THE RIGHT TO DISPUTE ANY INACCURATE INFORMATION THAT IS BEING REPORTED IN MY CREDIT FILE. I HAVE REQUESTED SEVERAKL TIMES FOR BC SERVICES TO PROVIDE ME WITH PROOF THAT THIS DEBT IS INDEED MY DEBT, AND THAT I HAVE A LEGAL OBLIGATION TO PAY YOU BC SERVICES. BC SERVICES HAS REPORTED AND LISTED ON ALL XXXX OF MY MAJOR CREDIT REPORTS ( XXXX, XXXX AND XXXX XXXX INVALIDATED AND UNVERIFIED INFORMATION, WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT, BUT NOT LIMITED TO. 
I HAVE WRITTEN TO BC SERVICES SEVERAL TIMES VIA CRETIFIED MAIL AND HAVE REQUESTED THAT VALIDATION IS REQUESTED, IT HAS NOW BEEN LEGALLY PASSED THE 30 DAY TIME FRAME ALLOWED TO YOU BY LAW. THE DISPUTED INVALIDATED ACCOUNTS MUST NOW BE COMPLETELY REMOVED FROM ALL XXXX OF MY CREDIT REPORTS. AS BC SERVICES IS NO DOUBT AWARE THAT THEY HAVE LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM BY LAW. 

THE LAW REQUIRES COMPLIANCE WITH THE TERMS AND CONDITIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WITHIN 30 DAYS OR COMPLETE WITHDRAWAL IN WRITTING OF ANY CLAIM. BC SERVICES HAS FAILED TO REMOVE THIS INACCURATE AND DISPUTED ACCOUNTS OUTLINED IN MY ORIGINAL DISPUTE, AND COMPLAINT WITH THE CFPB. THESE INACCURATE ACCOUNTS SHOULD NOT BE ASSOCIATED WITH MY CREDIT REPORTS AND BC SERVICES HAS FAILED TO LEGALLY VERIFY THESE ACCOUNTS INFORMATION IN THE TIME FRAME ALLOWED BY LAW, AND THESE ACCOUNTS INFORMATION DISPUTED BY ME THE CONSUMER DOES NOT LEGALLY MEET THE REQUIREMENT OF THE FAIR CREDIT REPORTING ACT ALTHOUGHT BC SERVICES HAS REPORTED AND IS CONTINUING TO REPORT INACCURATE AND ILLEGAL INFORMATION TO ( XXXX, XXXX, AND XXXX ). 

I WOULD NOW LIKE TO KNOW WHAT ENTITY CAN NOW INFORCE THAT BC SERVICES, WHO CONTINUES TO VIOLATE THE LAW BE SANCTIONED & FINED FOR DIRECTLY VIOLATING THE LAWS?
Consumer complaint received 2015-05-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was incarcerated in XXXX XXXX XXXX ( Florida ) from XXXX XXXX, XXXX until XXXX XXXX, XXXX. While I was incarcerated for approx. 15 months my roomate at the time used my Bank of America debit/ATM card to fraudulently make hundreds of ATM withdraws and Debit Card puchases as well as writing fraudulent checks equaling over {$20000.00} XXXX dollars. These transactions began on XXXX XXXX, XXXX and ended on XXXX XXXX, XXXX. The account went into arrears and was " forced closed '' on XXXX XXXX, XXXX with a negative balance. After I was released from jail I was homeless. When I finally found a home with a solid address and a telephone and computer on XXXX XXXX, XXXX I called Bank of America to file a claim for the fraudulent activity mentioned above. I was told by a supervisor in the ATM Debit Claims Department named XXXX XXXX that the bank can only file and be responsible for claims that go back 12 months from the claim filing date. The claim filing date in this case is on XXXX XXXX, XXXX. Most of the fraudulent transactions took place over a year ago ( 12 months ) and I explained that I believe that I deserved compensation via a claim regardless of the 12 month rule. He refused to help me with this request. Instead, he referred me to the Federal Reserve website www.federalreserve.gov and told me to download the PDF document on Regulation E which explains that it is federal law that a bank is not obligated to compensate fraudulent activity that goes back more than one year ( 12 months ) from the claim date. I followed his instructions and read the PDF document and found no such rule or regulation. I then contacted the Federal Reserve Consumer Help organization at XXXX and they said that they do not have jurisdiction or supervisory authority over Bank of America so they referred me to your organization, C.F.P.B., at XXXX. I called and spoke to XXXX of your representatives who directed me to www.consumerfinance.gov to process a claim online.
Consumer complaint received 2015-04-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (OK)

Navy Federal Credit Union, explained that they would not adhere to the XXXX, and my request to dispute certain items, due to perceived fraudulent transactions. In my official XXXX letter mailed to Navy Address in XXXX, Virginia I requested all statements, and ancillary information. I was informed by the Navy CSR that if I did n't imminently make payment I would be reported to the CRA as late. This is a clear and cut violation of the Fair Credit Billing Act, and its provisions that the CCPA codified XXXX which requires CREDITORS : " In addition to creating a mechanism for dealing with billing errors, the FCBA contains additional regulations, including the following : Billing statements must be sent at least fourteen days before the payment is due for open end credit accounts that have a grace period prior to adding finance charges. 
If banks report payments as delinquent to credit bureaus they must also report a charge is disputed. 
Credit card companies may not prohibit merchants from offering discounts to people who pay with cash or check. 
Banks may generally not use money in checking or savings accounts to pay a delinquent credit account with the same bank. 
The XXXX XXXX gives a consumer the right to sue or assert defenses against the credit company ( instead of the actual merchant ) in a dispute about the quality of goods or services received, to the dollar extent of the amount of the charge ( s ) involved. ( The dollar amount of the charge must exceed {$50.00}, and the purchase must have been made in the consumer 's home state or within XXXX miles of their address ( unless the creditor is affiliated with the merchant, in which case these restrictions do not apply ). The consumer must also make a good faith attempt to resolve the dispute prior to invoking this right. ) Especially now is all the more prudent to support openness and not be punished in light of XXXX which stated purpose that created the CFPB is " To promote the financial stability of the United States by improving accountability and transparency in the financial system, to end " too big to fail '', to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. '' Id say the mere treating of reporting me as delinquent when I challenged a statement is not only counter to XXXX its counter to the mission and work of the CFPB. I am disappointed in NAVY
Consumer complaint received 2015-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (FL)

I received a Notice of Intent to Cancel from my Homeowners Insurance Company, XXXX XXXX XXXX XXXX of Florida, dated XXXX/XXXX/15. It stated that the premium in the amount of {$730.00} is due by XXXX/XXXX/15. My original mortgage was with XXXX, XXXX, XXXX, XXXX, AL XXXX. My loan was transferred to 21st Mortgage Corp., XXXX, TN XXXX, effective XXXX/XXXX/15. I have continuously made my mortgage payment which included my escrow payment. Obviously, 21 Mortgage have not been making the escrow payments. I have not received an Escrow Statement either. Also my fixed rate Mortgage was increased by 21 Mortgage from {$810.00} to {$810.00} with no explanation, effective XXXX 2015. I do not understand what this company is doing or why. Could you please advise me how to handle this situation.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.