davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (AL)

I was taken to the emergency room at XXXX XXXX XXXX in XXXX TX. on XXXX XXXX, XXXX. I am XXXX Vet, all my medical is paid by the VA. I had confirmed with the VA and XXXX XXXX the bill was paid in full. In XXXX of XXXX I received a collection notice for {$770.00} from Debt Recovery Solutions , LLC XXXX XXXX XXXX, New York XXXX. I immediately called the VA and they confirmed this bill had been paid 5 years ago. The hospital also confirmed the bill was paid. When I called Debt Recovery Solutions the agent was extremely rude in fact hung up on me twice. I called back and asked some questions but the only thing he would say was send a fax proving the bill was paid and hung up. There was no fax number on their notice so I called back and he gave me one. I recently got a notice that there was problems with my credit score and I needed to address this problem. I pulled up my credit report I get once a month from my bank ( XXXX ) and was shocked there were XXXX outstanding amounts in collections, all were from previously paid medical expenses paid in full by the XXXX of witch I also just confirmed paid in full. I have a strong feeling that this company is targeting VA payments that do take some time, over a year to settle up. Through skip tracing methods they can easily find laps periods between XXXX XXXX for Vets and the final resolution of payment by the VA. This example of receiving a collection notice 6 years after services rendered, and after confirmation from the VA. is very troubling and has dropped my score more that XXXX points. Can I get any help with this and my credit scores?
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

On XX/XX/23 USAA Federal Savings Bank ran my credit report. I believe they do not have any permissible reason by law to run my credit report and I'd like to know why they did it. I am not a customer, did not request credit, did not apply for credit and do not bank with them. I believe they violated FCRA laws.
Consumer complaint received 2016-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (NY)

Our mortgage company, XXXX XXXX ( previously owned by XXXX XXXX ) sold our mortgage to Residential Credit Solutions in XXXX, XXXX. Our payments were roughly $ XXXX/month at 9.95 % interest. My husband lost his job in XXXX. We knew our payments were going to be impossible to maintain, so in XXXX, began the process of applying for a modification. XXXX XXXX, and then Residential, made it impossible for us to receive a modification which would make the payments more affordable by continuously delaying the process for about 18 months, then finally gave us a " Supplemental Modification. '' This did not lower the monthly payments, kept the interest rate at 9.95 % and extended our mortgage to 40 years. Since they had already begun sending us foreclosure letters, we had no choice but to accept. We contacted several government agencies and representatives, to include CFPB XXXX XXXX XXXX ( who, by the way, did not listen and were very rude ), and no one would help or listen. I am attaching several documents to support our complaint. After giving up actual living necessities and cashing in our retirement to bring everything up to date, we applied for and received a new variable rate mortgage through a XXXX 2.75 %. Of course, this interest rate will go up ; however, our current monthly mortgage payment is now a little over {$700.00}. We had to incur closing costs, legal and appraisal fees, etc., in addition to the more than {$20000.00} in interest payments over the lifetime of the " modification '' as a result of Residential 's predatory practices and other agencies ' lack of consideration towards us.
Consumer complaint received 2015-06-23
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

