davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WI)

I filed Chapter XXXX bankruptcy in XX/XX/XXXX. I was required by the bankruptcy agreement to resume mortgage payments to Ditech Financial on XX/XX/XXXX. I called Ditech on XX/XX/XXXX to make a phone payment. I was told that they would not accept a payment because their system did not have any information about my account. I explained that I was required to make a payment XX/XX/XXXX. I was told by the Ditech representative to wait for a letter with payment instructions and that I could not make a payment at that time. When no letter arrived by XX/XX/XXXX, I  called Ditech again to make two payments - one for XX/XX/XXXX and one for XX/XX/XXXX. They again told me that they would not accept payments because my account was not set up to do so. I explained that I was required to make payments starting in XX/XX/XXXX, I was told that they had no information about the bankruptcy requirements and that I should wait for a letter with instructions and that they would not accept payment. When XX/XX/XXXX came and still no letter and fearing that I would be in violation of the bankruptcy agreement, I went on-line and submitted a payment. I was not able to access my on-line account prior to that. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX  attorney ( which I 'm assuming is related to Ditech ) letting me know that my mortgage is being foreclosed because I did not make the XX/XX/XXXX and XX/XX/XXXX payments. I contacted Ditech again on XX/XX/XXXX. I asked why I was told that Ditech would not accept my payments in XX/XX/XXXX and XX/XX/XXXX and they could not provide an answer, however, they did confirm that I was indeed told that I could not make payments in XX/XX/XXXX and XX/XX/XXXX. The Ditech representative advised my to consult with an attorney before making an additional payment - again, telling me not to make payments. The representative would not confirm that my XX/XX/XXXX payment would be applied to my account but did confirm that Ditech received it. Ditech purposely lied to me and refused to accept my payments in order to foreclose on my home. This company should be investigated. I need to hire any attorney to resolve the issue.
Consumer complaint received 2017-06-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (CA)

On XX/XX/XXXX, Exeter Finance Corp acted in a predatory manner when financing my vehicle. My credit score was under XXXX, I was late on my current vehicle. I had a bankruptcy discharged just a few years prior, and I am female. Exeter gladly financed in the negative equity of the vehicle I was currently late on, $ XXXX.The apr was 18.95 % and total amount financed was $ XXXX. On a vehicle whose purchase price, less manufacturer rebate of {$3500.00}, and cash down of {$2000.00} should have been XXXX was financed through Exeter with negative equity and all for {$25000.00}. My payment was {$580.00} per month. <P/>If this was n't bad enough, a year later I became too sick to work and lost my income. I was unable to make the payments. I was called continuously by Exeter 's collections department even though I informed Exeter that I was on XXXX and told them I had little to no income and did n't know when I might have income again. I asked them to come pick up the car on many of these calls. A few months later in XX/XX/XXXX orXX/XX/XXXX they finally sent a company to repossess the vehicle. It was XXXX XXXX. in the morning. I relinquished the car voluntarily. They sold the car at auction XX/XX/XXXX for {$12000.00}, leaving the balance surplus of {$14000.00}. However, they have continued to add interest daily and my report shows I owe over $ 20k and they have repeatedly reported my delinquency incorrectly since. When I tried to contact Exeter I learned that the phone number they listed on the credit report was a dead end. <P/>I am permanently XXXX and have suffered enough from their damaging tactics in reporting my delinquency to the credit bureaus. I did not plan on getting sick, and I have suffered enough.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

On  XXXX   XXXX   2017  I received a letter from the IRS instructing  XXXX   County Circuit Courts and the Credit bureaus to remove a paid lien entry on my credit  reports, I sent them both a certified letter showing this, They have failed to comply and remove this entry from my credit reports as they are unfair.
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

We purchased our home in  XXXX   XXXX  for  XXXX . We received a conventional mortgage with citimortgage for  XXXX . In  XXXX  we were approved for a HELOC with Citi for approximately  XXXX . In  XXXX  i became unemployed. I was out of work for 3 years. We reached out to citimortgage many times to apply for assistance. With both loans we were unable to make the payments on our home. I remained unemployment for 3 years and our home went into foreclosures procedures. we did reach out to citimortgage many times for help they were unable to assist us. citimortgage sold our mortgage to   XXXX   XXXX   in  XXXX   XXXX  we were taken to court and foreclosure procedures continued. In  XXXX  we filed for chapter  XXXX  bankruptcy. Our homes current value is  XXXX  and we currently owe  XXXX  for 45 years. We need extensive repairs as well to help increase the value of the home. When we purchased the home in  XXXX  for  XXXX  this price was way above the value of the home. It was at the height of the housing bubble. We also should not have been given a HELOC. It over extended our income to over 45 % yet we were approved based on the false inflated value of the home.
Consumer complaint received 2017-03-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GAMACHE & MYERS, PC (MO)

