davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Business Bureau (IL)

I have received several collection calls from Medical Business Bureau ( " MBB '' ), alleging that I owe {$150.00} for medical services rendered on XX/XX/XXXX. The most recent call was on Monday, XX/XX/XXXX. According to MBB 's representative, this debt is associated for the medical services of XXXX XXXX XXXX. 

I have called the doctor 's office, but they do not have a record of services rendered. In fact, the office claims that the doctor was not with the practice in XXXX. I have requested a verification of debt from MBB, but they have not produced one. I expressed all my concerns to MBB representatives, but they do not have answers, nor do they care. 

MBB is, however, reporting negative information on my credit reports, which is impeding my ability to obtain credit. 

MBB is also not following the requirements of the FDCPA. I never received notice of the debt as required by 15 USC 1692g. On Tuesday, XX/XX/XXXX, I faxed a dispute and requested a verification of the debt -- that letter is attached. MBB has failed to produce anything in response. But the phone calls have stopped -- perhaps because the proof does not exist. 

I am requesting that MBB cease all collection efforts and remove any negative information from my credit reports. I would like confirmation that this information has been removed.
Consumer complaint received 2015-05-27
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

The lender makes every effort to not credit payment on the date that it is received. 
The lender charges high fees for making payments and intentionally delays posting payments to create additional late fees. 
The United States Postal Service confirms that the payment was received on XXXX XXXX but the payment is not posted until XXXX XXXX. The Lenders ' correspondence states that a late fee would only be charged after the XXXX. But a late fee is charged to the account.
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (MO)

On XX/XX/XXXX I was approved for a Synchrony credit card through XXXX. On Sunday, XX/XX/XXXX, I went to XXXX to purchase a desk chair and was told that I could no longer use the Synchrony credit card that I would have to reapply to their current vendor. I was terribly shocked that after only five months that I have an increased credit line that is null and void. It was suggested by XXXX customer service that I apply for another credit card with their current vendor ; however, this would not be in my best interest in that I have more than enough credit cards at this time. 
I called Synchrony Financial, and unfortunately, it appears that I am in possession of a credit card with a substantial line of credit that I can not use. This is unfair to me as a consumer, who dealing in good faith with XXXX, am in possession of a useless credit card.
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MI)

I pulled my credit file on XX/XX/XXXX and realized none of my accounts on my equifax report had updated since XX/XX/XXXX. I called each of my creditors showing on my report and wzas informed by each of them that the had been sending my credit file monthly to equifax. I called equifax on XX/XX/XXXX and informed them this was going on and that my file for the last year none of my accounts had updated my credit limits, balances or payment history since XX/XX/XXXX the rep informed me that she had matched up my information in their system and it would update within 24-48 hours. The following week I pulled my report again and my info still had not updated, I called equifax back on XX/XX/XXXX asked for a supervisor I was put on the phone with XXXX ( a supervisor ) she told me every account that was listed on my credit file had stopped sending them updates in XX/XX/XXXX. I informed her that I had statements from my creditors that stated my history with them that they had been reporting to equifax she informed me the only way they could update my credit file is if each of my creditors called them and they updated my file through there business dept my creditors informed me they do n't do that they only send electronic files. Equifax has refused to update my file even after sending them the letters from my creditors stating my credit limits, balances and payment history
Consumer complaint received 2016-04-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Io, Inc. (VA)

I received a bill for {$150.00} from XXXX XXXX and sent a money order for {$150.00} to XXXX XXXX XXXX, XXXX, Maryland XXXX via united states postal service mail and delivery confirmation reports it was received on XXXX/XXXX/2016 at XXXX. Despite this, I received a letter dated XXXX/XXXX/2016 from Receivables Management Systems ( a collection agency for XXXX ) reporting that I have a remaining balance of {$54.00}. I do not, because I owed {$150.00} for the service and paid it in full in XXXX 2016.
Consumer complaint received 2016-04-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CO)

In XXXX of XXXX my wife and I refinanced a Home Equity Line of Credit which is, in essence, our home mortgage. We went through the refinance through XXXX Bank to pay off XXXX XXXX XXXX XXXX and signed XXXX Bank 's form authorizing Payoff and Closure of this account on XXXX XXXX XXXX. I have tried repeatedly to recover the funds that were transferred to BSI Financial from XXXX XXXX XXXX XXXX on XXXX XXXX XXXX. I 've been told on several occasions ( including today, XXXX XXXX XXXX the complaint department was investigating the complaint and would have a resolution by the end of the month ( XXXX XXXX ) again, I was told the same story just today. I have a check dated XXXX XXXX, XXXX in the amount of {$240.00} which I will not cash until I receive the {$19000.00} because I wo n't cash it and have BSI say they owe me nothing more because I closed the account when cashing the check. Given the fact most checks are null and void after 90 days the check I presently have will expire on XXXX XXXX, XXXX and I will have to fight to get THAT money reimbursed as well. I 'm tired of the stonewalling and not to mention the {$30.00} maintenance fee they charged on a zero balance account that should have never been transferred to them in the first place.
Consumer complaint received 2016-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (VA)

