davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Source Receivables Management LLC (CA)

Received a call from a local telephone number XXXX XXXX XXXX XXXX. After I answered a woman named XXXX spoke very fast listing my address and asked for me by name twice. I asked where she was calling from and she said Source RM I asked what that was and she replied it was a debt collector. I asked what her location was, she kept responding by asking " how do I want to pay my debt today? '' she finally replied by saying she was located in XXXX. I asked if she was calling from a recorded line ( as I live in XXXX ) and she repeatedly asked " Why do I not want to pay my debt? '' I asked again about the call being recorded and she sighed and said " calls are monitored for quality assurance purposes. '' I then said thank you and ended the call. The whole time the Source RM representative was very rude, hard to understand and seemed to be intentionally evasive.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (TX)

I have loans via ACS Education. My monthly payment was {$400.00} monthly. Without notice this company is increasing my payment to over {$1200.00} monthly. I certainly do not have the income to make this payment. I have federal student loans and another private loans as well. The company offers no deferment or forbearance options. They are setting me up to go into default. This loan was made during XXXX school. I took out this loan while attending a school in XXXX : XXXX
Consumer complaint received 2015-07-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC (TX)

National XXXX keeps calling and leaving messages. I spoke with their President at one time months ago and he promised to remove my number, but they called again several times lately. 
This is the XXXX time I have had to write you a letter. This is a copy of the letter I sent today. 

You keep calling my office number and leaving a message for a ( sounds like ) XXXX XXXX ... YOU MIST TAKE MY NUMBER OFF YOUR LIST. Months ago, I had to go all the way to the head person. He promised to take my name and number off the list. If I have to do this again, I will file a complaint and make sure I gather all my emails and call info. The harassing messages are coming from a XXXX call center -- - number XXXX XXXX. 

Besides, I understand it is not legal to leave a message about a debt anyway! 
DO NOT CALL my numbers again!
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

I was {$48.00} behind on our mortgage because our town raised taxes and our escrow account fell behind. GREEN TREE SERVICING called my XXXX year old mother who lives in a different city and has no connection to the loan and told her we were behind on our mortgage. She said she did n't sleep for two days worrying that we were in financial trouble. Since I could never think a real company could do something like that I told her someone was trying to scam her and then she worried about that too. Major violation of privacy and unfathomable business practices to just call relatives and talk about someone 's finances. They already got in big trouble for this in Vermont, but they are still doing it. ( This happened in XXXX 2015 )
Consumer complaint received 2017-02-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

XXXX originated my mortgage and then sold it to Ditech ( loan # : XXXX ) Ditech is refusing to honor my request to start the process to remove PMI. During the transition, there were late fees charged to our note -- directly due to the transition from XXXX loan servicer to another. Funds have been held in suspense since the transition that more than covered the late fee -- yet, Ditech will not honor repeated requests to net the funds in suspence with the late fee.
Consumer complaint received 2015-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (LA)

Stellar Recvery Inc. and XXXX together Placed a derogatory collection line on my XXXX Credit File on XXXX/XXXX/2016 before and without sending me any notice to either make me aware of the debt or explaining my rights to dispute. Stellar failed to perform proper notification in writing required be ( FCRA )
Consumer complaint received 2015-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (CA)

They did not respond to either XXXX of the XXXX validation letters that I sent. The first XXXX was sent XX/XX/XXXX and the second one was dated XX/XX/XXXX. They have not responded in the allotted time to the debt validation request.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

In XXXX, I sent certified letter to dispute an inaccurate acct on my credit report. In XXXX I sent a fax with proof of inaccurate reporting. According to my understanding of the Fair Credit Reporting Act, their duty as creditors/reporting agency is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as dictated by FCRA, and removing these accounts immediately.
Consumer complaint received 2016-12-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Voss & Klein, LLC (FL)

XXXX, XXXX, XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX 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 XXXX, XXXX, XXXX 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 including : 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 : XXXX, XXXX, XXXX 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 SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Consumer Portfolio Services, Inc. (TX)

We bought a car that had some issues that was not disclosed. My wife contacted a lawyer here in Texas and come to find out if you find where the vehicle is advertised at a lower price that you paid the company can be made to pay you XXXX times the difference. We kept the vehicle in an enclosed storage waiting for them to come get it. We went to an arbitration with them. They agreed to take the vehicle back with us owing nothing. Also they paid us well over {$20000.00}. We call them due to bad credit report and they tell us dispute and we will not respond. Well guess what 7 years later it is still there being 7 years old should be removed.
Consumer complaint received 2016-02-08
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (NY)

