davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

I have rental property which was late on payments as tenants had not paid rent for seberal months. I did make the Payment after the monthly statement had been generated and was sent to me. The company sent someone to the property, which I understand is normal. But the investigator began talking to a neighbor leaving the impression that the house was being foreclosed upon.The company has my phone number and my home address for contact information and knew how to reach me, yet they did n't. There was no need for them to collect any information from the neighbor or tell them who they were or why they were there. Also any information shared was incorrect. Is n't that illegal?
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Zions Debt Holdings (TX)

" I am disputing an inaccurate entry on my credit report by Zion Debt Holdings, which is reporting a debt to the credit bureaus despite my prior disputes directly with them. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), they should have ceased all collection activities until verification of the debt was provided. '' Details of the Inaccurate Entry : Creditor Name : XXXX XXXX Account Number : XXXX Amount : {$660.00} Date Reported : XX/XX/year> Reference Number : XXXX Summary of My Actions : On XX/XX/year>, I called Zion Debt Holdings to dispute the debt 's validity. 
On XX/XX/year>, I mailed a certified letter requesting debt verification ( see attached XXXX tracking ). 
Despite my request, Zion Debt Holdings reported the debt to credit bureaus on XX/XX/year>, without verifying the debt.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I had four credit cards issued to my business. When my business failed in XX/XX/2013, my business settled the payment of the balances for each credit card. A portion of each balance was paid in cash and a portion was classified as income. 

As a result, all credit cards were settled in full by the business corporation. However, my personal credit reports still reflect the payment history. I want all four payment historys to be removed from my personal credit history.
Consumer complaint received 2015-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (NY)

At XXXX I received a call from this man and he said he wanted to speak to someone who had my name. I said it was me and I asked who was it and immediately this man threatened to record the phone call and did not identify himself. I do not know where this person got my name and my home phone number. As soon as I heard that the phone call was going to be recorded illegally I hanged up because this was clearly illegal and out of order. I assume this man wanted to rob my identity and was impersonating a collection agency agent but I do not have more information to confirm this but I will not share any personal information with unknown callers.
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

This complaint is similar to the one I made on XXXX XXXX, XXXX against XXXX. Since then I was advised that I should also file against XXXX and Equifax , I filed against XXXX earlier today. This Complaint is against Exquifax and is essentially the same as filed against XXXX and XXXX. 

Complaint against Equifax : My credit reports list XXXX Mortgage with " {$20000.00} past due as of XXXX XXXX XXXX ". This is termed a " serious delinquency '' and implies the loan is open and with payments overdue. It is seriously hurting my credit rating and ability to refinance. ln fact, I have no obligation to XXXX since XXXX. In XXXX, XXXX Bank accepted documentation of that and granted me a jumbo ARM loan. Now l would like to refinance with a Fixed Rate loan but the credit reports by XXXX, Equifax , and XXXX are blocking this effort. The fact are as follows : In XXXX, I co-signed the XXXX loan for my sister, XXXX XXXX in XXXX XXXX XXXX, Minnesota. ln the recession, her pay was reduced. XXXX staff advised that we could restructure the loan slightly so she could make payments. I helped her with several payments as we waited for XXXX to work with us. Rather suddenly, XXXX announced that it was foreclosing. Our case was not isolated. XXXX was found to have wrongly written and made loans, wrongly managed them, and wrongly reported on them by several States Attorney Generals, and in a US District Court. My sister received compensation from XXXX following the state and federal litigation. The total compensation was the equivalent of a few loan payments and trivial compared to losing home by my sister and harm to credit for both of us. She seeks no further compensation and her credit has been largely restored in the past two years. 
However, my credit rating is seriously harmed and I can not qualify for the Fixed Rate Loan I would like to replace my ARM. My preferred potential lender states that even though all of my bills are regularly paid including past and present mortgages, they rely on the credit report ratings which will continue to be hurt by this erroneous report, apparently by XXXX Bank as another example of its sloppy reporting finding of the Federal Court. I need my credit reports clear of this approximately 6 year old charge of a serious delinquency on an outstanding loan. Please help. Thank you
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Seriously Equifax , ca n't you just obey the law and end this back and forth, if you are XXXX that you were wrong, I 'm sure your health insurance has a XXXX to help with that. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have sent you nothing proving these debts are mine. In a call to all XXXX on XXXX XXXX, 2016 they confirmed it. You are breaking the law and I will do everything in my power to get my identity back.
Consumer complaint received 2017-04-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

