davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

In XX/XX/XXXX, I received a mortgage loan for my house XXXX, XXXX. My payment was promised to be an affordable payment. I was paying my mortgage on time but my mortgage payment had a substantial increase where I was no longer able to make payments on the mortgage. In XX/XX/XXXX, GreenTree Servicing, LLC. sued me for a mortgage that I received from XXXX, XXXX. While being sued on the motgage, then another lender name, " Ditech, LLC '' starts collecting on the same mortgage. I feel like my house is going to be part of a fraudulent foreclosure procedure.
Consumer complaint received 2022-11-10
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Balance : -
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (AL)

I went to the free sight for getting my annual report. After entering all info and gaining access to the page beginning process I checked all XXXX reporting companies. I went to my first company XXXX and was given access to my report. After perusing the different accounts and saving and printing the report, I then clicked " CREDIT SCORE ''. There was nothing on this page. 
My second Company EXPERIAN showed me the following : " WE CAN NOT DISPLAY YOUR REPORT ONLINE ''. o further explanation was given. I was able to purchase the credit score by joining Experien for {$1.00}. I then got the score but had to cancel my membership within 7 days or be charged the full membership which would be automatically renewed every year until i cancelled. I, of course immediately cancelled. The 3rd company, XXXX, was the worse. They simply responded, after my entering pages of questions, that " WE CAN NOT DISPLAY YOUR REPORT ONLINE '' .No other offers or explanations were given.
Consumer complaint received 2015-09-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Credit Adjusters (SC)

They keep calling me, made phone contact at least XXXX times. they said the wrong persons name to me both agreed it was not me.They said the calls would stop. They did not I have blocked there number XXXX times they change the number and keep calling even changing their name!
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

I have had been paying since XXXX of 2021 as part of a court ordered repayment plan. This has not been showing " payed as agreed '' on my credit reports. On my equifax report it has been showing " no data ''. I have attached proof of the trustee payment report to the court as well as the Court order. The companies name is XXXX XXXX XXXX and Exquifax, XXXX and XXXX are the reporting agencies. 
XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

I attended XXXX XXXX University in XXXX XXXX, XXXX. To fund my education, I received XXXX loans through Sallie Mae ( later XXXX ). Over the course of my loan payback period following graduation, I attempted to make extra payments toward the principal of the loan. Each time, the additional amount paid would be applied toward the interest, or the following month 's payment. After several calls and emails with their customer service department, I was told I would need to submit my payments by check, with a hard copy of a signed letter ( each month ), directing the additional funds be applied toward the principal. Each month. With each payment. For several months I did exactly this, sending a physical check and signed hard copy of my request with my payment through USPS. The payments were never applied correctly ( not once ) but still were applied to the following month 's balance due. After a while, I just gave up and settled in for the life of the loan paying only the minimum due because I did n't have the time or resources to send a hard copy letter and check each month. I have email correspondence between myself and Sallie Mae to support everything I have stated here ( email exchange attached, as well as letter I had to send with my payment month - still unsuccessfully applying additional payments ).
Consumer complaint received 2016-04-08
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

We are dealing with XXXX companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX Banks XXXX Contacted by XXXX XXXX. back in XXXX 2015 to resell our timeshare which we checked on with XXXX State of XXXX. XXXX a nd XXXX XXXX in XXXX Both companies checked out? Well after signing sales documents numerous times and us wiring {$39.00} to escrow we now believe we have been scammed? Have a full file with all contracts and wire reciepts ect ... that can be furnished. Still they want more money after giving us written noice that we need to send no more money! Am still able to contact these people and have told them that we want to void this contract and want our money back as claimed in contract. Have filed reports with XXXX. and XXXX. XXXX offices, XXXX report with FBI, FTC report too.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was sold a Timeshare in XXXX XXXX NJ at the XXXX XXXX through a company doing business as XXXX. Subsequent to the agreement, I had an issue where my wife took ill and needed surgery. Since she is the primary income provider, I found myself unable to meet all of my obligations. I determined the Timeshare was an unneeded expense so they were not paid. They started harassing me. I looked into this whole timeshare issue and found out that my membership was nothing more than a source of income for the Hotel, that if I were to simply reserve a room through the Internet at the exact same location, it would cost me less than HALF what I pay annually in Maintenance fees and taxes. When they called back after I discovered this, I informed them that I was misled and refused to pay any more into this unless they could prove to me any sort of value in what I purchased. They have since then threatened me with legal action, including Check Fraud and when I informed them that their threats were in fact a violation of the Fair Debt Collection Act, they stopped the calls but now have started doing " Hard Inquiries '' into my credit, XXXX on XXXX XXXX 2015 and the latest on XXXX XXXX 2015. I called TransUnion and they informed me that the only way to get these unauthorized inquiries removed was to contact XXXX in writing and ask them to allow the inquiries to be removed. I find this totally unfair and as I understand, illegal as I have not authorized these multiple inquiries into my credit and as a result have suffered a XXXX point drop in my credit score. I ask for your assistance in getting this unfair practice stopped and that XXXX be ordered to cease and desist from these practices. This is nothing more than a scam in my opinion and their utilization of these tactics to damage my credit score nothing more than a form of extortion and needs to stop now. Thank you.
Consumer complaint received 2020-05-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Legacy Funding Corporation (PA)