I was denied for HAMP, XXXX XXXX XXXX Mod and HAMP Tier II. HAMP and XXXX XXXX XXXX mod said I am less than the XXXX % DTI, which I understand that. But the HAMP Tier II I do qualify for. My denial letter states that I was denied for HAMP Tier II for the following : Your client 's modified monthly mortgage payment must be greater than or equal to XXXX % or less than or equal to XXXX % of their gross monthly income. Well, I am at XXXX % DTI which shows that I do qualify for HAMP Tier II. 
I filed an Appeal on the denial letter and the lender stated they would have a response by XXXX/XXXX/2016. My atty nor I have received a response. I called the lender on XXXX/XXXX/2016 and I spoke with XXXX in the XXXX XXXX. She placed me on hold while she contacted Loss Mitigation. XXXX came back to the phone and she stated that the Appeal is still in review and is in the Complaint Department. She stated that Loss Mit does n't know when a decision will be made. 
This is not acceptable. As you can see I clearly qualify for the HAMP Tier II and the lender has taken over 30 days to respond with a decision on the Appeal. Even if I did not qualify for Hamp Tier II, the lender should have some in house modification programs such as Asset streamline mod etc, to assist homeowners with true hardships. 
The lender also indicated on the denial letter that the completed an interior appraisal on the property. The lender DID NOT complete and interior appraisal or an exterior appraisal on the property.
Consumer complaint received 2016-04-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (MD)

Hi, My name is XXXX XXXX I have a car loan with BB & T Bank ( XXXX # XXXX ) and It looks like the interest payment amount keeps going up instead of going down every month. I thought interest payment should decrease over time and monthly payment applied to Principal should increase. However, payment applied to principal keeps decreasing every month. 
This Bank is going opposite I need help.
Consumer complaint received 2016-01-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (DE)

XXXX on XXXX XXXX should be altered and Macy 's name should be removed. 
I was informed earlier by XXXX Macy 's employees that XXXX was available for using any credit card at Macy 's stores. I also checked on XXXX site as well as XXXX credit card 's site to confirm and Macy 's was clearly written as a participant. XXXX card is having a promotion wherein transactions would receive 10 % cash back of the total amount transacted, if used with XXXX Pay in-store. 
I saw some pieces of jewelry at Macy 's amounting to around {$10000.00} and wanted to buy them for my sister and mother. I however did not have the XXXX Pay/XXXX card set up, so I went home to get those. 
Also, AFTER confirming with Macy 's on the phone and website XXXX as well as with XXXX at their store and online AND with XXXX online and on the phone ; I was sure that Macy 's would honor XXXX Pay, and so then I came back to Macy 's within 2 hours to buy and was informed now that Macy 's does not support XXXX Pay. 
I have now technically LOST 10 % of my transaction amount in XXXX Cash-back. I would like Macy 's to please refund me 10 % of the transaction amount that I have now lost in cash back due to Macy 's deceptive advertising around XXXX Pay availability. 
I was hence Forced by Macy 's to use the Macy 's credit card for the transaction which is absolutely unfair and incorrect behavior. 
I had put another piece for around {$8000.00} on hold and was going to buy that as well on my XXXX XXXX, but after being informed of Macy 's stance on XXXX Pay/Discover card, I chose at that point to leave those XXXX additional pieces of jewelry aside from my purchase order. 
The said transaction for the XXXX piece of jewelry is said to hit my account on XXXX/XXXX/2015 and I want Macy 's to refund me 10 % of that transaction to address the loss I have had to incur due to not being allowed to use XXXX Pay/Discover at the Macy 's store. I have included relevant links for your validation in the email above. 
On subsequent follow-ups over the last 2 months, Macy 's reps have been extraordinarily rude and defensive and simply unwilling to hear me out. On several occasions, I had to request the reps to stop 'interrogating ' me or to not interrupt my sentence prior to my finishing my thoughts. I was provided ultimatums and told in many nuances what a miserable individual I was ( the recordings at Macy 's would concur ). At this point, I had to take a stance as well and be more forceful in my responses. 
XXXX of the Macy 's Exec office rep ( PLEASE listen to her recorded conversation with me as well - XXXX XXXX ) pretty much informed me to follow her terms or pretty much go to XXXX. My cards on the Macy 's card website have also been blocked so I can not see any balance information etc. I would imagine this is breaking some Regs out there. I also informed XXXX XXXX that if they applied the said credit against the 0 % APR balance, Macy 's would only benefit. She refused flatly and even expected me to take leave from work and stay at home to accept her certified mail.
Consumer complaint received 2016-04-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

