davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

After several phone calls, emails, mail, and faxes stemming as far back as XX/XX/XXXX, I have to date received no response from Ditech. I was told by a representative of Ditech formerly Green Tree that my supplemental tax bill would be paid out of my escrow account because there was a surplus in my escrow account. Long story short, I was continuously told that the installments were scheduled on time and they were not. I accrued {$420.00} in fees due to Ditech 's mistakes in not paying the tax bills on time, and was adamant in having Ditech credit me the fees that were accrued through no fault of my own. Several Ditech representatives indicated seeing my numerous faxes, emails, and calls documenting my diligence in providing them documents and following up on getting these issues resolved since its inception in XX/XX/XXXX -- to date no response has ever been received. In fact, I have now had my mortgage payment increased due to an escrow " shortage, '' even though they sent me a surplus check in XX/XX/XXXX. Yet when I asked why an annual escrow analysis was done in XXXX and again in XXXX, no one could answer my questions. This to me feels like I 'm being PUNISHED for wanting back monies that are rightfully mine. On XX/XX/XXXX, I emailed Ditech asking why they were issuing out Annual escrow analysis to me in 3 month increments? Well of course the account would be short in the computer, a payment would have just gone out in XXXX for XXXX regular property taxes! My regular payment at the beginning of the loan was {$2800.00} ( {$1900.00} in principal & interest, and {$940.00} escrow for taxes & insurance ), then in XXXX it changed to {$2600.00} ( {$1900.00} Prin & Int and {$710.00} escrow for taxes & insurance ) due to a " surplus, '' and now my XXXX payment went up to {$3000.00} ( {$1900.00} Prin & int and {$1000.00} escrow for taxes and insurance ) due to a " shortage. '' So, my payment went up {$350.00} due to an escrow " shortage, '' but no one can explain to me how, or will even call me back. I have been told for weeks that a supervisor will call me back -- not once have I ever been allowed to speak with one, even after several times of requesting to speak with one. I sought out legal advice and had an attorney write me a letter in the hopes that someone would call me back -- nothing! On XX/XX/XXXX was my final call to Ditech, again I was given the runaround. No supervisor was available for me to speak with, and no one could tell me why my payment went up or why an annual analysis was being done 3 months later from a previous one, or where my darn check was for the fees and penalties! 
It is blatantly obvious Ditech has no intention of paying me back my fees, and even went as far as increasing my payment as punishment for requesting those fees to be credited. To date no one has ever responded.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (SC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (MI)

Demand for face to face meeting with an individual authorized employee of the Creditor who owns the account receivable due from me to discuss transfer of property Deed in exchange of return of original documents and wet-ink signed release of all liens by an authorized accountant/bookkeeper of this Creditor and a copy of the ledger evidencing that said account receivable is closed.

I OFFER THE PROPERTY DEED AND ALL EQUITY ON THREE CONDITIONS : ( A ) PRODUCTION OF THE ORIGINAL NOTE AND THE RIGHT TO INSPECT IT FOR AUTHENTICITY ( B ) PRODUCTION OF PROOF OF PAYMENT AT ORIGINATION AND ALL TRANSFERS UPON WHICH THE PRETENDER LENDER RELIES FOR ITS AUTHORITY TO COLLECT THE MONEY AND ( C ) PROOF OF LOSS BY ACCESS TO THOSE PEOPLE WHO MIGHT HAVE RECEIVED AN ASSIGNMENT OF THE LOAN OR WHO HAVE A BACK-DOOR OWNERSHIP INTEREST IN THE LOAN THROUGH OWNERSHIP OF A DERIVATIVE OR CREDIT DEFAULT SWAP.
Consumer complaint received 2024-08-23
Product: Credit 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: U.S. BANCORP (NJ)

On XX/XX/XXXX, a pickpocket stole my wifes US Bank XXXX and XXXX XXXX at the XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The perp then used the US Bank card to make one or two purchases of {$53.00} at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The perp also used the XXXX XXXX to make a {$45.00} purchase at the same place. Both XXXX and US Bank identified the charges as fraudulent. 

XXXX closed their fraud investigation on XX/XX/XXXX, and removed the transactions from my account. 

US Bank sent me a letter ( see scanned copy with my handwritten notes ) on XX/XX/XXXX, stating : After careful review, we have verified the transaction ( s ) was authorized, and you received benefit from the transaction ( s ). A list of disputed transaction ( s ) is included in this letter for your reference.

Please see the enclosed documentation that indicates the transaction ( s ) are valid.

. 
. 
. 
You have the right to receive copies of the documentation used during our research. Please contact us if you would like the documentation. 

