davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

WE APPLIED FOR A LOAN MODIFICATION. DITECH RESPONDED BY SAYING THAT WE HAD NOT SUBMITTED INFORMATION, WHICH WE ACTUALLY HAD SUBMITTED. WE RESUBMITTED FOR THE 2ND TIME, AND DITECH AGAIN RESPONDED BY SAYING THAT WE HAD NOT SUBMITTED THE REQUIRED INFORMATION, WHICH WE HAD SUBMITTED TWICE. THE PAYMENTS, WHICH WERE NOT RECORDED CORRECTLY BY DITECH, WERE " LATE '' ACCORDING TO DITECH, AND THEY SAID AFFECTED OUR CREDIT RATING. HOWEVER, THE PAYMENTS WERE INCORRECTLY AND INTENTIONALLY INCORRECTLY APPLIED BY DITECH TO DEMOLISH OUR CREDIT RATING, SEIZE OUR PROPERTY, AND REFUSE TO GIVE US A LOAN MODIFICATION. WE HAVE NEVER, REPEAT NEVER, FAILED TO MAKE A LOAN PAYMENT SINCE WE PURCHASED THE PROPERTY IN 2007, EVEN WHEN THE PROPERTY WAS AND STILL IS DISMALLY UNDERWATER. WE HAVE FAITHFULLY CONTINUED TO MAKE HIGH INTEREST PAYMENTS FOR WHICH DITECH CONTINUOUSLY ATTEMPTS TO DERAIL OUR CREDIT, OWNERSHIP OF OUR PROPERTY, AND OUR GOOD STANDING. THIS COMPANY 'S PRACTICES APPEAR TO BE FRAUDULENT AND CONTINUE TO PLAGUE US, CAUSING A VERY SIGNIFICANT DEGREE OF EMOTIONAL DISTRESS AND FINANCIAL HARDSHIP BECAUSE DITECH ENGAGES IN WHAT APPEAR TO BE NEFARIOUS PRACTICES THAT SEEM TO BE NOT CONDUCTED IN GOOD FAITH IN AN APPARENT ATTEMPT TO TAKE OUR MONEY AND HOUSE ANY WAY THEY CAN. DITECH ALLEGES OUR PAYMENTS ARE OVER 30 DAYS LATE, BUT NEVER HAVE WE SUBMITTED A PAYMENT OVER 30 DAYS LATE. NEVER. THE TRUTH IS THAT DITECH INCORRECTLY RECORDED PAYMENTS AND REFUSES TO CORRECT THE RECORDS OR ACKNOWLEDGE THE PAYMENTS. WE HAVE NEVER MISSED A PAYMENT, AND WE ARE HONEST PEOPLE DEALING WITH AN APPARENTLY DISHONEST COMPANY. WE CONTINUE TO PAY NEARLY 7 % FOR OUR MORTGAGE AT GREAT HARDSHIP TO US, AND THIS IS INEXCUSABLE WHEN INTEREST RATES HAVE BEEN AT AN ALL TIME LOW. I AM SOON TO BE XXXX YEARS OLD AND HAVE BEEN AROUND A LONG TIME AND HAVE NEVER DEALT WITH SUCH A NEFARIOUS SITUATION. FURTHER, OURS IS A XXXX XXXX-GUARANTEED LOAN, WHICH FURTHER REMOVES ANY RISK FROM DITECH. THEY DO N'T WANT TO MODIFY OR REFINANCE MY LOAN BECAUSE THEY WANT TO CONTINUE TO CHARGE US NEARLY 7 % INTEREST AND THEY MAKE CONTINUOUS OVERTURES TO TAKE AWAY OUR HOUSE, EVEN THOUGH WE HAVE NEVER MISSED A HIGH INTEREST PAYMENT SINCE WE PURCHASED THE PROPERTY IN 2007. WE WITHSTOOD THE RECESSION WHEN EVERYONE ELSE ABANDONED THEIR PROPERTY. WE CAN NOT GET ANY RELIEF FROM THIS HORRIFYING SITUATION AND BELIEVE THAT DITECH SHOULD BE SHUT DOWN.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NC)

