davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc. (NV)

Common Wealth Financial has previously been notified that the debt is from Identity theft. They deleted it in from XXXX, but on XXXX XXXX, 2015 they reinserted the debt in my XXXX file. XXXX different collection agencies reported the same debt on my credit files within 30 days. XXXX/XXXX/2015 XXXX reported it. XXXX/XXXX/2015 Common Wealth Financial reported it. XXXX/XXXX/2015 North East Credit & Collect XXXX inserted the same bad debt on my XXXX. There is no way XXXX debt collectors can have a legal right to pursue XXXX bill at the same time with XXXX of them listing it 15 days apart in the same month.. Commonwealth Financial has the XXXX debt SEPERATED into XXXX accounts instead of the total being listed once. I 've spoken to the original creditor they tell me it should be listed as XXXX account number, NOT XXXX. They 've separated it to do as much damage as possible to my credit scores. The same {$1300.00} bill had been listed as {$3500.00} in my reports.Why would they remove from XXXX bureau then at a later date report it another?
Consumer complaint received 2017-09-14
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. (TX)

Dpt Treasury Closed ReportedXX/XX/XXXX XXXX XXXX Closed ReportedXX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Diversified {$340.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$390.00} OpenedXX/XX/XXXX XXXX XXXX {$640.00} Opened XX/XX/XXXX
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. (AR)

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 2017-02-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I am filing this complaint against DiTech and the late reporting to the credit bureaus. As I previously stated, I have tried on dozens and dozens of times to reach a DiTech representatives to discuss the matter, never to receive a call back or an explanation regarding the issues surrounding my account. The following is a list of dates where I left messages for DiTech representatives : XXXX at extension XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. 
XXXX XXXX extension XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX she stated she submitted a verbal dispute, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. 
XXXX XXXX ( manager ) x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. 
XXXX x XXXX - I spoke to her on XXXX/XXXX/XXXX and she said she would have an account manager call me back. I tried reaching her several more times after I did n't get a call and could never get through to her again as she had no voicemail set up. 
XXXX XXXX x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, ( now, no longer with the company ) XXXX x XXXX : XXXX/XXXX/XXXX stated a supervisor would call me back, No call back. 
XXXX Customer Service stated XXXX x XXXX just acknowledged his email and would call back that day. I never heard back from her. 
XXXX x XXXX : stated my account issues go back to XXXX XXXX XXXX? really? 
XXXX x XXXX : XXXX/XXXX/XXXX stated he would review my account and call me the next day. No call back. 
Due to lack of communication from DiTech, and the fact that I tried to discuss my account with numerous representatives to find out where the discrepancies were, they should immediately remove the late mark from my credit report. THE FACT THAT IT TOOK SO LONG TO WORK THIS OUT IS UNACCEPTABLE! The constant different information from different representatives is also unacceptable! My persistence is the only reason we are now at the point that we are. 
XXXX XXXX
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (OH)

I never had a account with this company and they are listing a debt which XXXX XXXX Report. This account has a false balance and is list with a company I never done business with Aargon Agency Inc.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

XXXX bank placed an inquiry on my Experian report, after XXXX sent them over my information which they got in error ; based on misleading information and advertisements practices. However, when I connected XXXX bank questioning the inquiry, they first told me and sent me an email stating they do n't know and do n't see that they ever pulled my credit or who it is from. Even after XXXX advised them of the error that occurred and asked them in writing to get it removed masked and deleted they still kept the inquiry on my report despite several phone calls and emails I myself placed to them which they ignored and disconnected.
Consumer complaint received 2015-11-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

