davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (NY)

My mortgage was bought by M & T Bank a few years ago. I had problems making payments for past few months. I reached out to M & T Bank. The options which they gave me only would cost me more money. In   XXXX   I applied for refinancing with another company. Every thing went well. On   XXXX   XXXX  , M & T Bank advised new lender that payoff for mortgage was {$70000.00}. This payment was for money due M & T Bank from   XXXX   through   XXXX  .
On  X/XX/17  a payment of {$1200.00} was cashed by M & T Bank. This payment was my late payment for month of   XXXX   XXXX  . M & T Bank received two payments for the month of   XXXX   XXXX   Both new lender and M & T told me that Payment of {$70000.00} was received by M & T  Bank on   XXXX   XXXX  
On   XXXX   I was informed by   XXXX   XXXX    of M & T Bank that M & T Bank had received payment of {$70000.00}. I asked about the payment of {$1200.00}. She said that money had been sent to us.
I was not satisfied with previous information and I called again M & T Bank. The last call l made I spoke to  XXXX . I asked him how to make a complaint. He took internal M & T Bank complaint. I called earlier this week and again   was given the runaround.
Consumer complaint received 2024-07-17
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. (TN)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (VA)

I submitted a complaint prior to the practice o f Ditech and received nothing to say if a case was submitted. Ditech  has been conducting unfair collection practices on a loan that has never been in default. Until   XX/XX/XXXX   Ditech was receiving payments eve ry 14 d ays and not applying payments to principle or payments- they allege that the payment  sent ( whic h was {$500.00} every  14 days ) was a partial payment and that their policy is to hold partial payments until full payments are received to apply. They never did that. They were called every 2 w eeks from   XX/XX/XXXX  to  XX/XX/XXXX     when payments were not being applied correctly causing late fees to be assessed. After involving the IRS and   XXXX   XXXX   they reallocated the funds from the start of the loan. On  XX/XX/XXXX , I  spoke with a director and a representative from loan processing and told my loan was prepaid until   XX/XX/XXXX   However, when the re- allocation was done, it was done incorrectly causing the loan to go in default. This prompted a visit from a  Ditech  representative leaving notice on my door on   XX/XX/XXXX     and to receive to collection notices on the  XX/XX/XXXX   and  XX/XX/XXXX - I  urge you to refer to recent compliant filed on  XX/XX/XXXX   -  XXXX . As of recent, my mortgage insurance company contacted me to make me aware of c hanges made to my coverage. They sates and supplied that mortgagee now reflects Ditech Financial LLC, its affiliate, and or Assigns. An ainquiry was immediately sent to Ditech because in    XX/XX/XXXX     Ditech sent a privacy letter stating that my social security number could be shared  with any of their affiliates. I immediately served a cease and desist of disclosing any of my personal information only to   XXXX   XXXX   the owner of the loan and no one else.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To Whom it May Concern : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing 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 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 Miscellaneous XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies 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 Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESSS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX ,  XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS    XXXX   XXXX   XXXX   XXXX  ,    XXXX , FL  XXXX   XXXX / XXXX / XXXX  To Whom it  May Co ncern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX     XXXX     XXXX   XXXX   XXXX     XXXX , GA  XXXX    XXXX   XXXX       XXXX   XXXX   XXXX      XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing  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   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  Miscellaneous  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX . Agencies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX . Agencies   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  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , Tire Dealers   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing   XXXX   XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS    XXXX   XXXX   XXXX   XXXX  ,   XXXX , FL  XXXX
Consumer complaint received 2017-05-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Financial Credit Service, Inc. (NC)

On  XXXX / XXXX / XXXX  I received several phone calls from a number I did not recognize  XXXX   XXXX   XXXX   XXXX . I called and gave the person that answered the phone my name ; company identified as  ARA.  They transferred me to someone that called me by my maiden last name and repeated to me my full social security number. They asked if I had  a MasterCard wit h an outstanding balance of $  XXXX . I told them I did not know what they were talking about and from when. I was transferred again to a  XXXX   XXXX  who informed me that she was collecting a debt from a MC from  XXXX  and that if I did not pay they were filing a lien on me i n the county that I lived in and liens against all of my credit cards ( Naming my credit cards and the li mits on each ). I explained that I paid off this debt and I had the proof at home, that I was currently at work. She said she could only hold the account for  24 hours. I said this was the first I have heard about this and how can she lien me when I have heard nothing about this. She said that they would only give me 24 hours before they started garnishing my wages. I told her that I would get my attorney on th e phone and they could speak to her and she said ok. When I attempted to give her the name and number of my attorney she said she could not speak to her and my attorney needed to call  XXXX   XXXX . I had my attorney call the company and they said they were unable to speak to her and requested her bar number. They said I could call back and give her permission to speak to them or fax them a verification. My attorney advised me not to call these people back and after research we have found that they are scammers. They had all of my personal information including my complete social security number and they fraudulently demanded payment on a debt that was paid.
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MN)

