davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (OR)

I am a Realtor representing a seller in a short sale. When we started this process 2 years ago, the lender was XXXX XXXX XXXX who subsequently service released to XXXX, subsequently they service released to XXXX who service released to GreenTree who was taken over by DItech. We have submitted all of our paperwork multiple times, and the delays that are deliberate have killed several potential sales. The company DItech, has been deliberately dragging their feet and avoiding processing our short sale packet, and as we have obtained a new higher offer, they have announced that they are service releasing, but not until the foreclosure goes through. 
All we are asking for is that the banks comply with the terms of their settlement, and actually review short sale packets in a timely manner, without service releasing when it becomes obvious that a short sale is the best solution for the borrower, and the property. 
We have been watching first hand the corporate agenda to take advantage of XXXX XXXX for their bottom line. The practice has n't changed and wo n't until they cause another collapse with their un-checked greed. I am working very hard to save someone 's credit life, and all we seek is the oversight to ensure the banks give our short sale packet a fair chance at unbiased review.
Consumer complaint received 2015-03-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (AL)

This Debt was is not owed and listed under XXXX of XXXX and I am on XXXX and all labs are paid for each visit and I talk to lab first and they said all my debt was paid in full, but the collection company Medical Data Systems Inc wo n't take this off my credit report and I have called them to get them to call the creditor and they want do it and I ca n't get them to do their job by checking information correctly because it appears on my credit report.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I noticed a collection account in the amount of {$700.00} on my Experian credit report from XXXX I never had a account with XXXX I reach out directly to them in filed a identity theft report & also filed a police report last year that I sent to all 3 credit bureaus.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2016-09-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: GMA Investments, LLC (WI)

Consumer Name : XXXX XXXX Reference No : XXXX XXXX Account Status : Forward to Summit Receivables Original Account No : XXXX Original Creditor : XXXX I took out an unsecured online installment loan from XXXX XX/XX/XXXX I recall which i have subsequently been unable to pay and the loan is in default ; XXXX transferred/sold the loan to XXXX - I have been negotiating in good faith with XXXX for several months and have offered payment in full versus taking a discounted settlement but the issue is length of time - I need 48 months at a minimum. XXXX had accepted the 48 month arrangement, then reneged on it - purportedly because I failed to make the 1st payment with 5-8 days from the accepted online agreement. But, when I went online to make that 1st payment, the account was listed as " still negotiating ''. When I attempted to submit the aforementioned exact same online agreement, XXXX rejected it and the loan has been in limbo ever since - about 3-4 months. Today, XX/XX/XXXX, I received a call from a lady saying she was with Summit Receivable. She initially was trying to reach XXXX XXXX XXXX - a company I had previously worked for. When I told her I used to work there and can I help her, she then wanted to know if I knew how to reach XXXX XXXX. When I replied it is I who you are speaking to, she then wanted to verify my ID by asking for DOB information. I resisted but decided to provide since I was curious as to what she was doing. She then said she was with Summit Receivable and was calling about XXXX and wanted to know if I was able to pay it. I responded that before we discuss anything, I first wanted her identity, her company name and address and contact information and also a debt verification letter. She responded that the company has provided that before and when I pressed by saying that I just wanted to make sure I was n't falling for a scam trap, she became sarcastic and rude saying " like when you took out all these loans ''. I replied that I will be filing a complaint with the CFPB at which point she simply hung up on me. After that call, I emailed XXXX and requested status of my account. XXXX emailed a reply back indicating that Summit Receivable had been assigned to collect on this account. Other than that email which I had to initiate, I received NO prior warning or information regarding that. Also, a person also reached out to one of my references on the XXXX loan looking for my contact information and indicated they were a debt collector - a clear violation of the law. My reference contacted me and informed me of this attempt. What is especially troubling is that XXXX has had numerous contacts with me - phone, fax and email and I have given them permission to contact me using any of those mediums. I would have assumed that if XXXX had transferred collection of the account, the contact information would have been provided to their new representative.
Consumer complaint received 2016-05-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAINE & WEINER COMPANY, INC. (MA)