Upon reviewing my XXXX  credit report In XXXX of XXXX, seeking a home mortgage, I discovered false and inaccurate information furnished by Legacy Funding Corporation. The information furnished by Legacy to XXXX indicates that I opened an account associated with an auto loan on XX/XX/XXXX, last made a payment on XX/XX/XXXX, had a monthly payment obligation of {$340.00}, and has a balance of {$10000.00}. Please note that it is unknown to me whether Legacy has provided similar information to other credit bureaus, including XXXX and XXXX. However, the alleged debt actually relates to an auto loan taken out in XXXX to purchase a XXXX XXXX XXXX. I ceased making payments on that loan in XXXX or XXXX because the car had been in a previous accident unknown to me making the entire frame crooked. I told them to come and take the car and it was repossessed. Thus, I did not open any account with Legacy in XXXX and certainly did not make any payments to Legacy between XXXX and XXXX XXXX. Moreover, given the time that has passed, any alleged debt is barred as being far beyond any applicable statute of limitations. 

A demand letter that Legacy conduct and complete a reasonable investigation within thirty ( 30 ) days as required by the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 8 ) was sent on XX/XX/XXXX asking them to promptly correct such information with all credit bureaus to which my debt information was provided. 15 U.S.C. 1681s-2 ( a ) ( 2 ). Instead Legacy wrote the debt off but it still appears on my credit report and such has sullied my credit in the amount of {$9000.00}.
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

In XXXX 2015 signed up for a Citigold checking account after receiving an offer for XXXX AAdvantage miles if I completed 1 online bill payment in 2 consecutive months and made {$1000.00} in debit card purchases. On XXXX XXXX I sent Citi a secure message using online banking to confirm that I was enrolled. They never responded. I satisfied these requirements in XX/XX/XXXX and was told that it would take up to 90 days for the bonus miles to hit my account. XX/XX/XXXX ( after 90 days ) I still had not received the miles. I have called repeatedly ( probably 4 times ) since then to ask why I have not received my bonus. Each time the agent confirmed that I had satisfied the requirements and told me I would receive the miles soon ( within 2 or 3 business days ). On XXXX XXXX, Citi sent me a letter saying " there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. '' I called on XXXX XXXX and told them that if there was no promotion they should have told me that XX/XX/XXXX before I started paying $ 30 monthly fees for the account. ( I have paid {$120.00}, since the first couple months fees are waived. ) The phone agent apologized and assured me that I was eligible for the promotion and that the bonus would be expedited. Today is XXXX XXXX and the miles still have not hit my AA account. On XXXX XXXX they sent me a secure message saying that they still need to investigate : " After further review of your account, I can confirm there is a second request opened on your behalf for the promotion offer. Please be advised that the back office support is currently backed up with the investigations due to the high volume of cases open at this moment. As soon as your case is worked on and resolved, you will be notified via secure email and Citibank Online Message with the outcome of the investigation. '' This is ridiculous given that at least XXXX phone agents have confirmed for me that I have done everything I need to do to receive the bonus.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

XXXX was hacked and now everyone 's social security numbers and information is exposed. Two factor authentication is needed to prevent identity theft. I should be able to get a phone call, text message, or email from the credit bureaus when a creditor tries to open a new credit account in my name etc. 

Or I should be able to log into a website or app to freeze and thaw my credit at all 3 bureaus in real time ( similar to XXXX XXXX 's Freeze It - See Link XXXX XXXX XXXX XXXX Where is the regulation for something so vital to consumers? I 've been worried about this kind of thing for years and of course it takes a massive data breach for anyone to start talking about this. Please hold XXXX responsible for this and make all 3 bureaus take steps to protect our information and enable some type of 2 factor authentication. 