I called US Bank on XX/XX/XXXX. XXXX said that they would send the documentation and I should receive it in 5 to 10 days. After 18 days of waiting, I called US Bank again. XXXX said the only documentation was that the card was presented at the time of transaction. She reopened the case and said to expect a call in 24 to 48 hours. XXXX called me on XX/XX/XXXX. Rather than give her the details over the phone, I sent her a letter on XX/XX/XXXX ( see attached ). She called on XX/XX/XXXX to tell me that she didnt receive the letter. She said that it might be delayed because of the holidays and would call on XX/XX/XXXX or XXXX to let me know if I should resend it. She did not call, so I left a message on XX/XX/XXXX. I also tried on XX/XX/XXXX, and XXXX. As it turns out, the letter was returned to me on XX/XX/XXXX. I mailed it again on XX/XX/XXXX. I called XXXX a left a message on XX/XX/XXXX. She did not return my call within the promised XXXX hours.
Consumer complaint received 2019-05-01
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. (IL)

I called Equifax on XX/XX/2019 to dispute several inquiries on my credit report which I believed to be fraudulent, many of which occurred even AFTER placing an initial security alert on my file about a month ago. After providing information for 28 different inquiries, the representative attempted to tell me that the information could not be disputed as " inquiries are factual data, '' and that I would need to contact the creditors directly to dispute the items. I explained that there was no way I had the time to call/write 28 different creditors, and thereafter follow-up to ensure the inquiries were properly deleted. I further explained that I had placed disputes with both XXXX and XXXX regarding similar inquiries which I believed to be fraudulent, and both were willing to take my dispute. This got me nowhere, so I requested a supervisor. The supervisor again allowed me to waste my time listing off each inquiry, only to attempt to tell me that she, also, would be unable to initiate a dispute on my behalf for the same reason : " inquiries are factual data. '' She also wanted me to contact the companies directly. I explained to her that as the credit reporting agency, Equifax has a duty as per the FCRA to ensure that the information they are reporting is accurate. They also have a duty to investigate upon being informed that inaccurate information exists on my report. As I advised her, I do not dispute that it is a " fact '' that my credit information was accessed on all of these occasions. What I do dispute, however, is that these inquiries were authorized by me, because they most certainly were not. Finally, she agreed to take the dispute, and issued me a confirmation number ( XXXX ). Later, I received an e-mail with a copy of my dispute results, dated the same day. The results indicated that each of the inquiries would remain on my report due to it being " factual data. '' Again, I do not dispute that my credit was accessed. What I dispute is that the inquiries were authorized. It is a well known fact that excessive inquiries can not only adversely affect one 's credit score, but also be used as a reason for denial of credit even in the event of a satisfactory credit score. As such, these inquiries need to be removed as they will ultimately adversely affect my ability to obtain credit. The request of Equifax that I contact each of these creditors myself is unduly burdensome. I also note, again, that it is THEIR DUTY as the credit reporting agency to ensure the information THEY REPORT is accurate.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (IL)

I attempted to purchase grocery using my Discover Card, and a message on the machine called out 'card unauthorized ', please try using another form of payment. Yes, very embarrassing, especially since that was the only card I brought with me to the store. Before I proactively reached out to Discover Card, I received a letter from them by standard U.S. Postal on XX/XX/XXXX, it was dated, XX/XX/2024, and stated that they have made a business decision to close my account because it is not being used as intended. Interestingly, I receive many advertisements from Discover soliciting other services or products they offer, but have never received a phone call, voice mail, text, email or any other communication regarding any concerns with concerns around how my card is being used. There was no phone # on this letter, so I called their customer service line at XXXX. I was transferred to their Customer Protection Department (? ), the representative said, yes, we've made a business decision to close the account, and could offer nothing else, but perhaps I want to re-apply. I asked for a supervisor, she said there's no one else to speak to but her, there is no supervisor for me to speak with, and again, if I have any questions write to the address on the letter. Why would I reapply for a card that I've already earned the privilege of having, additionally, now that I've lost my job, what legitimate credit card issuer is going to approve me for credit, etc.? She continue to repeat her response, so I thanked her for the time... 

This impromtu closure impacts my credit report and ratings, and presents hardship. Over the years Discover Card has sent me an abundance of junk mail soliciting their many other services and products, but on no occasion initiated a single notice or warning of any kind, through any form of communication regarding a business decision that " they are 'considering " closing my credit card account, and here 's what's needed to prevent that from occurring ''. Clearly, this would have allowed me to adhere to some unknown expectation/s that they felt I did not meet/am not meeting. This type of business extended by Discover Card was unexpected, disappointing, and will cause hardship. It should not have occurred. 