In XXXX, XXXX I received an email thanking me for a recent purchase from my XXXX XXXX credit card. I immediately contacted XXXX XXXX and filed a fraud complaint. I live in MA and the purchase was made in XXXX for a camera ... .clearly not mine. In XXXX, XXXX XXXX XXXX deemed it fraud and canceled my XXXX XXXX credit card and issued me a new XXXX. I received the letter from them as well stating the investigation was closed and the charges were removed etc. I did n't hear anything again, until last week. A man named XXXX called me from a cell number after XXXX. I was shocked as he informed me he was collecting a debt on behalf of XXXX XXXX. I proceeded to explain to this man what happened and he said basically, it does n't matter what your telling me, unless you have a POLICE REPORT, I will continue to call you until I collect this debt etc. He was RUDE, RUDE, RUDE, my blood was boiling! I told him I had a letter from them, he said the letter means nothing, get a police report. He stated they had been sending collection bills to me to which I said, " XXXX if I had gotten a collection letter on this, I would 've called immediately, this is NOT MY DEBT, it was fraud. '' He then asked my XXXX XXXX and I told him, bad mistake ... guess what I got yesterday? A collection letter. I have spent the last week and today on the phone with XXXXbank who owns the XXXX XXXX credit card. They have no idea how or why any collections would or could happen as this was NEVER sent to any collection company. They sent the letter stating I was not responsible and advised me to contact you. I am afraid to send any information to this company collection ... ... I am afraid who they are and how they got ANY information and the man was harrassing threatening and rude. I should n't be treated like that.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

My mortgage was transferred to GreenTree Servicing when XXXX XXXX XXXX was told they had too many mortgages after merging with XXXX. Since then I have received numerous harassing phone calls telling me my mortgage is past due. That is not true. In fact, I always pay EARLY as I was told to do when buying my first home. I have emailed them, asked for a supervisor to take over my account, etc ... ..and they STILL keep calling. I was so angry with them today that I started searching online and surprise - I 'm not the only person they are abusing. I would appreciate any help you can give me. It seems very unfair to be harassed while paying my mortgage EARLY - every month.
Consumer complaint received 2016-03-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (OH)

Received letter dated XXXX XXXX 2016, XXXX XXXX XXXX, Amount {$1200.00} I called the company demanding original creditor information and who the account belonged to. They could not provide any information about the debt at all. 

I sent a certified letter demanding validation of the debt with no response to this date. 

I disputed with CRA 's but Commonwealth is affirming the debt. 
This is fraudulent and needs to be removed from my CRA 's immediately.
Consumer complaint received 2016-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (NC)

Calls more than 6 times a day. I answered twice and let her know I was aware of what I owe. Please stop calling and then I hung up but they continue to call ( all day long XXXX to XXXX several times ).
Consumer complaint received 2015-08-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My mother had a checking account and two savings accounts with Bank of America. When she died, my brother informed the bank and provided a copy of the death certificate. Each account had a payable on death beneficiary. The bank 's initial response to my brother ( who had held power of attorney prior to my mother 's death ), was that they would " reach out to each of the beneficiaries. When none of us received any word from B of A, my brother again inquired and was told we needed to provide court documents that are unnecessary, as all my mother 's assets were available as non-probate transfer. I went to a local B of A banking center, where, after an hour and a phone call by the associate to corporate that was transferred from one person to another, I was finally given forms that needed to be completed, notarized, and returned to the bank. When I returned my form today, a different associate indicated that what I had been given was not the complete form, but did not indicate what was missing. She also insisted that my brother her call her ( my brother lives in XXXX, while I am in XXXX of which my mother was also a resident ), but refused to say why he needed to call. When he called, he could not speak to her and left his phone number, but did not receive a return call. We are very frustrated with the length of time it is taking to close out these accounts and access the funds, which we need to pay my mother 's final expenses.
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AL)

The lender is denying the clients mod review due to them stating that they can afford the current pmt - The clients had a loss of income and could not comply with the terms of previous mod approvals - requested the lender to take into account that the client now has the income to support a mod and the willingness to comply with the terms they set forth - The lender has stated that the client has reached the number of approved mod that are allowed - The guidelines do not have a limit to which the clients can be approved for a mod -
Consumer complaint received 2017-02-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

My loan is with Ocwen loan number XXXX, and there is a foreclosure sale for XX/XX/XXXX-i am desperately asking for you to help me keep my home. 
i have been calling Ocwen to ask for help to apply for a loan modification and every time i call i speak with different agents telling me to send an application. I was approved for a modification in XX/XX/XXXX but i did not accept it because the payment was very high and the gave me a balloon payment of almost XXXX dollars. i callled and an agent told me to send a loan application but when i faxed it and called to see if they received it they told me no and that they could not help me to keep my home. Please help me so that i can have the opportunity to apply for another modification and i also asked for a repayment plan i am trying to get some money to make arrangements.
Consumer complaint received 2016-10-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo issued me a final credit on a disputed charge in XXXX 2015 then two days before XXXX they reversed that final credit leaving me with no money for XXXX. They have reopened my claim yet fail to do anything or refund my money.
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I have a savings and checking account with Wells Fargo. Over the course of 2 to 3 years I have paid my XXXX XXXX statement with my debit card from said bank. 