My mortgage servicing was sold to Green Tree/Ditech as of XXXX/XXXX/2015. I made my XXXX payment to my prior servicer XXXX XXXX XXXX by XXXX/XXXX/15, before the cutoff date of XXXX/XXXX/15 for the servicing transfer. My loan was transferred as of XXXX/XXXX/15 and when the loan was boarded, my escrow portion of my XXXX 2015 was missing. I contacted Green Tree on XXXX/XXXX/15 when I was making my XXXX 2015 payment and noticed they were showing me as delinquent. I put in a dispute on XXXX/XXXX/15 and as of today, 60 days later there has been no resolution to my dispute and Ditech is showing me as being late and have started to charge me late fees. I sent proof that I made my full payment for XXXX 2015 ( copy of my bank statement showing the full payment posting out of my account as well as a copy of the last statement I received from my last servicer, XXXX XXXX XXXX, showing that I paid the full XXXX 2015 payment and that my next payment was due for XXXX 2015. ) 60 days is far more than enough time for Ditech to verify I made my payment and bring my loan current. I have called XXXX times since XXXX/XXXX/15 and have not received any resolution from Ditech except a couple of letters after I called, saying they are still researching the dispute. Every time I call the representatives or supervisors ca n't give me any information except that they are still researching the issue. Ditech has also sent me multiple statements for the same month ( XXXX 2015 ), with different regular monthly payment amounts due and no explanation as to why the amounts have changed. I can see that the escrow portion is different, but there is no recent escrow analysis done on my account, I can see that information on the Ditech web page. My loan is not being serviced according to HUD, FHA or RESPA standards.
Consumer complaint received 2015-06-24
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ATHAS CAPITAL GROUP, INC. (CA)

In XXXX 2015 we obtained a mortgage with ATHAS Capital Group, Loan No. XXXX 
The loan documents XXXX attached XXXX states that payments should be made to XXXX XXXX XXXX XXXX located in XXXX, CA. 
We have sent payments to this address successfully using the loan number above, until XXXX, 2015. 
After sending check XXXX. XXXX on XXXX XXXX, 2015, we were informed on or about XXXX XXXX, 2015 that payment was not received. 
In following up on this notification with XXXX Customer Service on XXXX XXXX, 2015, we found that the Loan NoXXXX did not exist in XXXX XXXX system - we used the property address to look up the account. We were told that ; 1 XXXX the account number was not XXXX but XXXX ; 2 XXXX that the XXXX 2015 and XXXX 2015 payments had not been received and ; 3 XXXX our statements were being sent to an unfamiliar XXXX XXXX XXXX XXXX Washington XXXX The XXXX 2015 check has not been returned and the amount was not withdrawn from the account, also at that time the XXXX 2015 check had not posted either. 
Further we found that no action had been taken on an XXXX 2015 request XXXX email record attached XXXX to shift the payment date from the XXXX to the XXXX of each month. And that the entire mortgage would need to be rewritten if the lender, ATHAS Capital Group agreed to the payment due date each month. In addition, XXXX XXXX XXXX had been in direct contact with ATHAS by phone and received no resolution or decision regarding this matter. 
On XXXX XXXX, 2015, after talking with XXXX Customer Service, the following actions were taken ; 1. stop payment on check numbers XXXX for XXXX 2015 and XXXX for XXXX 2015, at {$35.00} for each stop payment, totaling {$70.00}. 
2. requested billing statements and communication be sent to an address that belongs to us so that payment coupons can be available for mortgage payment on the XXXX of each month. 
3. authorized correction of the erroneous billing address and that all related correspondence or issues regarding the mortgage be directed to the proper person for payment and resolution of issues. 
4. XXXX emailed a statement for past due mortgage payments for XXXX and XXXX 2015 showing non-receipt of both payments and late fees/penalties ( attached ) On XXXX XXXX, 2015 we received a default letter from a company called XXXX, we were told by XXXX that this company XXXX is a sister company with ATHASOn XXXX XXXX, 2015 - added a second signature and sent the authorization to XXXX then resent the correspondence a second time to verify his signature. 
On XXXX XXXX, 2015 we informed XXXX that ; 1 XXXX XXXX checks had stop payment on them ; 2 XXXX the payments would be mailed again with the new account number ; 3 ) we expected any fees to be reversed and default collections to be stopped and ; 4 ) that a complaint would be issued to the Consumer Financial Protection Bureau so that all parties will be on the same page regarding the account.
Consumer complaint received 2015-08-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I refinanced my home with XXXX XXXX. 
Green tree asked for 2 months of interest as well as 2 months of mortgage insurance to close my loan. 

They had XXXX in my escrow account at the time. 

Asking XXXX to close a loan, when you really only need XXXX ( interest ) makes it almost impossible for someone to be able to get the cash together to close on a refinance. They actually try to trap you with them as your mortgage holder. 

