davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

Ditech is the servicer on my mortgage loan. I have not had an escrow account in years. I paid my  taxes in full the end of  XXXX  for the full year of   XXXX  . Ditech sent me a statement on  XX/XX/XXXX  and attached an escrow account and billed me for it. By law they are not allowed to do this unless I am delinquent on taxes or insurance. I am not. My mortgage payment on my loan terms is {$640.00}. I have automatic withdraws on my bank account and they are taking {$970.00} a month. I called on     XXXX   XXXX   XXXX     when I realized what happened. I spoke with  XXXX  in the  Tax Dep artment. She said it would be corrected in  5-7 days. S he admitted that they made a mistake and paid  XXXX   county  my taxes for   XXXX  . I faxed them on the same day proof I paid my taxes to  XXXX . I received confirmation they received this. In   XXXX  , they charged me the correct amount of {$640.00}. On  XX/XX/XXXX  I called again and spoke with a  manager  named  XXXX . These calls are recorded by the way. She said there were waiting for a refund from  XXXX  county before the refunded my money and quit charging me for an escrow account. She mentioned it was their mistake as well. However,   XXXX   and   XXXX   they took {$970.00} again. I called back on   XXXX   and spoke with  XXXX   XXXX  in the tax department of  Ditech a nd his  manager   XXXX . They both promised it would be resolved in a few days as well. Now they are taking {$810.00} out of my account. This is the  XXXX  month that I 've had to take an hour out of my day to call and try and get them to stop taking my money. This is illegal and it 's not my fault that they made a mistake and paid my taxes. My loan terms clearly state that I do not have an escrow account. I 'm frustrated, want my money back with interest and want them to stop taking money from my bank account illegally. I can n ot imagine how many other people they have done this to. I 'm sure I 'm not the only one.
Consumer complaint received 2017-05-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

That my wife and I are victims of predatory lending practices, and naive/gullible targets of   XXXX   home mortgage scams. The unscrupulous methods of lenders compelled us to file chapter  XXXX  bankruptcy that ultimately lead to our property put on short-sale/foreclosure.   In addition, the property is no longer in our possession and has been physically occupied by Carrington Mortgage services of  XXXX , California.  Carrington  Mortgage has been lackadaisical in dealing with entire issue especially getting our names off the deed. Such that utility companies and home association stop sending bills for utilities some of which already been turned over to collection agencies destroying our good credit.   In the past year or so,  Carrington  employees  (   XXXX   XXXX  or  XXXX   XXXX   XXXX  ) have been contacted by phone, email and fax and advised to have our names removed from deed. Also utility bills have been forwarded from time to time and they instructed to have home insurance updated in the company name.   Utility companies and their collection agencies advised to forward future bills to Carrington for direct payment.   Since Carrington also broke into the property,  XXXX   XXXX  sheriff office was also made aware of the development
Consumer complaint received 2017-05-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (FL) (GA)

On  XXXX   XXXX , I contact AR Resources  ( Add ress :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , PA  XXXX  Phone : (  XXXX  )  XXXX  ) to request documentation regarding  XXXX  charges they posted to  XXXX ,  XXXX , and  XXXX . I did, however, provide the  XXXX  account numbers appearing my credit report, and the agent stopped me after the  XXXX  digit and confirmed the account numbers are not real. I responded, then why is AR Resources provided fake account numbers to the credit bureaus, me, and everyone else with access to my credit file, and I was informed that they would not discuss the matter with me unless divulge my full social security number. The rep told me they already have it anyway because that is how they were able to post the accounts to the credit bureaus, and I told him, I do not think it is proper for me discuss anything without ( a ) an explanation in hand on what I am being charged for and why, ( b ) and that I personally aware of how things can be reported with inaccurate socials, DOB, and names.     I also informed them that the debt was covered under a  Letter of Protection accepted by the original creditor, and I am in constant communication with  my attorney who has not informed me that my case is closed, or of his unwillingness to continue representing me.     Additionally, health insurance was provided at my initial visit to the actual creditor :  XXXX   XXXX   XXXX  and  XXXX  (  XXXX  ). Neither  XXXX , or AR  Resources  attempted to contact me regarding the debt, though my address and phone numbers are in my credit file, and the date of service was actually in  XXXX , but they are falsely indicating that the account open date is  XXXX / XXXX / XXXX .
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (FL)