Gamache & Myers has a judgement placed against me for the amount of {$14000.00} Missouri case no XXXX and offered a settlement of {$6000.00}. They told me with payment of this settlement I could obtain a satisfaction letter from the courts within 30 days but most of the time it goes out sooner. They are now refusing to send a satisfaction letter within this time frame to either myself or the courts. I have requested from them 4 times a letter of satisfaction or to just tell me when they are sending it to the courts and they refuse to give me a date when this letter of satisfaction will go out and the only thing they will tell me is that the process will start after 30 days. This was clearly not the original information they gave me. If i am not in possession of the settlement letter by XX/XX/2017 then I will be unable to close on my mortgage that is set for a closing date of XX/XX/2017. I have contacted my local court and they informed me that a satisfaction letter should be sent out immediately by them once our funds have cleared. Each time I call Gamache & Myers they are rude and tell me they can not understand why I have called 4 times asking the same question. I have attached a copy of the settlement letter along with copies of the cleared check that was paid to them on XX/XX/2017.
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Simon's Agency, Inc. (NY)

They sold the debt to a law firm so i could be sued for the debt, an agent at simions agency stated that the debt was no longer with them and to dispute it with the credit reporting agency 's, I did that and then simions agency validated the debt in the dispute. Now they are saying they can not talk to me about a debt they do not have.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft. The   XXXX   account with an opened date  XXXX   XXXX ,  XXXX , do n't belong to me and should not be listed on my  Equifax,  XXXX   or  XXXX   XXXX  credit report. The following credit inquiry is fraudulent and unauthorized :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

On XX/XX/year>, I deposited {$2500.00} into my account using a U.S. Bank ATM. The ATM ate my cash and I was not able to use my money until XX/XX/XXXX when a provisional credit in the amount of {$2500.00}. On XX/XX/year>, I noticed a {$1200.00} reversal charge applied to my account without any prior notice or explanation. This reversal is not only unwarranted but also highly disruptive to my financial stability. I have business records confirming the deposit of {$2500.00}, and my bank statements show consistent weekly cash deposits around the same amount. 

On the day the ATM malfunctioned and ate my cash, there were other people in line waiting to make transactions. I am unsure if the ATM worked for them or if it crashed as well. There are so many possibilities of what could have happened, yet I have received no explanation whatsoever. If necessary, we can request the ATM camera records to verify the events of that day. I am prepared to contact the local police to report this or involve the Office of the Comptroller of the Currency ( OCC ) to assist with this matter. It is unfair that {$1200.00} was suddenly taken out of my account, which is completely unacceptable. 

The reversal of {$1200.00}, which I worked hard to earn, has caused me significant financial strain, and I am now struggling to manage my business operations and personal obligations due to U.S. Bank 's actions. 

I have contacted U.S. Banks Customer Care Unit and have yet to receive a satisfactory resolution. I am willing to provide any necessary documentation, including business records, bank statements, and even file a police report to request ATM camera footage to verify the events of that day. 

I am requesting that the {$1200.00} be credited back to my account immediately. Additionally, I ask that U.S. Bank reviews their procedures for handling ATM malfunctions and communication with customers, to prevent this from happening to others. 

The actions of U.S. Bank are a breach of the trust that customers place in their financial institutions. 

Thank you for your attention to this complaint. I look forward to your assistance in this matter.
Consumer complaint received 2017-03-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (NC)

This company Credit Management LP has accessed my Consumer Credit Report without lawful Authority. I contacted them via facsimile transmission on XX/XX/XXXX. They have not responded. I asked him to send me any documentation that they have that gave my consent for them to pull my credit report and violate my constitutionally-protected right to privacy. 

They have not sent any documentation showing that I have given them consent or that I have any kind of previous relationship business relationship with them. In fact, they have not responded at all. I am invoking the office of the CFPB to take any measures necessary to make them correct the violation before I file suit. If they respond with anything relating to accessing my credit report as being a soft " pull '' that will be unacceptable. 

An identity theft affidavit and police report will be filed.
Consumer complaint received 2017-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

Sears citi bank card I have been trying sometime know to have the Sears citi bank card and  XXXX  to  send me something with my signature on it that validates that I am the correct person on the account or that I authorized any of the payment and I have sent certifeyed letters to both company to send me some type of verification and I recieved my credit report comments fcba dispute resolved- consumer disagrees and of course I disagree. So because I can not get the credit card company or the sear citi bank credit card company to send me anything I am asking the fcba to hgive me the names and addrress of the people the spoke with that can verify that that is my account and to send me some information and proof of my signature. You would think that after certify letter requesting this information  2 ti me from each company this matter would be resolve and deleted from the credit companys I can not get any credit anywhere because of this inaccuracy
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MO)