They also told me ( despite the proof of wire xfer ) that they had not received my money on Friday from the escrow company. 

Paying ANY mortgage insurance upfront is unnecessary as they have a balance in the account and will not be paying any future MI on my behalf. It is just a ruse to be able to float my money. 

First rep said they would refund me in 5-7 business days. Another one said 14 business days. Now it is 30 business days. No one would give it to me in writing. 

How are they able to behave this way? 

Forwarding to them will be useless - they are useless and nasty on the phone. And they lie. 
in 30 days someone will respond and say " we are looking into your request '' in a generic, boilerplate letter, with no contact information other than the XXXX number where you get nasty people. 

Go ahead and submit to them. I have refinanced, and I will do my best to bring any legal action against them that I can. Worst loan servicer ... Ever ... Nasty, unscrupulous and they lie.
Consumer complaint received 2016-08-17
Product: Debt collection — Mortgage
Issue: Communication tactics — Called after sent written cease of comm
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

They called to inquire about our late payment. I explained that we had moved recently and that I was starting a new job and would n't receive my first paycheck until XXXX/XXXX/16. They proceeded, and continue, to call multiple times a day several times a week. I kept telling them the same thing each time they called. Finally, XXXX XXXX cam and I made an electronic payment, as promised, and it cleared my bank on XXXX. Apparently, it has not cleared their bank. They called me again yesterday and today. 
Calling and harassing me is n't going to make their bank accept my payment any faster.
Consumer complaint received 2017-01-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (PA)

Debt Recovery Solutions was supposed to have removed derogatory information from my credit reports. It has been 60 days since their letter stating such. It still remains on my credit reports. 
REFERENCE CFPB CASE NUMBER XXXX.
Consumer complaint received 2017-01-19
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (CT)

we signed up with Global Client Solutions to consolidate our debt with some creditors. They said they would handle all the negotiations and our creditors would be paid. We could never reach anyone on the phone, we were paying XXXX a month for 11 months, I sent them statements and letters from creditors, they said do not answer phone calls from creditors. one day a Sheriff showed up my door gave me a summons to appear for court, being sued by XXXX creditor, I then called a friend who was states attorney and he said it sounds like you 've been scammed, also XXXX was involved with this scam, so I was wondering if there is any recourse in recovering monies I sent to them and was scammed
Consumer complaint received 2016-11-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

This is a new complaint against Carrington Mortgage Services, following a prior complaint ( Case no. XXXX ) which was resolved. Carrington Mortgage Services responded to prior complaint by agreeing to rescind a foreclosure and recognize a prior loan modification offer made to my client from a transferor servicer. In its efforts to fufill their commitment, Carrington Mortgage Services made the following errors in servicing my client 's loan : 1. While servicing my client 's loan, Carrington Mortgage Services ( CMS ) charged unsubstantiated and erroneous fees to his account totaling {$620.00}. These fees include a late fee for non-payment of the fees. After contacting CMS to request the basis for each fee, CMS gave a list of fee charges and dates that could not possibly apply to my client 's situation. Please see the attached letter for more detailed information. 
2. While servicing my client 's loan, CMS failed to properly calculate and implement the permanent FHA loan modification pursuant to FHA rules. These guidelines require that servicers implement delayed permanent loan modification offer in such that it will, " put the borrower in the same position as he or she would have been if the servicer converted the borrower to a permanent modification in accordance with the program requirements. '' Please see the attached letter for more detailed information. 
3. While servicing my client 's loan, CMS failed to respond to my client 's written dispute of the FHA HAMP modification terms, sent on XXXX XXXX, 2016. CMS Home Retention Representative XXXX XXXX instructed that I provide a written dispute of the modification terms and to fax it to a number he provided. XXXX XXXX insisted that the written dispute would be addressed within 30 days. CMS has still never responded to the written dispute. 
4. While servicing my client 's loan, CMS improperly distributed funds from an unapplied funds account when they removed these funds without applying them to the mortgage as interest, principal or escrow amounts.. On XXXX XXXX, 2016 CMS subtracted {$320.00} from my client 's unapplied funds balance without then applying any amount to principal, interest, or escrow and without allowing that amount to accrue to a full periodic payment when XXXX XXXX 's made a Trial Plan Payment eight days later. 
In response to this complaint I request that CMS do the following : 1. Remove all fees and charges from my client 's account, as he is current on his mortgage. 
2. Respond immediately to my client 's written dispute and re-execute the loan modification agreement using proper calculations in compliance with FHA guidelines, and do so without charging my client any fees or amounts otherwise. 
3. Account for any and all funds removed from my client 's unapplied funds account, and credit any funds that were not applied to interest, principal, or escrow back to my client.
Consumer complaint received 2016-08-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