On XX/XX/XXXX an electronic payment from my bank was submitted to Navient in the amount of {$450.00}. The account was initially XXXX but was changed to Navient. I initiated payments through my bank because of problems in the past when I used their web based payment, with similar issues-NO Payments received. Navient claims they never received the XX/XX/XXXX payment and suggested I contact my bank to see who the payment went to. I contacted XXXX and they confirmed that the electronic payment was made to Navient. I provided Navient a bank copy of the electronic transaction provided below by fax on XX/XX/XXXX, in addition to previous electronic transactions through XX/XX/XXXX. Navient still continues to state that they have not received the payment. See Transaction Below : Payee : Navient, XXXX, Amount : XXXX Payment type : Electronic, FREE_CHECKING, **** Deliver by:XX/XX/XXXX ; Confirmation : XXXX ; Status : Completed
Consumer complaint received 2015-07-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

wrote check to XXXX XXXX XXXX XXXX dated XXXX XXXX, check was cashed on the XXXX from my account at Bank of America, my payroll was deposited on the XXXX. I was charged a overdraft fee of {$35.00}, even though I do not have overdraft protection.
Consumer complaint received 2016-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ORG GC GP BUYER, LLC (MI)

GC Service tacked on {$6000.00} in fees. I feel these added charges are unfair and they make it hard for you too pay your loan over time. I Asked them where the extra fees came from and no one could give me a clear reason. The gentleman I spoke with said it could be some kind of service charge but he was n't sure either. I understand that my loans have to be paid back but it 's not ok to make some pay all these unknown extra fees. I 'm now going through garnishment of wages which is % 15. If I going to pay it back it must be for the right amount.
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MI)

There is an address listed under places that I have lived that is incorrect. " XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX '' is listed as a place that I have lived recently and I have never even stepped into that state let alone lived there.
Consumer complaint received 2017-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sharinn & Lipshie, P.C. (FL)

After their first Levy was removed and before I had time to look into the Judgement against me, another levy, " execution '' dated XX/XX/XXXX was placed on my XXXX XXXX and another {$120.00} was deducted by the bank, now {$250.00} total. Im fortunate to have help from my dad to buy food, the fees really take a bite out of my life! After looking over the documents ( attached ), the judgement was entered on XX/XX/XXXX! Thats the date of my Mothers Passing ( death Cert attached ), I was in XXXX to help my dad from XX/XX/XXXX - XX/XX/XXXX while mom was in the hospital XX/XX/XXXX,. I was not in NY and I did Not receive and or were not served any summons to appear either in personal and or by mail and could not have checked the Validity of the debt in question and the SOL as well, I surely would have answered any summons had I been given the opportunity. I was unaware of any judgement against me from Sharinn Lipshie, XXXX XXXX as Assignee for XXXX XXXX XXXX until they placed the Levy against my account in XX/XX/XXXX ( docs attached ). Id like a reimbursement of at least 1 of the XXXX XXXX fees ( {$120.00} ) and have the Levy, Execution removed from my XXXX XXXX account.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive paid my bill on time with  XXXX   XXXX   XXXX  since I opened the account. I switched banks and could not log in to my account to update my records. I called th em ( after 30 min  on the phone ) finally got access to my account. Put in new info, it did not take the info even though it said it did. several weeks later I get a hit on my credit monitoring saying my account is 30 days late ( mind you I have perfect credit ) this dropped my  credit score   XXXX  points. My feeling is they make it difficult for people to make payments in order to charge late fees and interest. I have been on the phone with these guys for hours trying to work this out and to no avail. On top of this last year they double billed me for an entire months worth of transactions and it took 4 months to get it resolved. If you open an account with these crooks beware. I have paid this account off and it is now closed.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