When I pay the $ XXXX amount, that is withdrawn from my bank and my checking account balance reflects this. One or two days will pass and the $ XXXX will appear back in my account, but not as a deposit. Instead, it will appear as if the money was never withdrawn in the first place. This shows an inaccurate balance on my checking account and thus leads to overdraft fees. This would not normally be an issue, but the amount in question will not show as cleared on the final date days later ; it will actually show as if it cleared the very first day. 

During the most recent instance, Wells Fargo Bank has charged XXXX overdraft fees of {$35.00} each for a total of {$70.00}. These fees were not for debit card transactions, but rather for transfers within my own account.
Consumer complaint received 2016-10-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Revenue Corporation (TX)

This debt was paid through my insurance and I have called United Revenue Corp several times to explain this to no avail. I have disputed this with all XXXX credit bureaus with no success because URC keeps reporting this as accurate data when it is not even owed to them. I also sent URC a debt validation letter and they never responded to my request but they signed the green card showing that the received the validation request over 60 days ago.
Consumer complaint received 2015-07-16
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, Specialized Loan Services, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now Specialized Loan Services ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale.
Consumer complaint received 2016-10-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC (TX)

I have disputed this item several times with no success of this item coming off my XXXX credit report. I have had it removed from XXXX because the debt is not mine. this is very frustrating as I am trying to purchase a home and have debt that is not mine on my credit report that is affecting my credit score.
Consumer complaint received 2015-05-18
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENOVA INTERNATIONAL, INC. (VA)

My name is XXXX XXXX and this is in regards to my my brother, XXXX XXXX, who took a payday loan out with Cash Net USA in XXXX XXXX according to XXXX XXXX with Cash Net USA who provided me this information today XXXX XXXX, XXXX because he was thinking I am XXXX. XXXX XXXX never paid the loan back, and since he gave my name and number and my sisters names and numbers on the application, Cash Net USA and a private locator by the name of XXXX XXXX that they have hired, have been calling us and harassing us about the loan. XXXX XXXX leaves threatening messages stating that the message is for XXXX XXXX and that if they do n't get in touch with XXXX that they will have to take legal action in court. From that message, anyone listening to it can tell it is regarding a debt. Those messages are embarrassing to us and we do n't want our children or spouses have to listen to those types of messages left on voicemails. We never gave Cash Net USA or XXXX XXXX authorization to provide our phone numbers on the application. That was done without our authorization. We have nothing to do with this debt and Cash Net USA and any individuals, like XXXX XXXX, that they have hired, should not be calling us at all or discussing the account with us at all that they have done. We do not have anything to do with XXXX XXXX as we do not speak with him and do n't want anything to do with him. All of us have been estranged from him since XXXX.
Consumer complaint received 2016-10-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: NAVY FEDERAL CREDIT UNION (NY)

I really need someone to assist me because I have been going through this for years with absolutely no assistance. I am a victim of identity theft. I worked at a company where the personnel who gave me my separation papers mistakenly provided me with another person 's information partially with mine as well as provided my information to this other person ; we both have the same first and last name, different middle name. This person used my information to open accounts as well as go to the extent to use my name and social security # when he went to jail. I had thought that this whole debacle had been cleared up on my credit report, but now that I am seeing it again, I know that it has not been. I am including my letters to the bureaus as well as my identification and affidavit. I was not able to obtain a police report. When I went in to the station to file one, the officers laughed at me, stated they " do n't give a crap about something that happened in Virginia '' and would n't make a report for me. I do not have the option to file one online, either as my area does not allow for that. 
I 've disputed this with the bureaus and creditors in the past and have received no assistance. 
As for the NFCU account, I did not open or authorize this account and I have no knowledge in regards to it. I notified them as well and nothing happened ; this is the same result from the credit bureaus. 
The accounts and inquiries in dispute are listed on the letters that I have attached.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WI)

Ever since Navient took over for XXXX XXXX I have had issues. Navient has talked me into forbearance and defferment for years. Now my loan has majorly increased. I can not pay my loans due to making hardly any money. They give me no options but to keep putting it off. I recently went into a state with no forbearance time left and they gave me no other options but to consolidate. I see University XXXX XXXX has been sued for fraudelent claims to get loans and now Navient too? I would like to know what my options are at this point because I am drowning with no choice. Both being sued makes me feel as if I was totally in the middle of fraud. University XXXX would not allow me to finish my last XXXX classes to even finish my degree.