Experian credit reporting continues to report information on my report that has been previously deleted, or has been on my credit report more than 7 yrs, ( past the statute of limitations ). When I try to dispute these items, I get a message that the issue has been resolved, but they never do any investigating or go to the date of the last activity for proof. They do not verify any information they just add negative items to your report without checking to see if the items actually belong to you.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BK OF AMER XXXX, BK OF AMER XXXX
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

I have had a very difficult time with Ditech. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Ditech always seemed to lose my paper work, which I constantly had to re fax. The assigned rep never tried to help me or offer me a modification. She pushed me towards a payment plan or settlement with the back payments and then Ditech back doored me with a sale date. This poor servicing has caused me to file a bankruptcy. Ditech never told me I could not make partial payments while in foreclosure. They completely mislead me.
Consumer complaint received 2016-05-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

Dear Consumer Financial Protection Bureau, I am the primary and sole owner of a FHA mortgage. The mortgage was sold by the original mortgage company to the XXXX XXXX XXXX in XXXX XXXX. In XXXX XXXX XXXX XXXX XXXX sold the mortgage to Green Tree Servicing LLC now renamed as Ditech Financial LLC. I took great efforts to make my payments and kept them current until XXXX XXXX to XXXX XXXX when due to financial difficulties I trailed behind with my payments being made late. My wife spoke to XXXX XXXX, customer service representative on XXXX XXXX, XXXX who advised that we should not make any more payments on the account as the payments that were made for XXXX XXXX and XXXX XXXX were being refunded due to foreclosure against the property. Green Tree sent me documentations of the necessary options that I could take if I wanted to prevent the foreclosure so I opted for modification of the loan. I went through a HUD approved Housing Counsellor who assisted with the modification process. I had dialogue with XXXX XXXX, a mortgage advisor from Green Tree on XXXX XXXX, XXXX regarding the foreclosure and she informed me that my property was prompted for foreclosure because I had failed to make two full years of mortgage payments. I told her that was highly impossible as all the payments were made when the mortgage was with XXXX XXXX XXXX and also when it came over to Green Tree. I requested a detailed statement from XXXX XXXX XXXX to show all the transactions when they had the mortgage before it was sold to Green Tree and the statement accounted for all my payments. I also requested a detailed statement from Green Tree and all payments were accounted for prior to the three payments for XXXX XXXX to XXXX XXXX that were paid late. I questioned XXXX about the two years mortgage payments that Green Tree was indicating as missing and suggested that they did a detailed audit of the account to see where the error lies. XXXX advised me that if I was planning to do an audit of the account Green Tree would have no other option than to go ahead with the planned foreclosure of the property. Based on that advice I declined the audit in order for the property to go through the modification process. At XXXX XXXX, XXXX my principal balance from the statement I received from Green Tree was {$160000.00} Upon modification they gave me a new principal balance of {$230000.00} When I asked for a breakdown of the figure they told me all the outstanding payments for the two years in question and other foreclosure fees were added to bring the principal to that amount. Even though the modification process had gone through I am not at ease within myself. I feel that some grave mistakes have been made somewhere within my mortgage account and I am requesting a detailed professional review of this account. 
Thank you for looking into my matter.
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (NY)

I owed a XXXX phone bill which was sent to collections. I had several collection companies calling me and I settled with a company called XXXX XXXX XXXX , XXXX ( XXXX XXXX, XXXX ) on XXXX/XXXX/15 for {$120.00} ( confirm # XXXX ). I keep getting calls from Debt Recovery Solutions and this debt is still showing as owed to Debt Recovery Solutions on XXXX which is hurting my credit score.
Consumer complaint received 2023-03-27
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: I.C. System, Inc. (GA)