from my previous case from bank of America ref #  XXXX . all what bank of America did was send the same paper work again for me to fill out. I have done this twice and sent it back to them with all documents requested. they keep sending me the same exact thing over and over again. they never returned calls and they person you get on the phone does n't even know what is going on with your case or how to explain i t.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX   XXXX , Tx I leased a car in  XXXX   2014 . Payments are {$570.00} per month. I have mad e 32 payments all on time. The balance of payments on the 60 month lease adds up to 28. My credit report has a balance of {$30000.00}. If you multiply 28 X   {$570.00} you get {$15000.00}. I believe  XXXX  is committing fraud to make their books look better. My name is  XXXX   XXXX   XXXX  Lease #  XXXX
Consumer complaint received 2015-07-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX account # XXXX Re : XXXX XXXX XXXX refuse to delete this account off credit bureau I have no knowledge of this account therefore i asked them to send me any recent activity and I still have n't received anything as of today just a bill, please let me know what i have to do in my part to help delete it off my report
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (CA)

I have applied for modification for my home several time in last 1 year. My leader had largely ignored my request. This time ( after sitting on my application for 2 months ) they finally responded to my request by asking me for some more paperwork. Which i provided to them on time and they acknowledged that they received it. Then, to my surprise they posted a notice of sale on my door. I called and remained them that they are in violation of the California Homeowners bill of right which clearly states that lenders are not allowed to double track foreclosure and a review for a modification. They said they will look into it. Next day I called to check on the status and they told me that I need XXXX more form. They emailed me the hardship affidavit form to fill out. I immediately completed the form and returned it to them. ( must remind you that this form was a very old 2009 hardship affidavit from which is not required any longer since the new RMA includes it. But, nevertheless, in sprit of cooperating and not wasting time to fight with them, I did as I asked to do ). Next day again, I called to check the status and they told me that they have closed the file and are moving to foreclose on my home. I again reminded them that I have done as they have asked and why did they close the file without review. They told me that they do n't want to work with me or help me and are going to foreclose. 
How could they do that? I thought we lived in a country with laws. I feel that they are discriminating against me because I am XXXX and do not understating many financial matters and do not have financial ability to fight back. I fear that by filing this complaint thru you, they will further retaliate by pushing forward and foreclosing on my home making my children and I homeless. Please help me.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NV)

In response to Case # XXXX. XXXX XXXX did n't read the cover letter or any of the supporting documents that were highlighted! They only responded to a {$5000.00} line of credit I had opened with XXXX XXXX in XX/XX/XXXX. That account was closed in XX/XX/XXXX and was paid off and never late. The account in question, created fraudulently by XXXX XXXX Credit card services in XXXX, was sold to XXXX XXXX and collected my XXXX XXXX XXXX in XX/XX/XXXX ( {$80000.00} ). Their actions violated the Dodd-Frank act and addressed by ( XXXX ). The actions of XXXX XXXX and carried out by the Credit Agencies, caused physical and financial harm over the last 7 yrs. Robo-signed court documents created by XXXX XXXX Lawyers used by credit buyers to sue innocent customers! Please attach to the original complaint. 
-XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Io, Inc. (MD)

My daughter and I have similar names and reside at the same address but have very different social security numbers, I was told by the creditor that is why the debt appeared on my credit report. The debt owed belongs to my daughter not me and needs to be removed off all credit bureau reports pertaining to me as soon as possible. Thanks in advance for the removal.
Consumer complaint received 2015-12-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (PA)

* I was deceptively enrolled into the PayPal Credit Program without my knowledge. 
* I requested the Account be closed - PayPal Credit did not close it for 6 months during which more Fees seemed to accumulate. 
* I was billed erroneously and charged unexplained Late Fees. 
* I requested and was told I would receive documentation on these Fees at least XXXX times - I received nothing. 
* Their Collections people called and offered " pay off '' amounts but would NOT issue a letter indicating the " pay off '' would result in the matter being settled.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