I am filing a complaint against Wells Fargo Home Mortgage. When I was XXXX laid off in XX/XX/2013, I informed then of what was occurring. I applied for what I was told were loan modifications XXXX. At the time, I was making attempts to still maintain my mortgage and household with unemployment and substitute XXXX pay. Unfortunately, I was not able to do so and was not able to maintain the "loan modifications". I went through several loan preservation officers and even at XXXX point had to resend all my paperwork, as a result of the same person no longer being as Wells Fargo. I was not approved for another of what I thought was a loan modification and attempted to get assistance through a local foreclosure assistance agency in XXXX North Carolina. Upon not getting approved for that, I returned back to Wells Fargo for assistance and again, the representatives that I was working with changed while I was within the process. I then began working with XXXX I received no calls from Wells Fargo. I reached out to them at the end of XX/XX/XXXX of this year, when I received a letter stating that my house was being sold in auction on XX/XX/XXXX. That is when I reached out to them and shared that I was attempting to work with another agency. The representative that I spoke with initially shared with me that I would need to provide proof of funds to stop the foreclosure until I shared with her that I was working with an agency. I was not informed by the agency or Wells Fargo that I was to take the letter to my local Clerk of Court. The only information that I received from Wells Fargo was that I was to send them the letter and to follow up with them regarding what would happen next. I made attempts to follow up with them prior to the XX/XX/XXXX, yet they were closed and there was no one that could assist me. When I finally spoke to someone after the XX/XX/XXXX and asked to speak to a supervisor, the supervisor on call would not speak to me and in turn shared with the representative that I was speaking with, that I should had called back sooner and despite what the other representative had told me, that I still needed proof of funds because working with a foreclosure agency was not guaranteed approval and that had I followed up, I would had known that the letter was not approved and that the house was indeed sold at auction on the third. I attempted to make a complaint with them then, but instead they transferred me to someone in Senior Management to see if I could get a reversal of the foreclosure and attempt a loan modification. Despite those efforts, it was denied, as the representative XXXX shared that my account was researched and Wells Fargo was not at fault.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

Purposeful misrepresentations, Abusive tactics, Obstructing Hamp modification. 
Applied for XXXX refinance due to lost income. 
1.Green tree representatives, kept pressuring for payments during loan modification approval period, by using abusive language. 
2.Would not give status of modification without payment of past due balance. 
3. Misrepresented that we had to have our payments current for the Hamp review committee to approve our modification4.Would not give name of supervisor when I confronted representative about abusive behavior. 
5. Called XXXX times per day during the Hamp trial period. To tell us that our loan was in default and we needed to pay the outstanding balance.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Im accordance with the fair credit reporting act, XXXX  account XXXX ( XXXX XXXX  ) and XXXX ( XXXX  ) has violated my right to privacy. 15USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A states : A consumer reporting agency can not furnish an account without my written instruction. 15USC 1666B states : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (CA)

I have submitted a complete short sale packet on XX/XX/XXXX2016. Once received the lender ( DI-TECH ) ordered a BPO ( broker price opinion from an REO broker which is in my opinion a conflict of interest as they they are not Licensed or Certified Property Appraisers and are not allowed to make adjustments for repairs. I was then told to get XXXX Estimates from Licensed Contractors in regards to the cost of repairs. I have done all that was requested and submitted to the lender who seems not to know what department is actually handling this short sale. There is an assigned Relationship manager named XXXX whom i have never spoke with and has not tried to make contact. There is a scheduled sale date for XXXX/XXXX/2016. and i am waiting to conform if the sale has been postponed.
Consumer complaint received 2016-05-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION (OK)

Over the course of 4 months i have been consistantly misinformed and charged for for the misinformation. I was told i could get a cheaper insurance through the company and when doing so I discoverd it was not approved for my state and they could not send me any verification or even receipt showing that i had paid insurance. when i tried to get it resolved they informed me that i had a lapse in insurance and now my premium has gone up. in addition to this, when I called to pay they could not even give me an amount to pay, fluctuating between {$750.00} up to {$1200.00}, my orginal payment was {$280.00}. when I inquired about this it took XXXX transfers and speaking to the supervisor to finally get the right information. Now I have all these racked up fees and they have offered me no solution or anything for this misinformation.
Consumer complaint received 2015-09-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I was contacted by ARS about a medical debt that I told them that the veterans admin. was to pay. Second, they put the debt on my credit buerueu without even contacting me by letter or mail. After I called them they were very rude and hung up on me several times after I asked them why this was on my credit .buerua. I was not able to talk to a supervisor and it 's just so frustating to get the run around. I want this off my credit and I am not getting ny answers..
Consumer complaint received 2016-08-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NH)

Santander Bank advertised its XXXX accounts by saying that customers could earn an extra {$20.00} per month " for as long as you own the account ''. This was obviously meant to imply that this was not a temporary promotion. However, about 2 years later, they closed all of the XXXX XXXX accounts and transferred the balances into XXXX of their other products. Their advertising was intentionally deceptive. In addition, after closing my accounts in late XXXX, I realized that they had never credited my account for the last {$20.00} that I was due for the month of XXXX. They admitted their mistake but said that since I had closed my accounts they could not give me the {$20.00} I was due.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TIDEWATER FINANCE COMPANY, INC. (MD)