XXXX office quoted and agreed to one price for services then charged another for services provided becuase " they did n't know '' that the health care insurance provider was n't going to cover all the cost. Refused to adjust pricing and send to collections without first contacting customer about " change '' in the cost of service or adjusting pricing to reflect what was agreed upon. Provider send debt to collections and now refuses to remove delinquency from credit beaureu agencies.
Consumer complaint received 2016-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (AZ)

My student loan is being serviced by FedLoan Servicing. I have timely ensured that all deferment requests were submitted on time, however FedLoan servicing has indicated that I have XXXX accounts late by more than 180 days. I have taken out only XXXX student loans Subsidized and Un-Subsidized, they have taken the account and assigned XXXX account number but listing them on my credit report as XXXX separate accounts as if I have had separate loans. This is not accurate and is impacting my consumer credit report negatively. I have made several attempts in having them correct the inaccurate reporting.
Consumer complaint received 2017-03-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

For about the 8th time, Bank of America has purchased flood insurance on my home when I aleady have insurance. This has been going on for 10 years and it 's taking a toll on my life. Once they do it the harassment goes on and on and they do everything in their power to make it difficult and refuse to refund the money. My agent faxed the documents as instructed on XX/XX/XXXX to a special fax number I was give over the phone directly to the person who was going to make sure this was taken care of. Then today I get the notice that they have purchased the insurance again. The mortgage is in an estate and now they are claiming I do n't have it insured properly even thought it 's been the same for 10 years. I have spoken to 10 different people at B of A and they all have a different story as to what 's right and what 's wrong. It truly is just harassment. I had to file a complaint with the Dept of Justice about 5 years ago for them to acknowledge that I did already have the insurance and that they purchased it from their own insurance company XXXX for XXXX what my insurance cost. They are at it again and I ca n't take it. The XXXX is literally taking a toll on me. They have to be stopped.
Consumer complaint received 2015-10-15
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED (CA)

I first started working with him back in XXXX because he said that my husband and I would qualify for the XXXX program. This was a complete lie. XXXX knew that I was working with other lenders, so he sold us on the product that we never qualified for. He waited a week before we were going to close on the house to tell us that we did not qualify, and that we had to come in the double the amount at closing and go with a product at a higher interest rate. This is a bait and switch. Not only is this unethical it is illegal under the Unfair or Deceptive Act and Practices. XXXX XXXX also tried to have us lie on the loan documents for the XXXX program. After he realized that my husband and I made too much money her called me and told to send him additional names because my household size needed to be bigger.Another issue I had with XXXX was in regards to the appraisal
Consumer complaint received 2016-03-30
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Student Aid (USA) Funds (IL)

I received a letter from XXXX attempting to collect a debt. I replied with a letter on XXXX XXXX with USPS tracking # XXXX XXXX XXXX XXXX XXXX. Their response on XXXX XXXX, 2016 was that they provided me with the documents that validates the account. How can a Statement of Purchased Account print out sheet be a validation of account. So I filed a complaint with the bbb regarding this matter. I also stated in that complaint that I wanted XXXX to provide me authentic document, contract, loan, or XXXX note that states I have agreed to any terms or conditions or that I have done any business with. Their second response was " Concerns were raised that XXXX did not provide a promissory note to a request for validation. Please accept our apologies for the inconvenience experienced in respect to our collection activity. Upon thorough review, we identified that a request for a promissory note was submitted to our client, United Student Aid Funds, XXXX Will forward the request validation to the address on file. '' This company should n't have a problem providing that information upon request it is the LAW. It also raises suspicions about their involvement and their hesitation to do so. I will not pay XXXX just because he says so.
Consumer complaint received 2016-07-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Ditech Financial LLC (TX)

Ditech, formerly Greentree, a financial institution holds a XXXX lies on my residential dwelling. The XXXX mortgage was originally done through XXXX I think. But now, Ditech has the loan and for the past year, has refused to give me a copy of the contract and payment structure. This has prevented me from refinancing the home and getting a better interest rate. Currently we have a 6.5 % mortgage with Chasey on a 30 year fixed and a XXXX mortgage at 8.25 %. 
I believe we are victims of racial bias based on prior lending practiceso of the XXXX XXXX XXXX, who was part of the original loan. I have decided to withhold payment from Ditech until such time that they render to me the document ( s ) I have previously requested and they agreed to send.
Consumer complaint received 2017-02-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

I refinanced my FHA loan XX/XX/2016. Immediately after refinancing, my loan was sold to Ditech. XX/XX/2016, I received a tax statement from XXXX County, GA stating I owed property taxes despite having an escrow account with Ditech. I checked my account online and they had the wrong parcel ID # for my property. I contacted Ditech numerous times by phone and was asked to fax the tax bill. I faxed the tax bill on XX/XX/XXXX. I called XX/XX/XXXX to inquire into the status. I was given an update that Ditech had sent a disbursement to the wrong city ( due to incorrect parcel ID ) and that the city of XXXX, GA had sent the check back. This past Friday, I again received another property tax notice from XXXX County stating a lien was going to be placed on my property due to unpaid taxes. Again I called, explained the issue again, they took down the correct parcel ID # again, and I faxed the bill AGAIN. I have also received an unpaid noticed from the city of XXXX and tried to tax that after receiving and the fax would not go through. I 'm attached all faxes, a screenshot showing the incorrect parcel ID #, and all property tax statements.
Consumer complaint received 2015-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Assistance Corporation dba Revenue Group (OH)

Dozens of phone calls from the revenue group in XXXX Ohio indicating an attempt to collect a debt. Wo n't disclose what the supposed debt is unless I share personal information which I refuse to do. I have told them I have no outstanding debts and to mail me information regarding the matter as it could be identity theft or something. The callers are rude and contine to call several times a week for the past few months.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have been living in a nightmare that just does not seem to end.My nightmare started in 2009 when Bank of America foreclosed on me.Since then I have tried to work out a FAIR way to keep my home.Modifications were offered to me but never in the time frame that laws specify.I was never allowed to question parts of the modifications.I was only given a couple of days to make the payment.This has been the tactic that Bank of America has used on me they have dragged out this ordeal so my back payments are enormous.I was given XXXX dollars by save the dream and they refused it. 
Recently a mortgage XXXX found out that when they foreclosed on me they did not have the note.Bank of America had no authority to foreclose on me.It is so hard and emotional to try to explain everything that happened to me at the hands of Bank of America.Something has to be done to change this type of behavior by a mortgage lender.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I was able to completely pay off my credit card so I contacted the credit card company and requested the payoff amount and closure of the account. I clarified my request by stating that I wanted the exact payoff amount for that day and time and I paid the complete amount during that phone call. I also specifically requested that a letter be sent out showing the XXXX balance and closure of the account. Roughly a XXXX later I received a statement from my credit card company showing that I still had a balance on my account from interest that had ocurred before I had closed the account. This little game could continue on for infinity and I believe that the credit card company is purposly attempting to trick consumers into thinking that they have closed an account. Once the consumer has forgotten about the account and missed numerous payments because they thought the account was closed charging the exorbitant late fees and interest rates. This is an unbelievably deceptive business practice and it needs to stop.
Consumer complaint received 2016-10-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have done online deposits regularly from my wife 's bank account at XXXX XXXX into my bank account at Bank of America at no time was this ever more than a days hold. So as usual I made a deposit and wrote checks on that account to cover bills. Image my surprise when they held my funds from XXXX to XXXX XXXX even though it was taken out of my wife 's account on XXXX. During this time not only did I never have access to my XXXX deposit but the checks bounced and they happily took out XXXX every time to the tune of over {$200.00}. And now my accounts are messed up because of returned checks and bills are late. How could they possibly be allowed to do this ...
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Diligently making my mortgage payments for the life of the loan, on XX/XX/2017, I was unable to make the final payment, due XX/XX/2017, for the {$720.00} balance due. Unable to make the payment on-line at the BOA web site, I went to the local branch in XXXX, where I live, presented the XX/XX/2017, monthly payment coupon and check for the {$720.00} balance due to Teller " XXXX '', who was unable to accept my payment due to a " computer error ''. Teller " XXXX '' then contacted BOA Relationship Manager, XXXX, to request assistance. XXXX was also unable to accept my {$720.00} balance due payment to pay the outstanding mortgage in full. 

Additionally, though the web site notes a charge of {$6.00} for making an on-line payment 10 days or more past the due date, my attempt to make the payment due on XX/XX/2017 on XX/XX/2017, noted a charge of {$6.00} to make that on-line payment the day that it is due. While that was clearly a glitch, the important concern is ; why should Bank of America be allowed to charge an additional {$6.00} fee to make an on-line payment when there is already a provision to charge a late fee for payments made greater than 16 days past the payment due date. Seems lie Bank of America is pyramiding an unjustified charge of {$6.00} for the privilege of making one 's monthly mortgage payment on line before a standard late charge would kick in as in their standard mortgage contract.