In  XXXX   XXXX , we filed a complaint with the  Consumer Protection Agency  against  Ocwen  Mortgage. The  CPA t ook the case and got involve d ( CFPB Case No.   XXXX  ). On   XXXX   XXXX   XXXX  , we received a letter from Ocwen, who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting for over  two  years that our payment was late and were charging us late fees. We thank the  XXXX  for their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on    XXXX   XXXX   XXXX    and the loan with Ocwen was subsequently paid off. I have copies of all documents relating to this loan payoff. In Ocwen 's   XXXX   XXXX   XXXX     letter they state that they are going to contact  XXXX  and  XXXX  to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX  's credit report still shows an open loan to Ocwen in the amount of $  XXXX . We recently applied for a loan with  XXXX   XXXX   XXXX  Bank and were rejected because of the  Ocwen  mark on the credit report. I have tried to reach out to Ocwen to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX  's credit and hindering us from getting a loan. Thank you.
Consumer complaint received 2017-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (TX)

Continued attempt to collect debt not owed. I do n't owe any medical bills and had   XXXX   on the date this collection opened. I have disputed this information prior and this error continues to be reported inaccurately on my credit reports.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (KY)

XX/XX/2022 - sent email to XXXX XXXX XXXX To date, I have records of factual documentation where XXXX XXXX XXXX has made absolutely no effort to rectify this situation and has continuously and very aggressively acted in bad faith to breach my personal and private data. 

Please see attached.
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cawley & Bergmann, LLP (NY)

I am opening another complaint again Cawley & Bergmann , LLC. My previous complaint ( Complaint ID XXXX ) was " resolved '' when Cawley and Bergmann uploaded a letter intended for a different person for a completely separate complaint. I am not surprised to find that they have multiple complaints against them, and this further proves their lack of professionalism and follow through to make sure they are dealing with the correct person. Back between the years of XXXX my name was used in an online Ponzi  scheme called XXXX XXXX  XXXX In XXXX  I received a letter from a debt collection agency Cawley and Bergmann LLC supposedly to collect a court ruled fine. They only ever contacted me by mail. I continued to receive letters periodically. They showed up in different envelopes, printed differently, and different looking letterheads. They did not look official or professional in any way. The letters talked about my involvement in a Ponzi scheme I had never heard of, and a court case I had also never heard of nor been subpoenaed for. To date I have never received any court documents of any kind proving my involvement. I assumed the letters were a scam. At the end of XXXX of this year I received a letter from the local sheriff 's department stating that the above listed debt collector was using them to enforce the collection. I contacted Cawley and Bergmann and tried to get more information stating I was not involved and have not been shown any proof of the contrary. They told me to XXXX it and that they could not help me. When I suggested that someone else had used my name, they did not care that it was even a possibility. In May I received notification from my payroll department that the sheriff is enforcing a garnishment of my wages to pay for this debt that is not mine. I have recently filed an identity theft claim ( reference # XXXX ) and now a second complaint with the Consumer Financial Protection Bureau. I have never been provided any proof of my involvement other than my name listed in a PDF on a random website. Someone either used my name to create an account on this XXXX  XXXX  website, or it is possible this was something done by my late father with whom I share my name. Either way I should not be forced to pay for this court fine. I am also continuing to seek legal advice in this matter.
Consumer complaint received 2023-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 davs and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal proteccin consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete accounts listed IMMEDIATELY! 

CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd ()

I have been using Transferwise to send money from my XXXX XXXX  account to friends and my family. I have been using this platform from past 2 years. However, they suddenly deactivated my account without any reason. As per their request, I have again submitted verification documents and also sent an appeal. They kept me waiting for 42 days and after that they replied that they have upheld their decision and my account will kept deactivated. This was the worst experience with a XXXX company like Transferwise. I'm attaching a screenshot of my last transaction made by me from Transferwise after which my account was deactivated. Atleast they could have proved any alllegation if i have done something illegal or conduct of companies policy.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-25
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. (MA)

On XX/XX/XXXX I report fraud on my XXXX XXXX XXXX  ; Investigation was initiated. They cancelled old card, issued new card ; and waived the fraud charges ( see copy of email uploaded ). I have sent two certified letters now to XXXX credit Bureau to correct that information and a third letter being sent tomorrow XX/XX/XXXX but they correct it and then a week or so later they deduct my points referencing the same fraudulent credit card. I have sent them activity summary provided by XXXX  ( see uploaded copy ), but again they have not addressed that issue.
Consumer complaint received 2023-10-08
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. (CT)

I sent the documents Experian required as listed One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc.

Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years ( an official report filed with an appropriate federal, state, or local law enforcement agency, including the Federal Trade Commission or the U.S. Postal Inspection Service or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false All was sent, as requested and they continue to say they did not receive the documents which are attached again to this complaint. 

An Experian rep started screaming at me on the phone for no reason. Every time I call to ask for a supervisor they get upset, claim one will call or they put me on hold and hang the phone up on me. Experian is not a reputable credit company. No company should give so many problems, it's unusual. 

Its against the law for them to publish accounts in dispute, this account has been in dispute for months, and they keep harming my credit score reporting it. I think it's because I'm a XXXX American, they feel as though they can harm me and get away with it. I have all the reports to prove what I'm saying and will be filing suit against experian over this issue.

My credit score was XXXX now its XXXX because of a false account that experian has received all documents requested to remove as well as my formal request to remove it. 

They are not a credible company anymore.. They just continue to lie while harming my financial record and wasting my time. 

No supervisor has called, nothing they say is accurate, and its been XXXX weeks, in which time I requested a call no one has called.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CT)

zero interest agreement with Synchrony bank through Mattress Firm purchase initiated in XX/XX/XXXX first payment of {$85.00} began in XXXX. 
XXXX payment was 2 days late. Late fee charged {$30.00}. The minimum payment, due XX/XX/XXXX which is unknown until the statement closes at the end of the month, went from {$85.00} to {$110.00} without my knowledge. Made two payments in XXXX of {$100.00} and {$110.00} assuming that would take care of these fees. In XXXX, {$15.00} of the late fee was separately charged as 'late ', another {$41.00} late fee was levied and a minimum interest charge of {$2.00} was added to the balance. Minimum payment increased to XXXX on XXXX closing statement, and they started charging interest of {$2.00} and the {$15.00} late fee carried over SEPARATELY as still late. Called them about this, and they told me I had to pay the {$15.00} late fee separately to stop this from happening. I paid it immediately by phone with them. Then I asked them to remove the late fee of {$41.00} and stop the interest charges, which they did. I also asked what the new minimum payment would be after all of this, and they could not tell me. I have to wait for the statement for XXXX, which closes at the end of XXXX AFTER the payment is due. I have no idea how to get this under control and what my payment will be for XXXX. This is unfair and deceptive practice by Synchrony bank. 
To summarize, they took my extra payment of {$110.00} and paid XXXX of the {$30.00} late fee. Then they called the remaining late fee balance of {$15.00} overdue and charged another late fee the following month, and began charging interest on the loan.
Consumer complaint received 2023-03-17
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. (NY)

XXXX XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX XXXX to share my information with a non affiliate third party. The Gramm Leach Bliley Act 15 USC 6801 Says that a financial institution is not suppose to share nonpublic personal information to a third party. XXXX XXXX XXXX is furnishing " Charge Off '' accounts onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a Credit report. XXXX XXXX XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specific remedy that i am invoking. The telecommunication through any and all mediums would be telephone, email, social media and any consumer report. This Notice is pursuant to 15 USC 1692c. The Term communication pursuant 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt directly onto my consumer report which is a form of communication and i need this charge off account removed. This is als a direct violation of 15 USC 1992d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation i am entitled to compensation as per USC 1692 ( k ) of monetary relief of ( {$1000.00} ).
Consumer complaint received 2017-05-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION (CA)

Payments for my mortg age to Zions National bank were consistently paid and NEVER LATE. I fell behind in my taxes and asked Zions National bank to impound my taxes with my mortgage payments and they refused to do so. Zions National bank continued to accept my mortgage payments which I increased from {$4900.00} to {$6100.00} to cover the rearages of my taxes. Zions National Bank accepted my payments and then foreclosed any way and violated their contractual obligations to render payments to the taxing authorities and did not act in Good Faith.Zions National Bank admitted that they took the additional monthly sum for the past 15 months and applied it towa rds the principal to buy down the mortgage, rather than apply these amounts to my taxes..I hired  XXXX   XXXX , attorney and they foreclosed even though they kept accepting my increased payment of {$6100.00} and stated the foreclosure would be suspended I also contacted  XXXX   XXXX ,  the District Repr esentative for Congressman  XXXX   XXXX   XXXX  an d asked for their help.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.