A death occurred in my apartment while I was away from home for about a week. When i came back it was a month before my movout date but felt early departure was nessisary due to the current circumstances. Upon looking for a new residence to live in, 10 months after i moved out, I am finally notified of the remaining balance owed to my apartment managment. I called my old apartment complex to try and resolve the issue. They insisted that I come by in person and pay the full amount, totaling over {$5000.00}, in cash. I called the collective agency and they informed me that the aprtment complex was legally obligated to resolve this debt through a collector, but they had no documentation of a claim. I myself had to coordinate between the debt collector and apartment to get a claim filed. This took about a week and by the time it was filed my apartment was under new management. I decided to go in person and speak with this new manager. She told me that she was not informed about the situation at all, so we went over my account and she was appauled with how many unnecessary charges were present. Not only did she deduct about {$1000.00} worth of charges, she also told me that the previous managment had never recieved my former roomates social security number and there was no way to contact him or hold him liable for any part of the debt. At this point the consistancy of unprofessional occurrences led me to the believe that this dispute was nessisary. Not only did they try and over charge me AND pocket the money without going through an agency, but the lease was faulty from the beginning, and they knew i would be the only XXXX able to be held liable for any charges upon moving out.
Consumer complaint received 2015-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (NC)

Three years ago we refinanced our home with XXXX XXXX to get a lower interest rate. During the first year of this refinance we received a notice stating that we needed to start sending our payments to LoanCare, XXXX. We did this for nearly two years, during the last 6 months or so we got behind on our payments and was offered a Loss Mitigation by LoanCare. This Loss Mitigation was approved for a four month trial period. We made our reduced payments every month during this trial. In XXXX Loan Care sent us a notice that we no longer qualified for the loss mitigation and that we owed the full amount in mortgage payments. They did not give us credit for the payments that we made during this four month trial period. We have been unable to get anyone from LoanCare to give us a reason why this money has not been applied to our account. We feel that an investigation should be filed in order to find out if this is a common practice for this company and put a stop to this.
Consumer complaint received 2016-02-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AVANTE (GA)

I was XXXX in the military when I went to the hospital in XXXX XXXX. The hospital failed to submit the bill to XXXX ( my insurance at the time ) in a timely manner. I contacted the hospital and XXXX to resolve the debt. From my understanding it was paid. I was then contacted by a debt collector ( XXXX XXXX ) in XX/XX/XXXX after they reported it on my credit report. The debt was resolved and removed from my credit report. Almost four years later, just recently in XX/XX/XXXX I was notified that the debt was bought from XXXX by Avante and the debt was still valid. I disputed it and asked for verification and they reported it on my credit report and reaged the debt to XXXX/XXXX/XXXX. I contacted the hospital and they said there is a zero balance on my account and it is too old to offer any additional information. I contacted XXXX as well and they too said that the debt is more than five years old and they also do not have a record.
Consumer complaint received 2015-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (CA)

I was looking at my credit report and I found there is an attempt to collect a debt from me by Focus Account Receivables which I do not owe. The original creditor was listed as XXXX XXXX XXXX on the credit report. I had service with them 5 years ago, and account is closed. XXXX XXXX also does n't provide service in the area I currently live in for the past 5 years, and I also called XXXX XXXX and they do n't have any record of my name or phone number in their system or anything I owe for that matter.
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: URS Holding, LLC (FL)

I contacted ERS in an attempt to set up a payment schedule. I was told that if I did not adhere to their payment schedule which I am unable to afford at this time, that that they would report my account as delinquent and that I am refusing to pay the debt even I am making payments towards the debt of {$20.00} month which I can afford.