davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-18
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

In XX/XX/XXXX 2014 my previous mortgage company XXXX XXXX ), sold our mortgage to Carrington Mortgage Services XXXX a branch of XXXX ) without any prior notification that this was even being considered. I do n't think mortgage companies should be allowed to sell our mortgages without any input from consumers. I was n't even notified that they acquired my mortgage until the XX/XX/XXXX 2014, almost 3 months after they bought it. I am an active duty military member and stationed XXXX XXXX my wife and kids are located in the XXXX area of XXXX state XXXX and the property associated with this mortgage is located in XXXX and is a Veterans Administration loan. 
When we discovered that Carrington Mortgage Services bought my mortgage, we called them to get some information as to what I needed to do to keep paying my mortgage, but their mortgage associate who we spoke to did not have any answers to any of our questions and we had to question what exactly was her purpose. They are not very helpful at all, and in fact is one of the worst customer service I have ever seen in any company. They then threatened to foreclose our home. We had to request a mortgage modification loan to get our mortgage back on track and end the foreclosure action. 
Once we started the mortgage modification process, they sent their associates in the local area of my property to take pictures and determine if the home was occupied. They did this on numerous occasions although we already informed them that our son and mother-in-law were living in the home. We had to send in all my documents they required for the mortgage modification on four separate occasions because they claimed that they did n't get it, or was somehow mis-placed in their facility somewhere. We faxed all our documents to them and also scanned and up-loaded them on their website as a backup. Hence, their excuses about it being mis-placed is nonsense. We honestly believe that they are simply incompetent and the myriad of departments they have do n't always communicate with each other.
Consumer complaint received 2016-02-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

This is the second time ( 3rd if you count XXXX XXXX XXXX going into the transfer to Green Tree ) that I have submitted full modification application to either state it was lost or incomplete. The latest and one which generates this complaint comes from Ditech. On XXXX XXXX, XXXX, I received a certified mailing with a letter dated XXXX XXXX, XXXX. Ditech stated they would not be reviewing my application due to my failure to submit the itemized missign docs. This is absolutely untrue. On Juanuar XXXX, XXXX, XXXX Central time, Ditech was sent XXXX doc, a copy of my check stub ( which I sent with the initial package ), copies of my XXXX taxes, and a signed XXXX ( a document I also previously signed ). I have included a fax receipt, the fax took a total of 3:38 seconds to complete teh fax number is XXXX ( as noted on the fax ). I can also obtain independent phone log if Ditech wishes to have additional proof. I am so tired of the runaround from Ditech, it 's obvious they are wanting to foreclose. Ditech also stated, it is my responsibility to call XXXX, my assigned rep. I have advised on countless times, I am hearing impaired, offer alternatives, and seem to be the one making accommodations. Never once have I received any correspondence from XXXX, and I content Ditech is punishing me for having a XXXX. I sending Ditech proof that I submitted the docs, per there portals, and also sending an email, fax, and have uploaded the proof on their website, however previous uploaded docs have disappeared.
Consumer complaint received 2016-11-12
Product: Credit card — 
Issue: Other — 
Company: FIRST NATIONAL BANK OF OMAHA (SC)

First National Bank of Omaha has broken 2 Federal Laws, the Fair Credit Reporting Act Section 623 ( a ) ( 3 ) and the Fair Debt Collections Practices Act Section 807 ( 8 ) in which it is stated that if a consumer disputes the information on their report the defendant is required to : a ) Provide documentation of the debt bearing the consumer 's signature b ) Mark the consumer 's credit report as disputed within 30 days. 
Neither of these things were done. The initial dispute was sent via certified mail and signed for on XX/XX/2016. I have included evidence attached showing that within 30 days, which would have been XX/XX/2016, none of the XXXX credit agencies had marked my credit reports as disputed and there was never any validation of the debt bearing my signature. 
I filed a small claims lawsuit initially XXXX from the bank proceeded to bully me ( during a phone conversation on XX/XX/2016 ) into dropping the lawsuit by arguing me about the facts of the law and then making a counterclaim against for an incorrect debt that has already been charged off anyway. He misstated the laws and would not hear my side of the story, so this is my last recourse to get the information removed from my credit report. 
I am including as attachments 1. Original dispute to the First National Bank of Omaha 2. Evidence of date it was signed for on XX/XX/2016 3. Subsequent letters to the First National Bank of Omaha 4. Evidence of dates they were signed for XX/XX/2016 5. Screenshot showing the information was not marked disputed by XX/XX/2016 -- was not even marked disputed by XX/XX/2016 when credit report was run
Consumer complaint received 2016-08-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Over the past 6 months or more, I received on some occasions almost daily calls, sometimes even multiple times a day. They are all from different numbers and none of them leave a message. At one point my mother was called and when she answered the phone they asked for me by name. I am in no way connected to my mother 's phone number and her name is not connected in any way to any debt I owe. After this I called the number she sent me and was not told who they were until I provided personal information. I asked if I could check them out before I gave any personal information and how they gained my mothers contact information. They refused to give me an answer. I eventually XXXX the number and found out that the company was portfolio recovery and there were many others who complained about similar tactics being used. They continue to call using different phone numbers and never leave a message identifying themselves.
Consumer complaint received 2016-08-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The debt has an agreement to be paid by paying XXXX dollars monthly until paid in full. I have been paying in good faith for over 3 years why are they still reporting it as a mark against me instead of reporting current in payments or something. I went into bankruptcy court to attempt to deal with my debt. Judge wanted me to pay at the time more than I could afford he wanted approx. XXXX monthly payments I could not cover that in XXXX since then I have paid all my debts or settled them. This is the last XXXX I owe. What can I do to encourage recovery to place a good faith report as I have done a good faith effort to pay in the past few years. 
?
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete the item of information from the file of the consumer, or modify the item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately Below is a summary of the data in which I am challenging : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete any address in your system that does not match mine. I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any address in your system that does not match my address of XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (OR)

The current holder of my mortgage, a hedge fund, bought the loan from XXXX in an auction two years ago, no doubt at a substantial discount ( although I ca n't find out what they paid ). The servicer, in moving to foreclose, was required to go through Mediation by Oregon Law. In this process we applied for a mortgage modification to allow us to stay in our home. First HAMP was denied ( see attached for reasons- they gave us no information about how they arrived at not being able to fit a modification into the XXXX-XXXX % DTI ). Then we were denied for an in-house modification for the reason that the LTV was less than 70 %. This calculation is only based on the original loan balance and a drive-by BPO ( of which there were XXXX that varied by XXXX % in their valuation ). The holder of the loan is unwilling to consider the back interest and tax/insurance escrow owed in the basis of their calculation. If they did, the LTV would be between XXXX- XXXX %, depending on which BPO was used, well within their " standards ''. Their method seems a logical fallacy. Either the additional debt owed to them should increase the base loan or reduce the value of the home, because the net result is they we have less equity.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-05-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Found a number of erroneous reports tried to dispute each. No action taken by reporting agencies ( XXXX, Experian, and XXXX ). 

Erroneous report # XXXX and # XXXX XXXX XXXX XXXX XXXX Was a victim of Identity Theft. XXXX had to completely fix account after giving unauthorized access to another person posing as me. XXXX XXXX XXXX was made aware of the issue and still demanded payment of fraudulent transactions or face legal actions. 

Erroneous Report XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX Demands repayment of illegally charged fees as well as collection fees. Amount actually used legally was paid on time. however I disputed the fees posted to my Account by XXXX XXXX asking for my signed copy of the agreement which was not provided. Within a day of the dispute XXXX XXXX immediately closed and sent the illegal debt to in-house collections and within 20 days sold the debt to multiple collection agencies. XXXX XXXX remains as the sole owner of the fraudulent debt. 

Erroneous Report #  XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXXXXXX Experian refuses to allow dispute of this record.
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (AZ)

A loan modification package was submitted to XXXX XXXX on XXXX/XXXX/17 - we were advised that the loan was being transferred to Caliber home loans on XXXX/XXXX/17 effective XXXX/XXXX/2017 - XXXX XXXX denied the loan into review with loss mitt. We then called Caliber on XXXX/XXXX/17 the day we were notified of the change in servicer 's, Caliber advised that the loan would not board their system until XXXX/XXXX/2017 - The clients home is set for Foreclosure sale on XXXX/XXXX/17 and neither servicer will accept the loan modification package for the review or postpone the sale date due to the transfer in servicers.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Alorica Inc. (FL)

Global Receivables Soluion, Inc./ West Asset Management , Inc . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Global Receivables Soluion, Inc./ West Asset Management , Inc. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Global Receivables Soluion, Inc./ West Asset Management , Inc. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have exceeded past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information that can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In XXXX of 2015 I bought a Truck and my score was XXXX. On XXXX XXXX XXXX score went down XXXX points and on XXXX XXXX my score went down another XXXX points. I have call these agency 's and no one can explain the drastic change and ask me to wait XXXX months and it would probably change. My score stayed relatively the same for XXXX and for no reason it is now I am XXXX points less and there is no explanation.
Consumer complaint received 2015-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (VA)

i moved to virginia in XX/XX/XXXX, i did not start working until XX/XX/XXXX but the state of virginia say i owe them $XXXX for taxes in XX/XX/XXXX i only made about $XXXX , i do not know who to contact , this has been a nightmare,, they have now sent this bill to a collection agency
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (WV)

I have XXXX accounts that are serviced by Synchrony Bank ( formerly GE Credit ). They are Old Navy, Amazon, and Lowes. Last month I received XXXX separate letters from Synchrony indicating that " sometimes we check the credit of our customers '' and then proceeded to lower my available credit on each card. XXXX weeks after they lowered the credit on the third card I receive a document from Synchrony indicating their " Privacy Policy. '' In the document they tell me that I can limit their sharing of my information about my creditworthiness. The problem is they already shared my information because they handle all three accounts. Is that not deceptive or illegal?
Consumer complaint received 2016-11-05
Product: Credit card — 
Issue: Late fee — 
Company: FIRST NATIONAL BANK OF OMAHA (CO)

I missed my XXXX XXXX, 2016 payment by mistake and called the company on XXXX XXXX, 2016 when I realized my error. They waived the late fee and, in order to prevent this problem from happening again, we discussed changing my due date from the XXXX to the XXXX. I was told that future payments would be due no later than the XXXX. I even set up auto-pay to ensure I would not be late again. Today, XXXX XXXX, 2016, I received an email notice that claimed I missed another payment. I immediately called the company who confirmed that they changed the due date and setup auto-pay for me. However, they claimed that the due date change was not take effective until XXXX 2016 and the auto-pay would not start until XXXX XXXX, 2016. I was not advised on the phone or in writing that the due date change would not be effective for the XXXX 2016 period. Further, the company sent me the XXXX 2016 statement on XXXX XXXX, XXXX, but I spoke with the representative on XXXX XXXX. Thus, the XXXX XXXX statement would not reflect this representation and change by the company. The company has now increased the late fee from {$23.00} to {$37.00} and refuses to waive it. I relied on their representation that my due date was changed for all future periods, including the XXXX 2016 period. The company is now attempting to charge me a fee for its mistake.
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

My mortgage was sold to Greentree servicing. Due to medical issues, I fell XXXX month behind on my mortgage. I spoke with someone at greentree and told them I was planning to pay extra every month to catch up. I then became only XXXX behind. I then was put into foreclosure ... for being XXXX behind. I called greentree, they told me they mailed me a letter telling me to be current by a specific date. I never got this letter. They then stopped accepting payments from me, and told me I had to make pay all past due amounts at once. This included a check they cashed but put into holding, but did not reduce the amount I owed. It took a few months ( XXXX ) to get them to come up with the right amount that included that cashed check. I then attemped to pay the amount past due in total. I was informed that they sent an email to legal and had to wait for a response before they could accept payment in full. ( due to the foreclosure fees they needed to get info on ) I was constantly told to call back the next day, I did, eventually they began saying call back in a week, I did.. then it became nothing by being sent to voicemail and no one returning my calls. This occurred for a full year. I was then massively behind. At my wits end and months away from being kicked out of my home, I contacted XXXX. Only then did greentree talk to me about my mortgage again. They told me I only had XXXX option in the modification that extended my loan from XXXX more years, to XXXXXXXX XXXX! They then tacked on over {$10000.00} to my principle balance.. They claimed this was a charge for " capitol '' I now owe MORE on my mortgage than when I bought my home in XX/XX/XXXX. I contacted greentree to find out what this " capital '' was and they will only give the answer " Its just capitol on the mortgage '' That is not an answer. Bottom line, is that I had to modify a mortgage due to their negligence, and they get to add XXXX XXXX dollars to my principle balance. Contacting them has not gotten anything resolved. They went from being harassing and threatening me, to avoiding and causing extreme financial issues that could of been completely avoided.
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Innovis (NM)

There are XXXX hard credit inquiries that I did not authorize on my credit report. One is from CBC Novis, and the other is from XXXX. These XXXX unauthorized inquiries have knocked my credit score way down. Help me. Why would/could they do this? 

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