davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (VA)

I have had a chronic problem with Synchrony Bank. A few examples include unauthorized charges ( XX/XX/XXXX ), Incorrect credit report notation ( XX/XX/XXXX ) and Incorrect statement notations ( XX/XX/XXXX ) to name a few. My current issue involves the wrongful dishonor of a legitimate medical co-pay charge from a medical provider ( " merchant '' ). By way of background, at the time this {$40.00} charge was attempted, there was a remaining available credit amount of {$7000.00} and the card was, and always has been, current and I also received a note from the bank thanking me for managing the account. Not only did this declination cause me considerable embarrassment, it constituted the bank 's taking an adverse action, limiting or suspending access to this account without proper prior notification. I contacted the bank and was not provided a reason for this adverse action except that the : ... merchant don't ( sic ) accept the card ... '' This " explanation '', of course is pure nonsense, as the card is represented as a universally accepted MasterCard and I was on the phone with the merchant as they attempted to put through the charge - unsuccessfully three times. For the record, I am an authorized user.
Consumer complaint received 2015-11-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Improper contact or sharing of information probably best describes what happened. 

I received a call asking for someone who is n't me. I let them know I was not who they were looking for, but I wanted to know how my phone number was on their call list. 

The only response I received was : I 'm sorry, we must have the wrong phone number. To which, I asked, how exactly did my number end up in your system. 

I was escalated to a manager, and again, the only response I received was that if it was a wrong number, they will mark it as such. But they had no explanation for how they received my number. 

The manager tried to feed me some XXXX by telling me that it 's probably just a leftover reference from the old owner of my phone number. I informed him that I 've had my phone number for over a decade, which should put the debt they are trying to recover for beyond the statute of limitations in most states in the US. 

The manager offered to pull up the record and saw that the first time I was called was in XXXX 2015. That pretty much exposes the flimsy explanation the manager provided me in the beginning. 

In addition, a cursory google search shows that Portfolio Recovery Associates has been guilty ( and fined for ) of attempts at recovering debts beyond the statute of limitations in NY. 

I am writing this complaint to say that it looks like Portfolio Recovery Associates may not have changed their behavior and are likely continuing to try and recover debts outside of the legal limits. 

I do not feel their tactics are honest, and I am further in support of reform of the debt recovery industry. People should, without a doubt, pay their debts, but debt recovery agencies need to be held to greater accountability.
Consumer complaint received 2017-01-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (KS)

I had a XXXX from Drive Time that turned out to be a lemon. They agreed to take it back and I could get another car. I got a XXXX which is now a mess also. The car has a short somewhere as it keeps locking its self and now the alarm keeps going off and I tried to undue the battery and kept it off for a while and when I put it back on alarm goes off again and I ca n't get in my truck cause it thinks the car is being broke into with the alarm going off. I was driving down the road one day when my lights started flickering and the alarm was going off while I was driving it. I was told XXXX was made better now and that they did n't have very many problems and now this which is now a second lemon plus the trunk pop up twice while I was driving it due to some damage back there that I did not see when purchased. They are selling cars that can cause wreaks or kill someone. I only had this car for 6 months.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (LA)

Ditech made several mistakes with my account in the month of XXXX, including taking an extra payment. I asked for a refund of that extra payment and Ditech negated my XXXX 2016 payment to issue my refund INSTEAD of reversing the extra " principle payment. '' As it stands now, my account is in default, but showing an unwanted principle payment. Because of its default status, Ditech collections department harrasses me by calling XXXX to 4 times a day, INCLUDING THE WEEKEND! I have asked repeatedly to have the account corrected ASAP, but all I get is rhetoric that it will be done soon, but it never gets done.
Consumer complaint received 2017-01-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION (SC)

My mortgage account was transferred from XXXX XXXX XXXX to M & T Bank a few years ago. In 2015, I was experiencing some income challenges and fell behind in my payments. From XX/XX/2015 through XX/XX/2015, with XXXX grace, I was able to pay off the agreement with them. This was to clear ALL debt due and I was to start fresh for the new year, per their Mortgage Assistance Department. This never happened. My XX/XX/XXXX bill included additional " past charges '' that there Customer Service Department insisted were still due. 
To make matters worse, I changed mortgage insurance from XXXX to XXXX in XX/XX/2015. I contacted all parties ; bank and both insurance companies however, the mortgage still reflected the higher XXXX premium for XX/XX/XXXX. I paid that month, hoping that the corrections would be made the next month. They were not. I called and was told that whichever department that processes insurance changes had not done so. In the meantime, I was to pay the excess charges, since the bill was sent already, and I would be reimbursed. I told the young lady, to whom I was speaking to, that that made no sense to send money that I do n't have or owe. She stated that there was nothing she could do. I sent the payment with the new premium amount for XX/XX/XXXX. Later that month, I received a check from M & T Bank for the XX/XX/XXXX overage that I had paid. The next month, my bill still carried the old premium and again, I did not pay that portion in XX/XX/XXXX. Since that time, the bank has been carrying that old premium as something I owe, which I do not. I have not spoken with the bank as each time I had in the past, the person receiving the call speaks to me as though I am at fault and gave no credence to anything that I have tried to explain. 
I discovered yesterday, in checking my credit report, that they have been reporting to them, 30-day late payments ever since XX/XX/XXXX despite my monthly on-time payments! This has reflected negatively on my credit rating and has caused me to be declined for a car loan, which I now desperately need!
Consumer complaint received 2015-08-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

Green Tree Servicing LLCXXXX XXXX XXXX XXXX, XXXXXX/XX/2015XXXX XXXX XXXX XXXX XXXX, XXXX XXXXRe Acct. XXXXTo whom it may concern, By law a mortgage company is required to send monthly statements to its customers. I have not received a statement from your company since XXXX of 2015. I have filed no bankruptcy, nor have I changed addresses. I have called two different times requesting statements to be sent out and all I receive is hostile treatment by your people. I continue to receive all other forms of communications from your company, so please, immediately send me a billing statement so I can bring my account current. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2015-05-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

For many years my wife and I banked with Capital One Bank and the institution it gobbled up during the financial crisis, XXXX XXXX Bank, before that. It has been a profitable relationship for the bank and for the most part satisfactory to us. However on XXXX XXXX we received separate unsigned XXXX snail-mail letters sent from an unidentified Capital One office in XXXX, XXXX, announcing that they were closing each of our accounts with no explanation. They claim, erroneously, that we agreed upon opening the accounts that they had the right to close it ( in fact, they took over the account from a predecessor bank ). However, we have no desire to contest that claim or to bank further with a company that treats customers so shabbily. Both accounts were in good standing and had ample funds on deposit. A {$5000.00} line-of-credit attached to my account, also in good standing, also was closed. By trackable express mail and also by E-mail I asked the CEO of Capital One to have someone contact me or send an explanation but received no reply. I asked the manager at the branch in downtown XXXX where I conducted most of my in-person business, but he was clueless and referred me to a customer service phone line. I spoke to several people by phone in that customer service center, squandering a great deal of time. A case number was assigned and each one promised to have a higher-up contact me. But nothing happened. I believe I\we each deserve an explanation. I am aware that Capital One is one of the sleazier financial institutions in the country, having paid XXXX of dollars in fines for unlawful corporate misbehavior. But in this instance their behavior is simply irrational, though probably not illegal. Why would a financial institution shut the door on a paying customer in good standing? What sort of judgment does that reflect on its corporate leadership?. If it received information from a government or a private source about activities on our parts that could affect them, are they not morally obligated to share that information with us, their customer? We have moved our accounts to another bank but we insist upon a written explanation signed by a responsible official from Capital One Bank as to what information or action caused them to act in such an offensive and disruptive way.. I want them to share with me any and all information so that if it is in error, we can attempt to correct it, and if I or we have done something that concerned them there is an opportunity to address that action. Thank you.
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

Ocwen Loan has reported several different account numbers on my credit reports for the same account. I called them to verify debt - all but XXXX are invalid account numbers. XXXX invalid account number is reporting on my credit as included in a bankruptcy in XXXX XXXX and closed on XXXX/XXXX/XXXX. I filed for bankruptcy on XXXX XXXX, XXXX. All of the adverse accounts on my credit report were included in this bankruptcy but this XXXX invalid account shows as another date. 
I have disputed with all XXXX credit reporting bureaus and they will not remove it. I do not understand why this false account is showing on my credit report and with a false date for bankruptcy. 
I am not credit worthy for anything with this mortgage deficiency POST BANKRUPTCY, which is not even a valid account. My correct mortgage account was included in my bankruptcy and it reports as such on my credit reports. 
I am asking for help in getting Ocwen and/or XXXXXXXX, and XXXX to remove this false information from my credit reports.
Consumer complaint received 2016-08-28
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: McCalla Raymer Leibert Pierce, LLC (GA)