I sent a letter however, I do no reply. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Tide Water Finance Company '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

During XXXX 2015 I went to XXXX XXXX at XXXX XXXX XXXX ( XXXX, Tel XXXX to purchase a car, they requested credit approval ( Hard Inquiries ) to XXXX Banks or Credit Unions. The XXXX XXXX requested with Reliable was approved in the amount of XXXX. I learned that I had XXXX approved since the day one when I visited " XXXX '' ( The car dealer that sold me the car I have ) " XXXX '' immediately used the Reliable approval and financed the car to me. 
The Credit lady at " XXXX '' told me, BUT XXXX YOU ALREADY HAVE XXXX. APPROVED! and Reliable was the first bank XXXX requested approval from. 
On the other hand I do n't know why XXXX XXXX requested so many approvals without telling me and without my consent!. I was sitting there and they did n't tell me about all these wrongfull moves they were doing. 
I 'm guessing XXXX did n't tell me because they did n't have a used car in that amount. So they went ahead without my approval and requested credit to XXXX other banks. They only asked me if the could call XXXX and A XXXX XXXX in XXXX XXXX, XXXX. The other credit approval requests ( Hard Inquiries ), I did not authorized these. I called that evening and asked XXXX and XXXX XXXX to call Transunion and Delete those credit approval requests that I did n't even knew they were making. They told me that the credit lady said she would call, but never really called Transunion. These Hard Inquiries are showing on my Transunion report and need to be deleted immediately. I swear I called and they told me that they would delete all those Hard Inquiries made without my approval! and maybe if I had already been approved {$9500.00} they should also request deletion of request made to XXXX and to the XXXX XXXX XXXX XXXX. These wrongfully hard inquiries needs to be deleted inmediately. Another phone number I have for XXXX is XXXX. 

When I went to " XXXX XXXX '' within that same week. immediately they checked with Reliable and told me I had XXXX approved alreadyXXXX XXXX XXXX needs to request deletion of these hard inquiries : XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX/XXXX/2015 ; and the approval request to XXXX should also be deleted because even though I approved it, it was done with positive Credit Approval on hand by Reliable Auto!! 
XXXX approved by Reliable was brought to my attention by the Reliable Representative at " XXXX XXXX ''.
Consumer complaint received 2023-08-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I need urgent assistance. I was approved for XXXX from the XXXX  HAF program after being approved for a combo mortgage modification in XX/XX/2023. I received approval modification documents from carrington mortgage that I had to accept, notarized and return back to carrington mortgage. According to my modification documents I had to make my first trial payment by XX/XX/2023. I called to make my payment on XX/XX/2023 and was told by carrington that my modification was canceled. I received the letter in the mail the same day. I was instructed by Carrington Mortgage to resubmit another modification application because according to them my monthly payment would decrease after they received the XXXX. I questioned why I would have to resubmit a second mortgage application when I was already approved and they carrington was already aware of my XXXX HAF approval. 

Carrington cancelled my mortgage modification on XX/XX/2023 the next day after receiving the XXXX which did not make me whole and the reason why I still needed the modification to address the past due arrears and XXXX escrow balances. 

I send a couple of follow up emails requesting a status check and to make sure I would not have to resubmit another application since I submitted a second HAF application for additional funds. On XX/XX/2023. I was told by carrington that the reason they denied me was because of the XXXX  HAF terms and guidelines could not be met and they informed me that they returned the XXXX back to HAF. I dont know why they would return the money and put me back in a worst position than I was in before resubmitting the second application. I dont know what to do. 

Carrington denied my second mortgage modification application and I provided the exact same information that landed me the first approval. I received an email from HAF stating I could apply for additional funds XXXX and I submitted a second HAF application which was denied because Carrington denied the second modification that they instructed me to submit to lower my payments.

They filed for foreclosure on my home. I resubmitted a third modification application with carrington.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a identify theft victim and all my credit reports have a identify theft alert on them. My credit file also had an opt-out for promotional inquiries. This is evident from 2 of my other credit reports XXXX & XXXX. 

I recently requested for my credit report from all 3 agencies. I received my TransUnion report added XX/XX/2017 and was alarmed that they they opted me in for promotional inquiries without my consent. 

Yesterday XX/XX/2017, I called TransUnion to opt-out of promotional inquiries because i had opted-out earlier when implementing my fraud alert and was surprised by this violation. Over the 2 years I have been harassed by credit ( e.g., XXXX ) and other insurance offers but I had no idea why. 

When I called, they redirected my calls from one dep. to the other, transferring me to their Fraud Alert Dept. XXXX, assigning new File # XXXX, escalating to supervisors and giving me a run around just so I may not be able to opt-out of promotional inquiries. Instead of identifying me accurately and making an update they harassed me so that they can make money by selling my data against my will. 

As a result of their violation, them have sold my data and personal details, address info which makes me a target of credit offers and identify theft. Promotional inquiring companies may have created 3-party databases and selling my data on the free market without my consent. This is major risk to my credit file and data contained therein. 

The request was simple -- I needed to opt-out of Promotional Inquiries. But they went through extraordinary measures to prevent a fraudulent update of just of my opt-out request. I was n't impersonating anyone or asking for new credit. TransUnion was very opposed to my update and fought me and harassed me so that they can continue to sell my credit data. 

Their motive was simple. They make money on promotional inquiries even though these soft requests do not affect my credit score. But that is no reason to violate my privacy and my credit file without my consent. 

I left a message yesterday and they did not call back. Only around XXXX on XXXX XXXX did I get a call and a voicemail. Once again asking me to call them back.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report
Consumer complaint received 2015-04-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Moxley & Associates, LLC (TN)

I received notice that my wages are being garnished. I received no paperwork concerning the " judgement '' that was issued. It was my understanding that I was to be served paperwork concerning the judgement. To this day, the only paperwork I received was from employer informing me of this garnishment. I do believe that the garnishment is illegal since no judgement paperwork was never served on me at either my residence or place of employment
Consumer complaint received 2015-11-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I appreciate partial Lien release received XXXX 2015 - I am requesting full release to be filed in county recorders. I sent letter XXXX XXXX, 2015 - acknowledgement of letter has not been received. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CaliforniaZip Code XXXXRe : XXXX XXXX, vs. Ally Financial and General Motors Auto Credit, et al., Dear XXXX XXXX, XXXX. : Responding to your letter of XXXX XXXX, 2015, your are aware that any action against the property of a debtor, who has initiated proceedings under any chapter of the United States Bankruptcy Code, especially actions which affect any interest the debtor has or may have in that property, are void regardless of actual notice of the Bankruptcy proceedings by the creditor. The XXXX Chevrolet Corvette in question, is listed as an asset in my Bankruptcy proceedings and the loan pertaining to its purchase and the judgment obtain for its possession are listed as liabilities on my Bankruptcy Schedules of Assets and Debts, and all relevant parties received actual notice of the pendency of the proceedings. 

There is now pending a request to reopen my Chapter XXXX Bankruptcy proceedings to address your clients knowing and willful violation of the provisions of the automatic stay of the Bankruptcy Code. I demand that the vehicle in question be immediately remitted to my possession on or before XXXX XXXX, 2015. If not I will consult legal counsel regarding the appropriate action to be taken to compel the turnover of this property of my estate or for such damages as I may be entitled.
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NE)

All XXXX credit reporting bureaus ( Equifax , XXXX, XXXX ) ask me security questions which do not pertain to me. When I answer them as 'none of the above ', they say they can not provide my reports online. When sending in their requested verification info, I get a letter saying that they can not provide me with my reports. THIS MAKES ME VERY CONCERNED ABOUT WHAT IS IN MY CREDIT RATING ( errors, fraudulent activity, etc ). By law, they have to provide me with my annual credit report but have refused to do so for numerous years. THIS HAS TO STOP, I NEED MY CREDIT REPORTS!!!