Tried to pull a copy of my credit bureau from Equifax on Annualcreditreport.com and was advised that they were not able to provide this online and that I needed to mail copies of documents identifying myself along with a request for credit bureau. There was no option to scan the documents/request. This company should not be able to participate on Annualcreditreport.com if they are unable/unwilling to provide reports online.
Consumer complaint received 2017-02-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

My mortgage company was XXXX and I was approved for a trial modification in XXXX XXXX. According to the letter and coupons received, I made my payments of {$310.00} to them for the months of XXXX and XXXX XXXX to XXXX. I called into the company, gave them the information and permission to draft my bank account for the amount indicated. In late XXXX XXXX I was notified by NationStar Mortgage that as of XXXX XXXX, XXXX NationStar Mortgage would be my new servicer and collect my mortgage payments. I then made payments to NationStar Mortgage in the following manner ; XXXX XXXX payment was made by phone ; XXXX and XXXX XXXX was made by check which was mailed in. I sent XXXX XXXX payment but it was returned and I also received a letter notifying me of being behind in my payments. I do n't understand if I was in a trial modification how this is possible.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am seeking your help with the false account being shown on my credit report. This has impacted my reputation as a customer, and I require your support. Please remove these accounts, as they are reported inaccurately and harmfully.
Consumer complaint received 2017-06-10
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. (TX)

I have ask Experian to delete negative information from my report. Experian send me my disputing results were it saids that all negative personal information has been deleted but has not been done as described under Results.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After reviewing my credit report, I discovered accounts that I did not recognized or apply for upon further investigation. I realize that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question and they are negativity impacting my credit per section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed from my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being
Consumer complaint received 2017-06-12
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brelvis Consulting, LLC (NY)

Today on  XXXX   XXXX ,  XXXX  I used  XXXX   XXXX  app to view my credit on  XXXX   XXXX  report. I discovered I had some negative action from missed payments t o Dept of Ed for s tudent loans. I contacted the phone number provided t o Dept of Ed on   XXXX   XXXX   XXXX  and was ask for my social, dob, email, etc. To access my student aid account. The rep pulled up all my student debt info and then tried to convince me to apply for forgiveness. Once she offered to have {$4000.00} removed as forgiveness from my loan I ask why we had n't addressed the matter for my call about the  XXXX  negative actions on my report. At that time I felt her response was dancing around the question and asked if they were in fact a government entity with DOE. She stated they were and the company is calle d Student Loan Help Center.  While on the call I searched them on  XXXX  and realized this was a scam.  <P/> Not sure how this company received my call or has their number listed for DOE with  XXXX   XXXX .  <P/> I 'm filing this complaint because the took my personal info and I 'm worried they will attempt to use it. Also, I would like to understand why their phone number is the one provided for the DOE with  XXXX   XXXX , they misguide you to believe you are speaking with DOE.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom It May Concern, I am formally disputing several accounts on my credit report dated XX/XX/year>. These accounts contain derogatory, inaccurate information that has substantially harmed my credit score and financial reputation. In accordance with the doctrine of estoppel by silence as established in XXXX v. XXXX, Mo. XXXX XXXX. XXXX, XXXX, I state the following : " I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo. ) XXXX XXXX. XXXX, XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' Disputed Accounts Negatively Impacting My Credit File I request immediate removal of the following accounts from my credit report due to lack of verification and their detrimental impact on my credit : XXXX XXXX  Account Status : Collection/Chargeoff Balance : {$15000.00} Credit Bureaus Reporting : TransUnion, XXXX, XXXX Violation : Unverified debt with derogatory status affecting my credit score. 
XXXX Account Status : Collection/Chargeoff Balance : {$110.00} Credit Bureau Reporting : TransUnion Violation : Reported as a charged-off debt, affecting my credit without verification of debt legitimacy. 
XXXXXXXX XXXX Account Status : Collection/Chargeoff Balance : {$1600.00} Credit Bureaus Reporting : TransUnion, XXXX, XXXX Violation : Account reported as charged-off, harming my credit rating without proof of validity. 
Request for Immediate Removal and Notice of Intent to Sue The inclusion of these derogatory accounts without verification constitutes willful and negligent reporting, damaging my credit score and reputation. I request the immediate removal of these accounts from my credit report. If these items are not promptly deleted, I intend to pursue legal action for defamation of character due to the unsubstantiated and harmful reporting of these alleged debts. 

Please confirm in writing within 30 days that these items have been removed. Failure to act will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and further action in court. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (GA)

My student loans was sold to FedLoan ( unbeknown st to me ). I 'm curren tly in forebearance and will be until  XXXX / XXXX / 17 , howeve r, FedLoan ha ve started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX /   17  stating that they received information that my name had changed, my name have n't changed in 7 years! This incorrect information has severely impacted  my credit score and have caused unwanted financial issues. FedLoan is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.