I need other consumers to know of my experience with Discover Card.. Since I've had this card, almost 3 years, I've had only 2 late payments. I'm pondering on if the majority of Discover Card customers impacted with these type of inappropriate and unforeseen business decisions made by the company impact predominately minorities or others from marginalized groups struggling to survive and provide, many of whom have still somehow managed to maintain a decent credit score.
Consumer complaint received 2024-07-11
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Payfare International Inc. (TX)

I Doordash and get my earnings deposited to the Dasher Direct card by Payfare. So my earnings get put onto the card and I then move the money from the card to GOAL, in the app, is like a pocket so if I want to make a purchase with my card I will have to go into the app move money from my GOAL back to the card and make the purchase. Which is what I do EVERY TIME I use the card. Well here recently my account has gone into the negative on several occasions, the different times on the same day on multiple occasions. First of all, how does a PREPAID CARD that doesn't have overdraft on it go negative. Secondly as I stated before I have to transfer money back onto the card when I make a purchase, its just how I do it. Ive called Payfare customer service and explained what is going on, bc on my transaction history it doesn't show what charge is causing my account to be negative, so they will look at it in their end come back saying such and such charge was the one, but I can't see that on my screen and I'll remember the purchase bc there ISN'T ANY fraudulent activity mind you, but I'll remember making the purchase and I remember moving money out to the card to make the purchase. Making it and it being gone out of my account only to have my balance go into the negative and Payfare to tell me otherwise. THE ONLY remedy they offered is to " contact the merchant '' which is Bs bc I made the purchase, and I have. Cash App card I use everyday, A XXXX that I use regularly, same with XXXX. And I have never gone through this with any of those. So no its not the merchant. This company is stealing money from me, and I know I'm not the only one this is happening to. I can only imagine the amount of money that is being pilfered off of all these XXXX Dasher Direct cards everyday. Please look into this and stop them. I work hard for my money and I won't allow them to keep doing this.
Consumer complaint received 2024-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BCA Financial Services, Inc. (FL)

On XX/XX/XXXX I requested verification of the debt they claim I owe. However, I did not receive any response until approximately XXXX  days later, on XX/XX/year>. This delay is unreasonable and does not comply with the Fair Debt Collection Practices Act ( FDCPA ). 

Given the delay in your response, I dispute the validity of the debt
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION (IL)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (MO)

I am writing to demand that [ FIRST PROGRESS/XXXXXXXX ] immediately cease the improper reporting of late payments on my credit report. The reported late payments are inaccurate and do not reflect my actual payment history. This erroneous information is causing undue harm to my credit score and financial reputation. Under 15 USC 1666b of the Fair Credit Billing Act, I have the right to challenge these inaccuracies and request prompt correction. I insist that you investigate this matter immediately, remove any incorrect late payment entries, and provide confirmation of the corrections made to my credit report. Failure to address this issue in a timely manner will compel me to pursue further legal action to protect my consumer rights. 


In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions. The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as [ FIRST PROGRESS/XXXX ], must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation 1026.9, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding the severity of the violation.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On XX/XX/XXXX Date you sent the fist letter ) I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. 
XXXX XXXX you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household.

I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

Opportunity to cure Default Final Notice PURSUANT 15 USC 6802 ( B ) i am living breathing man hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. 
DELETE THE BELOW ACCOUNT FROM ALL CONSUMER REPORTING XXXX XXXX bank # XXXX # XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (CA)

I am writing to formally lodge a complaint regarding a collection record on my account that appears to be erroneous. Below are the details of the issue and my attempts to resolve it. 
Account Information : * Collection Agency : XXXXMSHER COLLECTION SERVICES * Original Creditor : XXXX * Account Opened : XX/XX/year> * Amount : XXXX * Account Number : XXXX Issue : On XX/XX/year>, I noticed a collection record on my account from AMSHER COLLECTION SERVICES indicating that I owed XXXX to XXXX. However, I have never received any written notice, email, phone call, or text message regarding this debt or my right to dispute it. No attempts were made to contact me. 

Attempts to Resolve : XXXX. Contacted AMSHER COLLECTION SERVICES : * I requested options to pay off the debt or to dispute it. 
* They refused to provide either option and directed me to contact T-Mobile with the account number XXXX. 
XXXX. Contacted XXXX : * XXXX could not pull any information regarding the account number or the balance. 
* They could not verify my identity associated with the account number and therefore could not provide any information about the debt. 
XXXX. Further Contact with AMSHER COLLECTION SERVICES : * They continued to refuse providing any information or options to resolve the debt. 
* They directed me to call ( XXXX ) XXXX for resolution. 
XXXX. Contacted the Number Provided : * The number connected me to a credit removal agency. 
* They attempted to get my credit card information for a XXXX charge and tried to sell me a $ XXXX subscription service to work on removing the debt collection. 

Concerns : * The debt collection appears on my report with incorrect or unverifiable information. 
* Neither the original creditor ( XXXX ) nor the collection agency ( AMSHER COLLECTION SERVICES ) can verify or provide details about the debt. 
* I received no prior notice about this debt before it appeared on my report. 
* I suspect my identity may have been stolen, or this is a case of mistaken identity. 
* The actions of AMSHER COLLECTION SERVICES and the credit removal agency appear predatory, as they refused to provide legitimate options to resolve the debt and instead attempted to exploit my situation for financial gain. 

Upon reviewing online feedback, I discovered XXXX  reports from other consumers with similar experiences, indicating a potential pattern of fraudulent activity by AMSHER COLLECTION SERVICES. 

I am seeking your assistance to investigate this matter and to take appropriate action to correct the inaccuracies on my credit report. I am also requesting guidance on how to proceed in disputing this erroneous debt. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX