davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Medical Management, Inc. (PA)

I received a letter from Financial Recoveries located in XXXX XXXX NJ. The letter stated that I owed {$40.00}, I called Financial Recoveries at XXXX and spoke with a XXXX and when he answered the call he stated that I was reaching the office of XXXX I could not make out his last name. However he misrepresented himself by not saying that I reached Financial Recoveries. I asked XXXX for an itemized bill and he told me that first they did not have a copy of the bill and that if I wanted a copy that I would need to put my request in written. I explained to him that I work in the collection industry and that they needed to provide me with a copy of the bill whether it is a verbal or written request for proof of the debt. After getting no where with XXXX I asked to speak to his manager and he told me to have a nice day and hung up on me. 

I then went on the internet and got another number for Financial Recoveries XXXX. I spoke to a XXXX XXXX and again when I asked for a copy of the bill he told me that the bill was for a Doctor XXXX XXXX and I explained to him that I paid that bill he then stated that they did n't have a copy of the bill and that I would need to request that in writing. I explained to XXXX that I work in the collection industry and that whether my request for proof of the debt was verbal or in writing that they needed to provide it to me. After XXXX kept over speaking me and telling me that is not the case I asked to speak to his Manager, I was put on a brief hold and XXXX came back on and said I spoke to my supervisor and he told me that what I told you was correct. I then said to XXXX that is no what I asked for I asked to speak to your Manager after several minutes of going back and forth with XXXX I lost my patience because he would not let me speak and when I asked for his Manager again he then hung up on me. 

I then called the doctors office I believe this bill is associated with at XXXX and they gave me the phone number to their billing service in XXXX Pa I called XXXX. I spoke to a man named XXXX XXXX he told me he could not find any bill listed for myself. XXXX then gave me the phone number to customer service XXXX. I called and spoke to an XXXX XXXX he also stated that he could not find any bill paid or unpaid bill listed under my name or social security number. 

XXXX gave me a number for the physician 's billing service and gave me a number to a XXXX XXXX XXXX, I called and left XXXX a message and am waiting to hear back from her.
Consumer complaint received 2015-07-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (TX)

ACS/XXXX XXXX XXXX / XXXX ( this was a private loan ) ... ACS began servicing this loan in XX/XX/XXXX. There were never any payments made on this loan. Payments were to begin on XX/XX/XXXX. This account should have been removed from from reporting agencies in XX/XX/XXXX. This information is being reported differently on all XXXX reporting agencies : XXXX : ACS/XXXX XXXX XXXX / XXXX. Reporting date of first delinquency as XX/XX/XXXXXXXX : XXXX - XXXX / XXXX ACS. Reporting date of first delinquency as XX/XX/XXXXXXXX : ACSXXXX XXXX. Reporting date of first delinquency as 60 days past due as of XX/XX/XXXXACS is telling me that I need to contact XXXX XXXX to resolve this issue. XXXX XXXX is no longer in business. All the numbers for XXXX XXXX ring back to ACS. ACS is telling me that they are not responsible for reporting because they no longer have the account.
Consumer complaint received 2015-08-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I am a XXXX year old widow who was mislead and convinced Ineeded a home equity loan by Washington Mutual Bank inXXXX of XXXX. From that point until XXXX XXXX when Chasemodified loan. Approximately forty percent of my monthlyincome was being spent to satisfy loan. Then Chase reducedmy interest rate and escrowed my taxes and insuranceinto XXXX payment making my payments easier. HoweverI discovered that for from XXXX XXXX until week XXXX XXXX Chase had not applied any of my monthly paymentstoward principal. Balance stayed same for seven years. 
I read and reread loan agreement many times and had mychildren examine loan documents. The original loan and nowmodified loan is not interest only agreement! Its principalinterest and escrow. I have many documents supportingmy case of mortgage fraud against Washington Mutualand now continuing fraud by Chase. By Chase not applying mypayments to principal it increases my interest rate much higher thanwhat was written in instrument of mortgage. That 's mortgage fraud! In ten yearsof making payments of approximately XXXX dollars my principalbalance is XXXX. Again I have maybe XXXX documents proving this fraud. 
When I contact Chase and make inquires regarding this fraud they justhang up the phone or place me on hold for hours. Last week alone XXXX hoursphone. Total time in eight weeks more than XXXX hours. Everyday a differentanswer. I have also gone in person to many Chase banks to have employeesclaim they have no access to information regarding loan. I have proof by chasesown letters of fraud. From monthly statements to original loan document. 
This is my last effort before I file a lawsuit against Chase for mortgage fraud. 
Any assistance you could provide would be helpful because cost of anattorney maybe too high? Again I have documented proof of mortgage fraud.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (CA)

Equifax makes it very difficult to lift a security freeze. Here is what I had to do. 
1. Called the number on my confirmation letter. The person told me it would take five days if he did it, but I could call another number for an automated system or do it online. 
2. I called the other number. After asking for my SSN and address number, it told me it could n't process my request. I would guess this is because they have an old address even though I 've been at my current address for more than four years. 
3. I tried online. The page they told me to go to did n't come up ( probably because I was n't using https ), but I was able to navigate from the home page. After filling out the first page, it sent me to a second page that said I would have to provide my PIN in writing. The first page did not have a way to enter my PIN. 
4. I tried the automated phone line again using my previous address. It did not work. 
5. I tried online again. Same result. 
6. I called the original number and went through the process. At the end, he said it would take 15 minutes to 5 days. I said 5 days is unacceptable. He then said it would be 15 minutes to 30 minutes.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (GA)

I am a XXXX in the state of Georgia and I was hired to repair a home that had been damaged by a hail storm. The insurance check was sent to the homeowner in the mortgage companies name, Ditech Financial LLC, and the homeowners name. The homeowner endorsed the check and sent it to the mortgage company. After completion of the work the mortgage company was supposed to send a check back to the homeowner in my name and the homeowners name so I would be paid for the work. I submitted all requested paperwork to the mortgage company and they refuse to pay me for the work. The home owner and myself are on good terms and all work was preformed to the satisfaction of the homeowner.The mortgage company is stonewalling the payment for no apparent reason. I have been lied to by the mortgage company several times and at this point believe that the company has no intention of paying me. I have been left with no other option but to sue the homeowner for the amount due which is going to destroy our good relationship.
Consumer complaint received 2015-07-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Platinum Holdings Group, LLC (FL)

I have received calls from " The Huntington Group '' - telephone number XXXX, XXXX, XXXX ( and more ) representing themselves as a number of varying folks from process servers to attorneys, up to Managing Partner, XXXX XXXX. They have now called my cell phone, my home phone, my work phone, and my work corporate office threatening a Summons to Appear, advising that they have been unable to reach me at my home, which is the same address that I have had for XXXX years. 

I have called these folks back, and they continually ask me to pay anywhere between {$500.00} - {$2000.00}, gradually decreasing each time I refuse, however, will not tell me what the debt is for, will not provide me proof or validation of the debt, and will not provide me with a mailing address to mail them these requests or a formal request to stop calling me until the debt can be validated. 

I have asked these people to cease calling me at any numbers until they can provide proof of the debt, at which point I am told that they do n't have to provide that since they are a " Legal Group '' vs. a debt collector, yet no record of the company exists. 

They refuse to end calling - most specifically my place of business, until I make a payment toward this unknown debt. They have threatened to come to my place of business and have the HR Director or my Managing Director call me into a meeting to serve me with the necessary files if I do not pay them directly, over the phone, without validation.
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WI)

I tried to close out my loan with Ditech on XXXX XXXX. Our reoccurring payment was supposed to process on XXXX XXXX. However, they processed our payment on XXXX XXXX and then did n't close out the loan until XXXX XXXX, holding our overpayment " hostage ''. We contacted them on the XXXX when the payment came out and they said they ca n't cancel it. Then the system was down from XXXX XXXX XXXX and during this entire time frame we were unable to get any information about our loan. Now on XXXX XXXX they still can not give me any information on the status of the refund they owe me, only that it will be evaluated at the end of XXXX. I can understand if it takes awhile to process the check but I should be able to know my exact account balance daily - not over a month later.
Consumer complaint received 2016-10-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (GA)

I recently opened a checking account with Simple which is a XXXX Compass bank. They advertise online frequently. After opening my account I made a few initial deposits with no problem and then I transferred {$3000.00} to the account. Simple immediately froze my account and asked for verification. After sending in over XXXX documents and waiting almost 3 weeks they closed my account and told me they would send me a check for the amount in my account. Today I recieved a check for {$110.00} and I do n't know where the other {$3000.00} is. Support blocked my number from calling them and they will not answer me through email or message.
Consumer complaint received 2015-05-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (ME)

My name is XXXX XXXX. Greentree Lending/XXXX XXXX XXXX XXXX are currently forclosing on my mortgage. 
Before I had this lender I was with XXXX XXXX XXXX for 2 years. With the help of EHLP I paid my mortgage on time every month for 2 years. 
XXXX 2015 : End of EHLP assistance. I contacted XXXX XXXX XXXX to apply for a making home affordable modification. I sent in required documents and waited. 
XXXX 2015 : I received a letter from XXXX that they sold my loan to Greentree and that Greentree would be picking up where they left off with my modification. 
XXXX 2015 - XXXX 2015 : I heard nothing. Not a bill, no follow up on my modification, nothing. 
XXXX 2015 : I received a bill for XXXX to XXXX mortgage payments from greentree. I notified Greentree that they were supposed to be working on a modification for me and they told me they had no record of it so I applied for another through them. 
XXXX 2015 - roughly XXXX 2015 : I received a request for additional paperwork. I mailed in the additional paperwork and no word. 
XXXX 2015 : I received a letter saying they did not get paperwork they requested so I was denied a modification. I notified them I wanted to re-file. 
XXXX 2015 : Greentree lending Began the process of foreclosing on my home. Went to a mediation and got the assistance of a housing counselor. Applied with her help for another modification. Surprise! This time they gave me an offer for a mod however I was not able to get a XXXX XXXX because now I owed too much of a back bill to qualify for the hamp XXXX XXXX a month payment. They offered me a hamp XXXX mod for XXXX per month which is XXXX whole dollars less than what I can pay now. I appealed without the help of my counselor. They responded after my 30 day trial with a denial letter. 
XXXX 2015 : Went to another mediation without my housing counselor. I told them I could not afford XXXX per month and they refused to negotiate with me further to help me save my home. They stressed a quick sale.About XXXX weeks later I received foreclosure paperwork in the mail. 

If Greentree had n't dropped the bomb to begin with on my original request for modification I never would have been denied a hamp XXXX modification! I feel like they are trying to forclose on me and make a quick dollar. I have XXXX kids XXXX dogs and XXXX cats. Where are we supposed to do. They wont even negotiate and it was n't my fault they never picked up the paperwork from XXXX XXXX XXXX!
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

I am a XXXX year old woman on a fixed income and had a terrible experience getting a mortgage for a condo. I had signed all the papers, was told that there were no problems, the 30yr fixed loan would be approved in a few days and had been sent for final approval. I gave notice at my apt because I can not afford overlapping payments. 
The broker called and told me the 30yr fixed loan could not be approved because there are more than XXXX % renters in complex - SOMETHING HE SHOULD HAVE CHECKED ON IN BEGINNING OF PROCESS. He offered me an ARM. I initially refused. The broker and agent pressured me that I would not get my {$13000.00} deposit back because I signed the contingencies ( never explained ) and that the sellers would most likely sue me and also, possibly, the people they were buying from would sue. My apt had been rented and I had nowhere to go so I went ahead with the deal. 
The loan officer pledged to give me his {$2800.00} commission at signing, which I have in writing. ( So he would n't get in trouble and to reimburse me for the agony. ) My realestatae agent originally made the offer by phone. I signed on XXXX XXXX, no {$2800.00}. I have contacted the broker a number of times and he does not respond. The real estate agent is n't helping. 
The loan officer, who was also rude and accidentally forwarded me an insulting message sent to one of his coworkers, is XXXX XXXX, XXXX ID XXXX, XXXX XXXX, XXXX XXXX, phone : XXXX XXXX
Consumer complaint received 2018-07-17
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: Experian Information Solutions Inc. (NJ)