My mortgage was owned by XXXX XXXX XXXX. It was then, as customary, my mortgage is now being handled by Seterus, which in the past 2 years have been, by far the worse .... even worse than XXXX XXXX XXXX. XXXX XXXX, 2015 I sent Seterus a check from XXXX XXXX to have return to XXXX being that I decided to go with another Insurance Company. A year later, Seterus claims I owe that money and they had never received the funds.Of course they increased my ESCROW so I had to do their job, contact XXXX, have them re-issue the check, send it to Seterus via Register Return Receipt, once I confirmed the check was received by Seterus, I called to follow up, and they still claimed the check had not been receive, I lost it and told them off.They increased my mortgage payment and said once they received the check, they will do another escrow analysis and it would take up to 30 business days to make any adjustments in my account. XXXX & behold they made the adjustments and 30 days exactly my mortgage payment was re-adjusted, ( which leads me to believe they had the check all along and did not want to admit it ). Yesterday I come to find that the taxes on my home have not been paid. Seterus was returned a payment of {$1600.00} from XXXX XXXX XXXX Collector and has been sitting on it for 1 month.Yesterday I received an email form them indicating my taxes are past due and that further penalties and fees are being accrued for lack of payment. I called Seterus once again spoke to a representative by the name of XXXX, and was told she would put an " urgent action required '' note in my file and I would have to call back and follow up. Really? do I have to follow up and do their job? why in XXXX are they managing something they ca n't obviously not able to handle? I am the victim here, not only has my home insurance been jeopardize but now my taxes? Seriously? Does n't Seterus and their " reps '' know I can have my home be taken away for not paying my Insurance or Taxes? What kind of a joint are they running there? If these XXXX ups are the lack of service Seterus creates, then why nothing is being done, why does n't Seterus pay out of their pockets these kind of financial XXXX ups caused by their lack of service? I am sure they have liability insurance. I refuse to pay for their XXXX ups anymore, nor do their job for them. 
I WANT SETERUS TO PAY FOR ALL THE AGGRAVATION, HARDSHIP, FRUSTRATION AND PUNITIVE DAMAGES THEY HAVE CAUSED ME.
Consumer complaint received 2016-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

My loan was moved to Navient from XXXX XXXX, so I did n't receive notification of where to send my first payment after completion of Chapter XXXX Federal Bankruptcy. Since the interest ballooned so high, I need to make accelerated payments on my student loans as to avoid excessive interest payments during the life of the loan. Navient will not let the payee set up auto payments in excess of the minimum payment. I had to call customer service and argue with them to increase me auto payment. After almost 1 year of making accelerated payments. Navient sent me a letter notifying me they changed the terms of my loan, which ended up meaning they reduced my auto payment amount back to the minimum. This would extend the life of the loan and cause me to pay 3 times the amount of interest. I never authorized my auto payment to be decreased. They decreased it for obvious reasons to try and get more interest payments out of my loan. This is deceptive and should be illegal. As well, the Navient Website should be set up to allow the borrower/payee to set up auto-payment amounts in excess of the minimum payment, and change it at the payee 's discretion as long as auto-payment amount does not fall below minimum amount due.
Consumer complaint received 2016-04-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (DC)

Repeated calls at my place of work, a XXXX office. Informed XXXX XXXX on XX/XX/XXXX at XXXX that this was a XXXX office and he was prohibited from calling to collect debts at this office. Informed XXXX XXXX on XX/XX/XXXX at XXXX that this was a XXXX office and she was prohibited from calling to collect debts at this office, and that a complaint would be filed.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Equifax I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are FRAUDULENT accounts and inquiries on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 

Please remove the following fraudulent accounts and inquiries from my credit report : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XX/XX/2024 XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX To : Equifax I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are FRAUDULENT accounts and inquiries on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 

Please remove the following fraudulent accounts and inquiries from my credit report : ACCOUNTS : 1. XXXX Account XXXX : XXXX 2. XXXX Account XXXX : XXXX 3. XXXX Account Number : XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.
Consumer complaint received 2024-09-03
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. (GA)

I am writing to express my concern regarding the inaccurate BANKRUPTCIES on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my life together for me and my family. Please review all of the documents removed the accounts that are listed