We had an original sheriff sale ( Ocwen Loan Servicing ) date of   X/XX/16   and the notice was published on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XX/XX/XXXX ,   XXXX   &  XX/XX/XXXX . We had the property ( in the family for   XXXX   years ) listed for sale despite not wanting to at the end of   XXXX   XXXX   . I  called the local attorneys office   XXXX   XXXX   XXXX   XXXX   on  X/XX/16  asking the price it sold for and who purchased it and left a message. I did n't hear back so I called again on   X/XX/16    and spoke wi thh    XXXX   XXXX   and he stated it was pulled from the sheriff sale because " they did n't serve us '' which they are required by law to do. Since this was published we had to lower our asking price by $  XXXX  because people knew it was going to auction. It is still currently on the market.
My husband has had unfortunate health issues over the last few years being in and out of work. He   XXXX   his   XXXX   over  XXXX  weekend in  XXXX  and was unable to work until earlier this year.  He was in a    XXXX     for  8 mon ths for 23 hours a day with no income. He was denied  XXXX  twice. It is now under a second appeal with an attorney we had to hire to hopefully get some back-pay.
I tried to work with Ocwen for a modification, unemployment forbearance or anything to help save our property but to no avail. They have applied so many fees that we 've lost track. I do not believe Ocwen 's " Helping Homeowners is what we do '' motto because they do n't help homeowners. They drain them financially and emotionally by giving false hope and then letting you down. You talk to people all over the world that you ca n't even understand and end up getting so frustrated going around and around in circles. They need to be investigated, something needs to be done!
Thanks,
Consumer complaint received 2017-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE: XX/XX/XXXX  PHOENIX FINANCIAL SERVICES LLC  Permit No  :  XXXX  Type : ADAD Permit Approved Date :   XX/XX/XXXX   Date Last Renewed :   XX/XX/XXXX   PHOENIX FINANCIAL SERVICES LLC  XXXX   XXXX   XXXX   XXXX   XXXX       XXXX      XXXX    XXXX , IN  XXXX  Web   :: www.phoenixfinancialsvcs.com Emai l :  XXXX  XXXX  XXXX  Phone :  XXXX  Toll Free :  XXXX  Fax :   XXXX    PHNX FINAN Your company have vi  olated FCRA 615 ( f ) ( 15 U.S .C. 1681m ( f ) ) ( f ) Prohibition on sale or tra nsfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.    I need this resolve, under the Fair Credit Reporting Act, these disputed ite ms may not app ear on my credit report if they can not be supported by any evid ence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under sec tio n 1681c-2  of this title has resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the a  ssignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under sec tion 1681c-2  of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   
The reference items are listed below please take this matter very serious PHNX FINAN I   have report your company t o consumerfinance.gov A s a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act Lit igation, Case No.  XXXX , in the  U.S. District Court for  the  XXXX   XXXX   of  California  Stop  collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB   XX/XX/XXXX   ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX is reporting that I have two collection accounts with them on my credit report. I initiated a dispute through the 3 credit bureaus on XXXX XXXX, 2017. All of them came back saying XXXX XXXX XXXX verified account. I wrote and faxed a letter directly to XXXX XXXX XXXX asking them to send me proof and verification that I owe this debt and in the amount of which I owe this debt and the information from the original creditor. The mailed back a screenshot of their computer screen which has a name similar to but does not match my name at all and that does not match my address. In addition to I asked for verification that they are allowed to collect on debt in the state of Alabama, which I checked their licensing and they are not. Furthermore, on that screenshot they list XXXX XXXX account yet they have two accounts on my credit report, one for the cable service and another for the cable equipment but they were linked to XXXX XXXX XXXX  account. I sent another letter after they sent this information with my identification and proof of address and asking that they remove the information from my credit report, as per the FCRA inaccurate information can not be reported and the name and address and phone numbers are in fact inaccurate. This has caused me much stress. Please assist if possible
Consumer complaint received 2017-05-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (MN)

Re :  Account #  XXXX  To Whom I t May Concer n : This letter is regarding account # which you claim my account was charged off {$870.00} This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. P lease note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX   ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the F air Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ) Y ou will be required to appear in a court venue local to me, in order to formally defend yourself.   For the purposes  of 15 USC 1692 et seq., th is Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of   status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

on  XXXX  Chase Bank reversed a temp credit to my acct processed on  XXXX  due to a dispute with  XXXX .  Chase sent  a letter dated  XXXX  advising of reversal but gave no explanation as to why nor did they allow me to provide to them any documentation prior to reversal taking place - to prove I have tried numerous times via email and telephone to resolve issue. Seller promised twice to have a local gene ral manager c ontact me to resolve issues however no contact as of today since  XXXX   XXXX   Seller stop ped responding to email contacts on  XXXX    XXXX  .  Chase m akes it very difficult to speak to a supervisor, and equally to spe ak to a manager. Manager refu sed to escalate this matter as he stated firmly that anyone above him would only repeat to me the same. Chase bank states they do not resolve or get involved with disputes regarding " wear and tear '' although I explained repeatedly problems are due to defective parts. Which is an entirely different situation. Bu t Chase reps ref use to get past the term " wear and tear :  XXXX  dictionary states " Wear and tear is the damage or change that is caused to something when it is being used '' however, I state the part is defective as I only was able to use a couple of weeks when it built up a very unusual rust buildup . Defective | Definition by      XXXX  is " imperfect in form or function '' I assume mnft did not apply a protective overcoat to the part - which has now caused damage to a underlying part due to the rust. After I rec.t he Chase r eversal letter I faxed to them on  XXXX   XXXX  all of my email communications with  XXXX .  Chase n ever responded. I refaxed again on  XXXX   XXXX    XXXX   - still no responce. After calling & much arguing to escalate my call I spoke with a  XXXX  based in Ohio and later with a supposed manager named  XXXX  approx on  XXXX  Neither would accept my refaxing my documentation nor would they provide to me a hard copy reflecting Chase policy in regards to their so called " wear and tear '' policy. Whe n Chase manager   XXXX  was finally worn down he was attempting to imply my complaints to them were not received in time however I reminded him I had fax transmit reports proving dates and times my emails were sent to  XXXX .
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

XXXX  I send a certified letter to the credit bureaus stating I received a copy of my credit reports. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I contacted the credit bureaus and all   XXXX   credit bureaus refuse to remove any of the inquiries off my credit reports. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; firm offer of credit, insurance, employment, and a court order.