I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is a valid debt. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : Creditor agreed to delete Account Name : I C SYSTEM ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : The account is fraudulent Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Consumer complaint received 2023-09-06
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Re : XXXX XXXX credit score Fair Credit Reporting Act violations Date : XX/XX/XXXX Item Disputed Account name - XXXXXXXX XXXX Account number - XXXX Explanation of why you believe the information is inaccurate History reporting as a new chargeoff even though the account was charged off *6 years* ago Additional comments Equifax Every time I dispute this account my score drops when they update the descriptors/history. XX/XX/XXXX dropped XXXX points ( see attached supporting documentation ). So I disputed it again that the history wasnt being reported correctly - then that dispute resulted this dropping my score another XXXX pts on XX/XX/XXXX, because they reported it as a new chargeoff again ( see attached supporting documentation ). This is for an account that was charged off 6 YEARS AGO! A *9 year old* account that was charged off *6 years ago* should not be dropping my score anymore. Im so tired of this fraudulent account that isnt even mine. 

Theres even a 90-day late reported XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached supporting documentation )! An account that was charged off in XX/XX/XXXX should not be reporting any new 30/60/90-day lates in XXXX. Nothing new should be reported after an account is charged off. This is an egregious Fair Credit Reporting Act violation. 

Derogatory marks are supposed to have less of an effect over time, but the way this account is being reported, the opposite is happening. This is a Fair Credit Reporting Act violation! Because of these Fair Credit Reporting Act violations Ive been denied credit numerous times because of these violations! 

Fix this reporting error so my credit profile is accurate and my score is corrected. This is the only negative item on my report all of my other dozens of accounts are pristine. DELETE THIS ACCOUNT!
Consumer complaint received 2023-09-21
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated

my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-08-27
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TH Professional & Medical Collections LTD (IL)

The debt collector sued me in circuit court and I filed an appearance and a trial date was set. While I was away the debt collector sent my wife a summons to appear for the same case and when she did not appear - the debt collector asked for and received a default judgement that I successfully got vacated. 

This debt originated from unpaid medical claims by an insurance company and I had to enlist the aid of the Illinois Insurance Commissioner to compel them to pay the claims. This took over a year but the insurance company paid on the claims. The judgement amount the debt collector sought to get from the default judgement did not take into account the payments made by the insurance company even though they were aware of the payments that were made. When asked about the payments the debt collector stated " I have a judgement '' ; however the judge vacated that judgement and the judgement amount was reduced. Has I not sought to have the judgement vacated the debt collector would have sought to collect the entire amount of the judgement knowing that at least half the amount they were seeking had been paid already by the insurance company. 

The debt collector verbally agreed to a payment agreement but sent a form - not filed in the court too late for me to comply with the terms of the agreement. The debt collector then filed the agreement with the court 5 days after the payment was due and then filed a Wage Deduction Notice with the court and sent a copy to an employer that I have contractual relationships with damaging my professional reputation. I am now in the process of disputing the wage attachment, but the damage has been done.
Consumer complaint received 2023-08-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (GA)