XXXX  is reporting information that submitted to be taken off of my report. debt was paid for XXXX credit card and an agreement was made for that account to be taken off my credit report. XXXX is reported as deliquent and it has been paid for
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2016-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ECMC GROUP, INC. (TX)

I saw XXXX collections on my credit from ECMC, a collection agency that is not bonded to collect in my state. I sent for validation from them but they never responded. My student loans were consolidated and are current, yet this agency refuse to remove this inaccurate information from my credit. 
ECMC IS NOT BONDED TO COLLECT IN MY STATE
Consumer complaint received 2018-07-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, I know my updated credit score and have validated this with my bank and several other banks. These reports state that my updated credit score is XXXX. I have applied for two loans. They based their determination on an extremely outdated credit score, XXXX, a credit score I had well over a year ago. I know that Transunion does indeed report to the banks and they report it as XXXX currently, at this time. However, when I applied for loans, three loan companies stated that TransUnion provided a score of XXXX. I wrote to TransUnion, via the XXXX, telling them to please update my credit score so I can apply for a loan and get a better rate. Sadly, my written inquiry must have been picked up by a robot, not a human who actually read my letter. What I got back was a credit report only. No score, no response to my inquiry whatsoever. You can't actually call Transunion. You get a recording. I'm stuck now with this. It's like a curse because I have worked extremely hard to improve my credit, all for naught.
Consumer complaint received 2020-06-15
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: EQUIFAX, INC. (FL)

I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 

XXXX XXXX opened XX/XX/XXXX acc # XXXX XXXX XXXX opened XX/XX/XXXX Acc # XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft report.
Consumer complaint received 2016-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I have had an ongoing issue with Santander since the beginning of our 7 year relationship. However, the most recent being that I finally gave up on them and sold my home. I closed on XXXX. I asked for an " accounting '' of fees I was charged. This proved to be to much for Santander. I was told " oh we found {$400.00} we owe you and they sent me a check for that but that made me even more concerned about charges. I asked for a full accounting and was given the run around for several weeks. Finally someone got back to me and it was to tell me they do n't have to show me their attorney invoices because they are protected under attorney client ... .well if it was for work they supposedly did for my property I would think that would n't fall in that category. Also, why did it take months for someone to say that. They are HORRIBLE at customer service and could not prove all of the " fees '' that were taken from me. I am owed a refund.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (IL)

I received a letter saying that at that " As you requested we successfully placed an initial fraud alert on your Equifax credit file. '' I DID NOT request this. Also, " To eliminate the need for you to also contact XXXX and XXXX, we will forward your fraud alert request to them on your behalf. '' There was no fraud alert request and why are the forwarding a something that does not exist? 
This is a gross misuse and abuse of their power. They are doing whatever they want to do irregardless of how it will effect other. To include placing inaccurate data on peoples credit reports. They need to be stopped.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc. (FL)

On Friday, XX/XX/2020 I made a payment of {$290.00} with my debit card. I asked if my payment would be applied to reflect the account balance back to XXXX before the new statement date. 

The young lady was nice and stated she wasn't sure when it would be. 

My reason for making the payment is to show XXXX balance and not bring my debt ratio up and negatively affect my credit score. 

I logged into my account on Saturday, XX/XX/2020 to make sure balance was XXXX and noticed it still showed a balance of {$290.00}. I call the customer service # to find out why my balance wasn't XXXX. The lady states that if you don't make a payment before XXXX XXXX   central time it won't reflect until Tuesday, XX/XX/2020. 

If that is a policy with the company, then they need to show that when making a payment so customers are aware of that. 

My credit score has dropped 40 points because of that and I am looking to move and my score needs to be in the 600 's. 

I need you to reflect on my current balance of XXXX of my credit report so I can apply with the leasing office asap. Thanks