in a letter received dated XXXX XXXX, there is information having ( XXXX being one of the parties name in letter ) that property located at XXXX XXXX XXXX XXXX XXXX, was sold at the Courthouse door of XXXX County , Georgia . during legal hours of sale.However, the Courthouse door of XXXX County Georgia was not lawfully designed as an alternative for sale and was not mentioned in the Notice of Sale XXXX XXXX was able to view in a letter dated XXXX XXXX, 2016 from XXXX XXXX XXXX ( McCalla Raymer Pierce , LLC. ) Also, The letter dated XXXX XXXX it stated XXXX was hereby notified that possession was demanded by XXXX who now owns the property.The letter also stated " If possession is not relinquished Immediately, dispossessing proceedings will be initiated to evict XXXX XXXX the other parties.XXXX also received a letter stating that the landlord has filed a lawsuit against XXXX XXXX and XXXX XXXX received another notice being a defendant and XXXX being Plaintiff ... .Another complaint XXXX XXXX has is if an eviction occurred and XXXX was landlord then all court records including property taxes, tenants and joint surviivorship ownership of property should show evidence that things where handled properly and legally by these companies.
Consumer complaint received 2015-08-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I made a complaint in XXXX XXXX. Regarding Green Tree Servicingin applying my mortgage payments holding themand claiming that they arenot being paid when I made the complaint with you the filds but the third party of my payee and nod I was not even notified until I pulled title from the title company what is going on pictures my payment for being taken out of my account not being applied to my mortgage my loan modification was approved in XX/XX/XXXX from XXXX XXXX I made my complaint with you they started backdating documents not applying credits over XXXX {$180.00} plus several more XXXX that were true compared to my payee and they are stillcontinuing a hardship on me and I need them to cease and desist on harassing me I have my phone calls they have never ever sent me any document as such I have asked him several times for my receipts on my payments I have my bank statement for being such payments to them they are to be treated with distrust I can not get through to anybody but one person always direct me to a specific person named XXXX XXXX XXXX need you guys to look into this company they by their phone numbers say they are changing their name company name I have not been notified nor have I been notified of it in OD on my own property and they are still continuing taking my friend Fund 's thru my payee and not applying my account gave it to a a company by the name of XXXX Services Incorporated XXXX XXXX California I have never been contacted by themthat might be green trees continues calling me on a regular daily basiswill you get ahold of this company and have some action happen my name is XXXX XXXX XXXX I 'm in XXXX XXXX Californiathey can contact XXXX XXXX XXXX
Consumer complaint received 2017-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (ID)

I purchased a house in XX/XX/XXXX, and refinanced with GMAC XXXX in XX/XX/XXXX. In XX/XX/XXXX the account was in default and I filed a ch. XXXX BK in XX/XX/XXXX to stay the foreclosure. In XX/XX/XXXX, I modified my Ch. XXXX and surrendered the property. In XX/XX/XXXX my BK discharged an I was relieved of any and all debt on the property. GMAC themselves went into BK and reemerged as Ocwen Financial. No foreclosure took place on the property, and in XX/XX/XXXX I was sued by Ocwen in Oregon in a Judicial Foreclosure process to collect a debt that I do n't owe. As a result of the lawsuit, a judgement was obtained, and Ocwen foreclosed on the property to collect from me on the judgement. Furthermore, that foreclosure process and judgement are now a public record and are preventing me from both FHA, and XXXX financing on a new home despite exceeding the 4 year post-discharge waiting period. The act of Ocwen to delay a deed of trust forclosure process while within the confines of my ch. XXXX BK, and the filing of a lawsuit to collect, on a debt that had been discharged, is preventing me from being able to purchase home. Ocwen has shown disregard for the protections offered by the bankruptcy process and has caused me both financial and emotional harm.
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (PA)

Have been attempting to work with Ditech to obtain a modification to my mortgage for 8 months, finally got the trial modification after getting XXXX XXXX involved. They have however put derogatory comments on my credit reports ( foreclosure initiated ) and I want that removed and changed to modification trial initiated
Consumer complaint received 2016-05-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: First Associates Loan Servicing LLC (OH)