In XXXX of XXXX, I discovered that I was a victim of identity theft. After reviewing my XXXX account online, I noticed that there was an additional phone line added to my account that I had no knowledge of since XX/XX/XXXXXXXX  and an XXXX  that was purchased on my account from a different state. I was in communication with XXXX and advised them of the fraudulently activity being done. I was able to verify that my phone and email was hacked with spyware, which is how someone accessed my accounts. I've reported this issue with XXXX multiple times and several agents has even verified the fraudulent activity. Especially when someone was calling XXXX to add the unauthorized phone line back on my account once I had it removed, while i was on the call with a XXXX agent. After consistently trying to get my billing adjusted due to fraudulent activity being verified, XXXX has not accommodated my with any adjustments and billed my account for unauthorized charges and for a phone that was ordered at a XXXX  store outside of my state.. After not having the issue resolved, I switched phone carriers due to the lack of support from XXXX. Since I left XXXX, I have been billed for {$1400.00}, that has been sent to collections and reported adversely on my consumer report. I now have been receiving letters from an Attorney attempting to collect on the debt. I have been trying to reach out to get this matter resolved multiple times since XX/XX/XXXX. I have submitted my incident report from the police and an identity theft affidavit from the Federal Trade Commission multiple times at my local XXXX store. I'm repeatedly told the same thing each time, 'We will submit a ticket for investigation '. I have yet to get my money credited back from the unauthorized charges that I have been charged since XX/XX/XXXX and the debt from an XXXX that I never purchased or authorized on my account to be cleared and removed from my credit file.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Late fee — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XXXX XXXX I looked at my credit card balance with USAA credit cards. I had noticed that my payments did not process. My payments are due on XXXX. So I immediately made a payment and called the bank. they charged me {$25.00} for each late credit card and this put my card over the limit. I asked them to please waive the late fee and they said no. I have never been late. I find this unreasonable. On XXXX I received an alert from a credit reporting agency that USAA had reported that I was late and that I was over the limit. This is also very unreasonable. The only reason I was over the limit was because of the late fee. This affects my credit which I have been perfecting for sometime. THis is bad business. I as only a few days late. This is not the XXXX time that I have had problems with them. I reported them a few times last year for closing accounts without notice.
Consumer complaint received 2016-07-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

USAA Federal Savings Bank agreed to a settlement with XXXX XXXX, our primary lender in a letter dated XXXX/XXXX/XXXX ( attached ) to do a DIL on our home. USAA agreed to accept a settlement from us in addition to a settlement offer from XXXX XXXX ; this letter from USAA had a suspense of XXXX/XXXX/XXXX. We vacated the home on the agreed upon date of XXXX/XXXX/XXXX and have not had access since as the locks were changed. 

On XXXX/XXXX/XXXX we sent our check to USAA which was cashed by them on XXXX/XXXX/XXXX. XXXX XXXX sent their check to USAA which was received by them on XXXX/XXXX/XXXX, four days past the original suspense which has caused some confusion. NOTE : USAA cashed the check from XXXX in addition to our check. 

Our lawyer representing us has contacted USAA almost weekly since XX/XX/XXXX and has been told the loan release is being worked and they will get back to us within 48 hours. It is now almost four months since USAA has been paid but they have still not sent a release to XXXX so we can completed this DIL.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have encountered several incidents of financial identity theft dating back since XXXX 2014. A credit card was applied for around XXXX 2014 using my personal information. I did not apply for the credit card. I do not know where this card has been used. I was made aware of this credit card by letters regarding non-payments.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Companies that will not make it easier to contact them will always be met with such a complaint!!! CapitalOne held my credit limit at $ XXXX for probably a decade but then all of the sudden decided to raise and raise and raise it ... We all know having limits too high ridiculously hurts one 's credit even if they do n't use that credit. This is a business account so I asked our account manager to get it lowered but she ca n't for policy reasons and I would have to call, jump through phone queue hoops, probably have to go through someone telling me why it 's a bad idea ... It drives me insane that companies do n't realize that people 's time is valuable and this is something that could and should have easily been resolved by sending them a quick note/email online and being done with it ...
Consumer complaint received 2016-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (CA)

I have asked for validation of this debt and they refused to send it to me but they also refuse to remove it from my credit report. They have never shown me that this is my account according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Apon checking my credit report I found Capital One is reporting XXXX credit cards against me. I wrote and asked them to remove these accounts as well as the inquiries from this company because acccording to the Fair Credit Reporting Act they have exceeded their alloted time to report against me. Capital One is ignoring me and the law states they have to remove these accounts. Capital One keeps sending me these letters asking me to submit things they know I do not have because I have already sent it to them.