We also should n't have to pay to freeze and thaw our credit! This should be free and it 's ridiculous that we have no control over this. There is no reason all of this should be so difficult unless you allow these companies to put their profits ahead of sensible rules and regulations.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I sent out XXXX separate letters to XXXX ( XXXX ) separate addresses listed on my report and did not get a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Capital One Auto Finance d/b/a COAF '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2015-12-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I pay my Mortgage through Ocwen. My payment is automatically withdrawn from my paycheck every two weeks. I 've called them once before and asked that my payments be applied to principal and they told me I could only apply a full payment to principal and that it would be done automatically once I had paid a full payment ahead. Currently on my statement it shows that my next mortgage payment is n't due until XX/XX/XXXX. Which means they are holding my money and making interest on it until it 's time to apply the funds to my account. I called in today and they guy said he would apply the payment ( approx XXXX XXXX from XX/XX/XXXX to principal, and that it would be done automatically going forward. But that is not good enough as Clearly I 've paid XX/XX/XXXX 's statement in full already, but they are n't applying it to principal. How do I get them to stop stealing money from me. Is there someone that the consumer can petition to get them to properly manage my account?
Consumer complaint received 2015-06-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

XXXX XXXX XXXX from XXXX Acct # XXXX if trying to collect and debt that was paid on Capital One debt from XXXX was paid through XXXX XXXX XXXX after my dispute was resolved., I have been disputing on my report since XXXX
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX XXXX I checked my credit file and I had no inquirys to date. I checked today and there wefe XXXX new inquirys that i did not authorize. Except for XXXX.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I WAS CHARGED XXXX IN 3 MINUTES ON XXXX/XXXX/2016 AND NEVER RECEIVED THE XXXX CREDIT REPORTS BY TRUE CREDIT/ TRANSUNION . ATTACHED YOU WILL FIND A SCREENSHOT OF THE {$29.00} THAT WAS DEDUCTED FROM MY ACCOUNT. THIS COMPANY HAS ILLEGALLY TAKEN MONEY FROM ME AND DID NOT PRODUCE THE PRODUCT THAT WAS SUPPOSED TO BE FURNISHED.
Consumer complaint received 2016-02-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC (NJ)

I have a debt on my credit report from Quality Assest Recovery. I had it removed from my XXXX Report in 2015. I contacted my Insurance company about any bills the originator XXXX XXXX XXXX submitted to my health Insurance and My provider assured me that I had no claims with XXXX XXXX with patient Responsibility. I do not know if this is an attempt to get me to pay a balance that their contract will not allow them to receive from XXXX XXXX or what. I have not been able to get information.
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation (CA)

Received letter at my home address from Quality Loan Service Corp. It states : " XXXX, who services your home loan, has referred your loan to us for foreclosure on the above referenced property ... '' I had previously requested XXXX XXXX to send all snail mail re my home address to my XXXX XXXX XXXX XXXX XXXX agreed to do so, but apparently neglected to inform Quality Loan of this.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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

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
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: INVESTORS BANK (NJ)

Investors Bank in NJ changed the type of checking account I have without my consent because they said they eliminated my type of account. They did not give me 30 days advanced notice before this change took place. The new terms on the account began on XXXX XXXX, 2016 the letter telling me there would be a change was received within the same week. I have had my account for 8 years and was not charged by Investors Bank if I used an ATM that they did not own. Now I am being charged {$3.00} for each of these types of transactions over XXXX. In the first two weeks of this change I have already been charged XXXX fees and the bank did agree after some arguing to reverse XXXX of the XXXX fees. Had I been given the advanced notice I may have chosen to look for a new financial institution since the only ATMs that will now be free are the ones Investors Bank owns, which there are about XXXX only located in the state of NJ.
Consumer complaint received 2015-10-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

My contract with Conn 's states I have 10 days from the due date before a payment is considered late. When I am 1 day late the company calls me anywhere from XXXX times a day. I have times they would call me every 30 min or every 1.5 hours for a bill that is no more than 2 days late. I have called and asked they stop but they tell me they have the right to collect on any outstanding debts. But it is not a debt. It is a credit card with a 10 day window to pay the bill.
Consumer complaint received 2016-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (FL)

Upon moving from XXXX location to another XXXX did not forward a final invoice for {$82.00} dollars. This has been paid but was late to XXXX due to their failure to invoice. G C SERVICES a collection agency has claimed the recover of the debt even though it was paid directly to XXXX. They have since put XXXX collection notices on my credit report and went as far as listing that I had an open account directly with them on my credit report. They do not respond to phone calls to their offices.
Consumer complaint received 2016-07-28
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: Summit AmeriFirst Holdings, Inc. (MI)

Amerifirst finance bought out the loan we used to pay for our windows -the repetitious phone call start the day the payment is due at XXXX until XXXX. Sometimes when I get home, there has been up to 25 calls in one day. I 've been told they can foreclose on our house. This was said for a loan payment that was 13 days late. They also call my husband 's cell phone in-between the calls made to our house. We bought the widows over 10 years ago and most have been broken since the first year but directly after buying them, the company went bankrupt.