While we are trying to refinance we discovered that all XXXX major credit reporting bureaus had the wrong date recorded for our bankruptcy discharge date. Correct date is XXXX/XXXX/XX/XX/XXXX not XXXX. After sending the supporting court documentation, XXXX and XXXX corrected the information within 48 hours. Experian did not. We even sent additional information to Experian showing the court made a mistake and the court order to vacate the incorrect bankruptcy order as it was an error. Experian still has not fixed the issue. My wife has called 9 times trying to get the issue resolved and explained to them the time crunch regarding our refinance. She has been hung up on, promised a call back on XXXX different occasions ... .which she did not get. There attitude regarding customer service and trying to help us has been rude and very unhelpful. Also there is an incorrect code under the payment history for XXXX XXXX and fairwinds federal credit union. The underwriting department sent us a screen shot showing the incorrect code under payment history ( XXXX ) This is a charge off foreclosure code and not a bankruptcy discharge code. Experian says they ca n't see the code in payment history even though we sent then a screen shot showing it. We are extremely frustrated because they wo n't correct the info even though they verified that they received the forms we sent and the other XXXX agencies did. If it is not corrected ASAP we are not going to be able to close on our refinance in a timely enough matter to stay at a lower interest rate. Also we are concerned that it will not get corrected at all which will further affect our credit.
Consumer complaint received 2016-10-18
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I went to cash my payroll check at XXXX and it was declined they said because of what was reported by Certegy Check Services. I contacted Certegy and got a report the report only states the transaction fell out of the guidelines when I called them to get more clarification they said they use a system and because of that system my check was an at risk check, but they could not give me any specific guidelines as to why. XXXX should not be using a company that will decline people payroll checks because of some system they use that will not disclose why. That company should not reporting anything if they can not disclose specifics that is unfair and unethical.
Consumer complaint received 2015-10-22
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NH)

I have a RUSHCARD through XXXX. I dont have acess to my paycheck. My paycheck waa supposed to go on the card. I can not even get throught to RUSHCARD to have them reverse my money back to my employer to get a papercheck. I just got married and because my paycheck didnt get added to my card oN RUSHCARD end. I lost a weeks pay plus couldnt have a honey moon! Im not happy. I need that momey to live. Just like everyone else who they did this too. I 'm hoping you can help me. I need my paycheck.i 'm canceling this card once I can get through to a person. Can get through to either it rings and hangs up. Or just hangs up. Ive been without pay simce XXXX XXXX. Please help me get justoce against this RUSHCARD!!
Consumer complaint received 2015-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accelerated Financial Solutions, LLC (PA)

These a debt on my credit report stating I owe. I have no knowledge of this debt. It also says I made a payment on this in XXXX of 2012 which I did not. The name of the company is accelerated financial.
Consumer complaint received 2016-04-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc. (GA)

I have received many calls from IC systems. They ask for me but I do not respond I am the person they are looking for. I have repeatedly told them not to call again but they do several times a week. they call from several numbers latest is XXXX XXXX I have blocked them each time they call but then they use a different number
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

RE : XXXX ( Attached ) So far ChexSystems is really digging themselves deeper1. Multiple counts of violations of FCRA, including but not limited to section 623. 
2. Willful noncompliance. 
3. Multiple violations of the Fair And Accurate Reporting Act. 
4.Defamation Of CharacterNo letters have been received in the mail from ChexSystems and if they were sent, please provide USPS certified tracking numbers. All of my letters to them all have been sent via USPS Certified Mail. 

Chex Systems claim they " verified '' the account, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification. Unless you have something bearing my signature on it and have verified my identity, no proof exists. 

I am not going to the police to claim identity fraud until I 've investigated these items myself. I am not claiming identity theft, I am simply asking for proof that I am lawfully entitled to. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please let me know and I will send you an opinion letter from the FTC, ( the XXXX ) letter, specifically addressing the kind of " documentation '' you have sent me. 

The fact that ChexSystems XXXX are resisting proving PROPER proof according to FTC standards is raising other issues, including, but not limited to FCRA 623. 

My request remains..proove it or delete it. 

I am forwarding a copy of this to the following : cc : Office of the Comptroller of the Currency ( OCC ) OCC XXXX XXXX XXXX, XXXX, XXXX. XXXX : XXXX XXXX XXXX XXXX., my attorney XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX