davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MI)

I am exempt from paying property tax as I am a 100 % service disable veteran. I received the exemption approval from my city on XX/XX/XXXX. 
- XX/XX/XXXX I spoke with XXXX regarding the tax exemption and XXXX regarding my escrow account. All requested documents were faxed to Ditech at XXXX XXXX XXXX XXXX. 
- XX/XX/XXXX Ditech confirmed they received my documents and was told my tax liabilities were zeroed out of my escrow account and wait 7-10 business days for an escrow re-analysis. 
- XX/XX/XXXX Ditech paid my winter XXXX taxes without receiving a bill. My exemption was approved by the XXXX of XXXX and a winter tax bill was never mailed to Ditech. The XXXX of XXXX mailed a refund check to Ditech in the amount of {$480.00} on XX/XX/XXXX. 
- XX/XX/XXXX I spoke with XXXX and was informed that the tax department zeroed out my summer taxes but not my winter taxes. She said she resubmitted the request to reflect a 100 % property tax exemption on my account and should be resolved by XX/XX/XXXX. XXXX tax refund check not showing in their system. 
- XX/XX/XXXX I spoke with XXXX who stated that my account was still under investigation. I requested to speak with the tax dept, the escrow dept or a supervisor and was denied. She said all I could do was wait. 
- XX/XX/XXXX I spoke with XXXX Stated my escrow account was still wrong even after last investigation. He opened a new investigation but once again I was denied the opportunity to speak with the tax dept, escrow dept or a supervisor to attempt to resolve issues. 
- XX/XX/XXXX I spoke with XXXX where I requested to speak with a U.S. customer service representative. Someone who had the experience and knowledge to go over my still inaccurate escrow account. 
- XX/XX/XXXX I was transferred to XXXX who said she was from the tax department. She stated they received the winter tax refund check in the amount of {$480.00} but it has not been sent to Ditech as of yet. I was advised to wait until I see the refund detailed on www.ditech.com. Once I see the refund, call them and request another escrow re-analysis. 
- XX/XX/XXXX I spoke with XXXX who stated they did receive the winter tax refund check and I was advised to wait another 7-10 business days for a yet another escrow re-analysis. 
- My escrow account is showing that I owe {$20.00} when in actuality Ditech owes me {$1500.00}. 

All of this has put a financial burden on me as my escrow payments were increased which in turn increased my monthly payments for the months of XXXX XXXX, XXXX XXXX and XXXX XXXX. I have been paying {$910.00} when my correct payments should be {$620.00}.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (LA)

Iberia Bank has reported on my Consumer report that I have {$410.00} as a charge off which is incorrect. I worked with the main office of Iberia Bank getting all of the fees correct that my local bank messed up on. I was trying to close my savings and my checking account. The employee left my checking account open due to a XXXX  charge that was still pending on my account and stated that once that cleared they would freeze the account and I would have to come in a sign. By the time I came in there was over 400.00 of NSF fees that the bank was allowing some autopay transactions go thru knowing I was closing the account and was told that I didn't have to worry. I would have time to change all my information and notify my creditors I was closing that account and give them new account information. Once working with the main office of Iberia Bank, they removed most of the fees and I did a phone payment for {$260.00} as the final payment on XX/XX/2018. There was no charge off or any issue with the debt. This is inaccurate information. I did go in and out of this bank and speak with 3 employees, including the manager over the woman who completely lied to cover herself. She made the error, admitted it to me and then when I got XXXX XXXX  involved at the XXXX XXXX branch in XXXX XXXX, she completely lied.
Consumer complaint received 2018-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

On XX/XX/XXXX, I received a call from XXXX XXXX with Radius Global Solutions. XXXX stated that he was attempting to collect a debt in the amount of {$660.00} that was incurred on XX/XX/XXXX ( 2.5 years ago ) at the office of XXXX XXXX. I asked who the creditor was and XXXX said it was XXXX. 

I advised XXXX that I previous sent XXXX a certified letter explaining that this alleged debt was from a XXXX XXXX performed at my son 's pediatrician 's office and not at XXXX. I further explained that even if the pediatrician 's office sent the XXXX to XXXX, XXXX was within our insurance network and tests were covered at 100 %. XXXX stated that his information showed that the {$660.00} was " patient responsibility '' according to info. in his system from " XXXX '' ( which he said was XXXX XXXX ). 

XXXX further stated that his company began collection on my date as of XX/XX/XXXX and that before then it was collected on by another company for six months but he did not know what company that was. 

XXXX said that this account could be reported to credit reporting agencies. I advised XXXX that I wanted him to validate the debt, for his company to cease calling me, and for the company to note that I dispute this debt should it be reported to a credit reporting agency. 

I do not owe this debt. First, I did not agree to have XXXX XXXX provide services to me and XXXX will find no agreement between XXXX XXXX and myself. I agreed to receive lab services from the lab in my son 's pediatrician 's office, which were covered at 100 % by my insurance company. Second, under my then-current BCBS insurance plan, all XXXX XXXX costs should have been paid at 100 %. Therefore, it is my assertion that this is AN ATTEMPT TO COLLECT A DEBT NOT OWED in violation of the Florida Collection Practices Act and the Fair Debt Collection Practices Act. 

I hope that you will be able to assist with resolving this matter. 

Thank you. 
XXXX XXXX
Consumer complaint received 2019-02-09
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: Innovis (OH)

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-02-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ATG Credit, LLC (TN)

I routinely check my credit report for updates and inaccuracies. I checked my report during the week of XX/XX/XXXX after receiving an email alert from a credit reporting agency that my score had changed. I logged in and determined that both XXXX  and XXXX had derogatory remarks on my account from a collections agency called ATG, which caused an almost 20 point drop in my credit score. I have never heard of ATG before seeing their name on my credit report nor have I ever received any correspondence or communication of any form from them. I had NO notice of any debt owed and I have no idea what this pertains to. 

I am unclear what the claimed amount owed is. Per the credit report it says balance {$4200.00} and highest balance {$2700.00}, which makes no sense to me. It also says that it was opened in XX/XX/XXXX. However, I usually check my credit at least once a month and receive regular email notifications of changes to my score and last week was the first time this appeared on my credit report. Again, between last XXXX and now, I had no communications from ATG regarding a debt owed. Reporting the alleged debt to the credit reporting agencies and significantly damaging my credit was the first notification.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Background : I am a victim of Identity theft and I have on three occasions via certified mail sent XXXX XXXX XXXX XXXX a copy of my police report requesting them to delete the fraudulent data/negative trade line. However, they have refused to delete the fraudulent data moreover, they have not provided/produced verification of the account as mandated under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Equifax has produced no documentation with my " Wet Ink Signature '' on it to validate that the account is being reported accurately.
Consumer complaint received 2019-02-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (MA)

I was summond to court for a debt that was paid off years ago the company had gone bankrupt. The collection agency has filed a lawsuit against me to garnish my wages. I think it is unfair to be charged again for something that was paid off.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

Equifax refuses to tell me how they score my credit. I have a student loan that has been in god standing for over 3 years now last week XXXX XXXXXXXX updated my my history where 4 years ago i was 120 days late but now they changed that for year old late period to 150 days and my score dropped 89 points. Then the following week i had 2 collection accounts removed and they dropped my score 10 points. only Equifax does this and cant justify the bias actions. Equifax is corrupt and needs to be held responsible.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I have been on auto pay with MacyXXXX XXXX  XXXX card for about a year now however when my payment came up due on XXXX XX/XX/2022 The payment did not go through because it said I was not on auto pay. I resolve the issue and they took back the lead charge but it still makes me angry and Im not sure I can trust them any more my credit is superb and I always pay the statement balance every month and all my credit cards which are on auto pay even though its resolved Im still not happy about it and still dont know why Auto pay disappeared from my account
Consumer complaint received 2018-10-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. ()

I've ( XXXX veteran of foreign wars ) worked in XXXX  in XXXX and XXXX and XXXX. The schools accredited or not, have refused to sign the student loan forgiveness letter provided by Navient. Navient requires the school finance officer to sign the document. However, what if the school won't sign it due to workplace issues or even forced labor? I was XXXX  five subjects at XXXX XXXX. Also, one year of XXXX  in XXXX is equal to XXXX  five years in American hardship schools and location. I have XXXX here for five years resulting in my inability to pay my student loans. XXXX  in XXXX as a military veteran, a mentor in the classroom, is almost priceless. I would like XXXX $ forgiveness for every 3 months employed as a XXXX in a third world country. Technically, the schools can force foreign migrant XXXX, even American veterans, to work illegally by not providing a work permit or even outpatient health insurance. I am at greater risk here than when I served in XXXX! Indeed, I do not get hazard duty pay. My competition for XXXX  jobs comes from the XXXX XXXX who comes here to XXXX almost for free on year contracts. This makes it harder for me to maintain full time positions without allowing for modern day slavery.
Consumer complaint received 2019-02-08
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. (GA)

I'm in the market for a home, so recently i pulled my credit report to see what my score was and i see items on my report that are not mine. This is completely unacceptable and totally embarrassing. I need these items removed from my credit report. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX. I have also contacted my city police and contacted the FTC as well.
Consumer complaint received 2018-10-12
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Delta Management Associates, Inc. (FL)

On XX/XX/2018, I sent a Cease and Desist letter to the public address of the company including my current contact information ( phone, address, email ). The letter requests that the company cease and desist calling family, personal contacts and co-workers and my workplace.
Consumer complaint received 2018-10-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IL)

Hello, I am reaching out because I need assistance in resolving this issue. I tried logging into my account after I got off work on Friday XX/XX/28. Upon logging into the account, I was unable to make a payment. The system required me to make two payments. I then tried to call the payment center to make a payment by phone. Because I have a loan modification application, the system directs you to speak to a representative. Because it was after hours I could not make the payment. I am now required to make 2 payments in order to bring my account current. 

I am being punished for having a loan modification on file. It seems as Amerihome is purposefully keeping me from making a payment on my account. I was told in order to make a payment I could pay a fee or mail the payment in. I made the payment. Now, I have to suffer with a late payment on my credit report which is unfair. 

I have also reached out for assistance with my mortgage loan to get a reduction in my mortgage payment which includes prinicipal. I am dealing with a property underwater, sewage system failing and I am still fighting desperately to keep my home after being diagnosed with XXXX. And having 5 XXXX. Durning this process, I submitted a signed letter from the doctor which showed the time I was required to have off work. amrihome then required me to give the reason for the diagnosis. I had to disclose the XXXX, which I feel is a invasion of privacy. If I have a signed document from a doctor that should have been suffice.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

I am writing to urgently dispute delinquent payment statuses on two Home Depot credit accounts I never received, which have significantly impacted my credit score. These accounts are inaccurately marked as delinquent due to circumstances beyond my control, requiring immediate rectification. 

The accounts in question were closed by me on XX/XX/XXXX and XX/XX/2023. Despite this, they continue to tarnish my credit report with delinquent payment statuses60-89 days late for one and 30-59 days late for the other. 

The root of this issue is twofold. First, when I spoke to the payments collectors to pay off the entire account balance and close both accounts they apparently closed the accounts but only paid the minimum balance ; second, I never received the Home Depot cards via mail, making it impossible for me to log in and make the required payments. I initially applied for these cards to take advantage of a discount offer, not anticipating the ensuing complications due to their non-receipt. 

Given that the delinquent statuses are due to systemic issues and not any fault of my own, I urgently request that the CFPB conduct a swift investigation to correct these errors and amend my credit history to accurately reflect my financial conduct. I stand ready to provide any additional documentation or information as necessary.
Consumer complaint received 2019-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (NM)

XXXX I started repaying my student loans, I am a XXXX and used the income based repayment plan, I payed on them from XXXX - XXXX, every year they made me do a new income based repayment plan request and send tax documents, which I did. In XXXX, they asked for paycheck stubs also, I sent those, then they asked for a letter from the company I work for, I sent that. During this time, I had automatic payments coming out. Suddenly I received a letter with a message " your request for a deferral has been approved '' then no payments. in XXXX, I tried finding the loans, but the company had sent them off and told me to go to the default loan service, I tried finding them to who they sent me to, they had no information. Now XX/XX/XXXX, I get a letter that my XXXX original loans is now XXXX dollars and it is with some other contracted company. I had auto payments set up and the company stopped taking money out, then could not find the loans even though I was looking and contacting the company. How do I fix this and get back to the income based repayment plan I had been on for 3 years, when they suddenly deferred it and then moved everything around.
Consumer complaint received 2018-10-14
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: COMMERCE BANK (OH)

I had a credit card with Commerce Bank. As my father passed away on XX/XX/2016, I had to travel to XXXX to attend his funeral. I was living in XXXX for 6 months to handle the legal cases regarding the heritage. Commerce Bank was supposed to send me the e-bills through email because I had enrolled into the electronic statement when I was applying for the credit card. But Commerce Bank stopped to notify during my travel. I became aware of the unpaid balance when I got back to my home in United States in XX/XX/2016 because I received an overdue notification from them in the mail. As soon as I paid off all the balance, they closed my account. I have made several attempts to contact them to dispute the credit reporting, they did not respond.
Consumer complaint received 2023-10-31
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: EQUIFAX, INC. (IL)

On XX/XX/23 Equifax should have received a letter from me explaining and filing a complaint in regards to items that i deemed not to be mine. They have yet to respond and it feels as though they are taking my complaint lightly.
Consumer complaint received 2018-10-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergys (IL)

Received letter from collections in reference to a debt from XXXX XXXX for XXXX XXXX XXXX. 

The collection agency, the 1st party XXXX XXXX XXXX XXXX XXXX   changed the address without authorization. 

The address is only a forwarding for care of.I never gave authorization for any change of address, contact to this address and or other.
Consumer complaint received 2018-10-12
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: Rocket Mortgage, LLC (PA)

On XX/XX/2018 Quicken loans called me on the phone wanting to give me a loan for a home my wife and I am looking to purchase. I explained to them that I was already working with a lender and they ran a credit check on me without my permission. I immediately called the up and demanded it be removed at once. They kept on playing phone tag with me putting me on hold and transferring me with several different individuals. I explained to them that I was going to file a complaint with the FTC and I got the impression that they didn't care. This is the second time quicken loans did this to me the first time was in XX/XX/2018.
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I recently obtained a copy of my credit report from XXXX report. It indicated that ( 3 ) credit inquiries were made by your company. However, only one was authorized by me the ( 2 ) other inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries, and have them removed from my credit report.
Consumer complaint received 2018-10-14
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: AES/PHEAA (MI)

XX/XX/2018, XXXX XXXX changed the way that they report Student Loan debt to the credit Agencies. Instead of it being reported, as in the past, like Mortgage debt, it now displaying the interest that is accuring monthly. It's as if the interest has been capitalized! It has not been. 
My mortgage debt does not do that. It is an installment loan. My credit has took a major hit of at least 50 points! I tried speaking to them to get a better explanation, but no one was clear on how this happened! They just apologized! My credit will never be able to heal because of the way that they are now reporting this installment loan. How can this be fixed?