I attended XXXX XXXX for a XXXX degree program for XX/XX/XXXX-XXXX. I was never advised of a private loan being taken out until collection efforts began. I was able to defer the loan for no more than 12 months and after that I had no choice but to pay them for my credit to remain clear. All other loans were able to be entered into student loan and public service loan forgiveness, except this private loan. I am struggling to pay this loan every month, which I did n't know existed until about a year after graduating, and the loan company is advising that I have already used deferment and have no other options available to me for repayment.
Consumer complaint received 2016-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (UT)

On XX/XX/XXXX I place a cease an desist for all phone calls on my account with then Green Tree Servicing, the company has since been changed/sold to Ditech Financial LLC. My account was not sold so the cease and desist remains. I have written documentation of submitting this cease on XX/XX/XXXX through Green Tree 's website and confirmation that the message was sent successfully. I also have a copy of the message that was sent. Today, XX/XX/XXXX @ XXXX XXXX, XXXX ( employee # XXXX ) contacted my on my cell phone # ending in XXXX. I advised her I have a cease on all calls and she tried to tell me this was not documented other than for my work phone #. This is incorrect. I let her know I would be filing a complaint and disconnected the call.
Consumer complaint received 2016-07-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AE)

My husband took out a line of credit home loan for {$25000.00} in XXXX and paid $ XXXX monthly to XXXX. He discovered in XXXX that it was an interest only loan and started paying {$500.00}. XXXX purchased the loan and he continued to pay {$500.00} per month until XXXX. Based on his payment rate he knew the loan was supposed to be paid. When he continued to receive statements, he filed a complaint with the XXXX. He received a letter indicating that XXXX had filed for bankruptcy and after a full review it was determined his loan, balance was XXXX. In XXXX, he began getting statements from Green Tree. After watching the continuing frustration of my husband I spoke to Green Tree and apprised them of the situation. I indicated that my husband had paid the loan off. Recently I started getting statements from DiTech reference this loan. It appears the DiTech is in the business of debt collection and found this loan and is attempting to collect it although it was paid. 
My husband is a XXXX veteran XXXX and I do not want him harassed by a debt collector on a debt that he nor I owe.
Consumer complaint received 2016-09-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HW Holding, Inc (TX)

I recieved a notice from a collection agency that I owed {$12000.00} for breaking my lease with an apartment complex. I am XXXX XXXX XXXX and have not lived in an apartment for 40 years. The collection agency sent me a copy of my name and address and signature. While the address was correct the signature did not come close to matching mine. I sent them a number of papers with my notarized signature on it telling them it was not my signature. They sent me a letter requesting a copy of my drivers license and social security card which I felt was not appropriate. They then sent a letter denying my claim and posted this debt on my credit rating with various agencies. I have 45 years of a blemish free credit that has now been damaged by a company that has no idea what they are doing. The company name is Hunter Warfield, XXXX, Florida.
Consumer complaint received 2016-08-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

We had major problems with our mortgage with Green Tree servicing related to unauthorized fee 's, inaccurate posting of payments and paying our property taxes late ( escrow account ) and charging us with the late fee, harassing me at work, and refusing to provide either monthly statements or online info our our account summary/balance. Unfortunately, a company with problems and numerous complaints can remain intact, and simply change their name. Now that they are Ditech, we are even more upset. I AM CONVINCED THEY ARE XXXX US OVER. We filed a chapter XXXX in 2012 ( we did not include our home/mortgage ) and have continued to pay that on-time every month. Greentree AND Ditech will not put our loan balance or account summary on our statements nor online. We have NO CLUE where our money is going. I make my {$2100.00} payment every month. I called to obtain the info and the recording indicated they received $ XXXX I paid {$2100.00} It appears our loan balance has n't gone down either, it appears to have gone up! I know they added the late fee THEY PAID LATE ( escrow account ) ON OUR property taxes to our loan balance. I filed a CFPD report last XXXX regarding this and have yet to get it resolved/refuneded. I pay online every month on the XXXX,, yet they post payments on the XXXX often ( just to illegally assess a late charge ) Why does it take 2 weeks to get an electronic payment? NO ONE ANSWERS THEIR PHONES, OR RETURNS messages via their website under " contact us. '' I have sent XXXX messages in the past 8 months. The Federal trade regulation needs to investigate them asap!!! I FEEL SICK TO MY STOMACH, AS WE HAVE NO CLUE WHERE OUR MONEY IS GOING, NOR CAN WE SEE/ OBTAIN A COPY OF OUR BALANCE/ACCOUNT SUMMARY TO CONFIRM IT. PLEASE HELP!!!!