davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

I received a bill from Ditech for my XXXX Mortgage payment with a due date of XX/XX/2019. I am very careful to pay on time. I paid the mortgage bill amount on XX/XX/2019. Ditech cashed the check and took the money. 
Today, on XX/XX/2019, I received a bill from XXXX. Apparently Ditech sold my mortgage to XXXX. The XXXX bill has a XX/XX/2019 due date. It also does not show the application of my XXXX payment to the balance. In other words Ditech took the money and did not apply it to my loan. 
I have tried emailing and calling Ditech but they do not respond. I tried to log-in to the website, but since my loan is no longer serviced by them I can not log in. 
You help is appreciated,
Consumer complaint received 2019-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

Hi there, Since XX/XX/2018, Ive been attempted to get on a income based repayment plan or a pay as you earn plan and Ive been repeatedly denied, forcing me into deferment. I just want to have a payment I can afford and I read an article today publicly disclosing that the US department of education is denying requests like mine. This is hurting my ability to make payments and I am counting on your help. Thank you. 

Sincerely, XXXX
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

As per the FDCPA a debt collector is not allowed to disclose or willingly give up the company name in regards to the debt they are trying to collect and Midland Credit did to my friend, my old roommate. I have the call recorded and it comes to my understanded I should be compensated for this and them fined. Please start your investigation and allow me to send you the call. 

XXXX XXXX
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2018-04-03
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: TD BANK US HOLDING COMPANY (CA)

XXXX 's client XXXX XXXX is a victim of identity theft, her information was used without her consent to apply for a credit card with Nordstrom. While the application was declined the fraudulent related inquiry was left on her XXXX  credit report XX/XX/XXXX. A formal dispute of this information was mailed XX/XX/XXXX and received by Nordstrom however as of this date Nordstrom has failed to reply to and confirm the removal of the fraudulent related data which is a violation of the FCRA.
Consumer complaint received 2019-04-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC (AL)

I called Ditech Home Loans in XXXX about the letters I continue to receive for payment of a property that they say themselves was XXXX in a bankruptcy in XXXX. Also this property recently, XX/XX/XXXX, was Foreclosed on. I told them this fact as well as them telling me they had to keep contacting me about this account. This is a foreclosure now and nobody has a mortgage on the property any longer.

Noone has a mortgage any longer. It did go through bankruptcy and now is a foreclosed piece of property. I would appreciate being left alone by these people. I lost everything because of him.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

Overton , Russell , Doerr and Donovan , LLP. Has been refusing to send me any letters or statements that ALL my accounts are paid in full and closed. They sent me a statement for one of the charge off accounts but non of the others. There were 3 listed accounts with ORDD and I need a letter for all 3 accounts.
Consumer complaint received 2022-09-07
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: HEARTLAND PAYMENT SYSTEMS INC (CA)

My business uses Heartland Payment Systems to receive credit card payments from customers purchasing insurance coverage. In this case, we received a signed application to buy insurance from a customer, were paid by XXXX for the insurance by the customer, provided the insurance, and five months later received a dispute from Heartland claiming that the customer did not acknowledge making the credit card payment for this insurance purchase. We provided detailed proof of the validity of the insurance purchase to Heartland 's Dispute Resolution team, which ultimately told us that this was an XXXX issue and XXXX refused to refund our {$18000.00} wrongfully taken. 

XXXX responded that this is solely a Heartland matter, as Heartland is the payment facilitator for this transaction, and only Heartland can resolve. Heartland refuses to take any action on this matter. Thus, we are filing this complaint against Heartland.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

On XX/XX/XXXX i started a transaction to move XXXX LTC over from one exchange to XXXX/Coinbase the transaction was confirmed in the block chain and XXXX sent me an email saying Valued XXXX client, Your Litecoin deposit of XXXX LTC ( worth {$52.00} USD ) completed successfully but was not moved from your Coinbase account to XXXX. 
Please view your account to double check your deposit and manually move your funds to XXXX. 
- The XXXX Team I assumed no big deal, Ill just manually move it. Well the LTC was nowhere to be found. It just disappeared luckily i was only moving a fraction of my currency before i moved all of it, because i would have been much more upset losing more than the 50+ dollars at the time. 

Anyway, i started a support ticket and the only email response i received was on XX/XX/XXXX linking me to an FAQ page as to why my transaction could be pending. However, MY TRANSACTION WAS NOT PENDING. It was CONFIRMED. So they obviously did not even read my support ticket. I replied again to their support and havent heard a response since. I will not deal with this company any more aside from when i get my LTC back, and only to move it out of their exchange.
Consumer complaint received 2021-02-08
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: WELLS FARGO & COMPANY (AZ)

Have XXXX years of perfect credit. Never late on ANY bill, payment, mortgage. I have 5 homes that I rent out and never one late payment ever. Went to refi my primary residence and they pulled all 3 credit reports and 2 were fine but XXXX  reported that ASC ( Now Wells Fargo ) have a 30+ day late payment from XXXX. Simply didn't happen or if it did by some strange reason, it was quickly corrected. I vaguely remember they had an issue sending out invoices during that time and they BLAME me for not making a payment. Simply not true but none-the-less, got transferred from person to person trying to resolve. Again, 6 years ago this happened not recently yet they recently reported it as recent as last year. Obviously I am disputing this but 2 different loans with them dating back to XXXX and never 1 late payment Maybe think outside the box and see the history and maybe believe me???? I mean really people.
Consumer complaint received 2023-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Nu World Title, LLC (NM)

Nu World Title LLC XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX dispensed XXXX cash of the sale of the property that was deeded from XXXX XXXX and XXXX XXXX XXXX ( XXXX ) to XXXX XXXX and XXXX XXXX without due dilligence to check there is a lawsuit and lien filed in NM against XXXX XXXX and XXXX XXXX for XXXX. XXXX doonot look under XXXX XXXX XXXX the second judicial district court did not index XXXX XXXX in the XXXX XXXX XXXX, however XXXX  XXXX is indexed, however she used XXXX XXXX when she closed and then the name was crossed out and corrected to XXXX XXXX at closing. It is negligent to not ask if the " sellers '' had a lawsuit in NM before dispensing cash. XXXX  XXXX XXXX and XXXX are suing them, and they want to come against our residence for a fraudulent " modification '' refinance that they did in XXXX to XXXX without our permission and knowledge. WE paid the arrearages and all closing costs when we bought our residence in XXXX because the sellers " borrowers of XXXX '' said they were destitute, to find out they bought adn sold over 5 properties in XXXX, reason why we suied them in XXXX XXXX  and balloon payment was annuled and they had to bring the account current, they did not fulfull theiur obligation signed and settled in court and cause an action in nm in XXXX. It looks like the bank only sent XXXX to the court registry abnd about another XXXX are embezzled betwee banks and borrowers. We were contacted by HUD to make a fraud complaint, and done. The. borrowers had no business ecumberring a property they did not have equity standing and then bail. 
the bank missed collecting from XXXX in the sale of this home with the XXXX  company cash funds. 

XXXX XXXX and holthus and XXXX  XXXX XXXX have no business extorting a XXXXXXXX XXXX ( XXXX ) lady with a XXXX and misaappropriating funds that were destined for the payment of th eoriginal XXXX loan. These people caused a mess and duress and emotional physical and economical harm to an innnocent purchaser of value. 

What kind of " title service " this companies are doing " and what kind of abuse are tehy willing to exert on a fragile woman like my mother, and I, to jsut find a " scapegoat '' to their negligence. 

Please collect from the responsible parties on the properties and assets that your " borrowers '' possess and can encumber.
Consumer complaint received 2019-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (ME)

I set up an account with Chase Bank online on XX/XX/XXXX, I was given a direct deposit form from the banks website that had a routing number that was no longer in use by Chase Bank ( XXXX ). I was told today that this routing number has not been used since XXXX of XXXX. Chase bank sees the direct deposit in their bank under the above routing number and the proper account number. Even though they admit their are are in error they are telling me the earliest I may see my money is XX/XX/XXXX or after. This is causing a financial hardship on myself and my family. I do believe by Chase bank providing me incorrect information is a form of fraud on there part. The routing should have been removed from their website when it was no longer and use. I also feel that when I spoke with Chase Bank on XX/XX/XXXX the money should have been put into my personal account since this was an error created by Chase Bank, and not making me wait tell Chase bank gets around to fixing the mistake at their convenience.
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TX)

I had an alert on my locked credit report from National Credit Adjusters on XX/XX/XXXX for a debt in arrears. I called National Credit Adjusters. Debt is from XXXX XXXX in the amount of {$700.00} taken out with drivers license that is not mine in XX/XX/XXXX. 
I have never taken a loan from XXXX XXXX. I have never received any communication from National Credit Adjusters regarding this issue.
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My family and I have been experiencing a severe financial hardship for multiple reasons, most of which are outside of our control ( medical, unexpected repairs, etc ). In XX/XX/XXXX, our mortgage lender, Wells Fargo allowed us to submit a modification request in hopes that our payment would be reduced so we could keep our house. At that time the number of missed payments had not triggered foreclosure proceedings, so we had hope that after over 10 years of making payments Wells would take a serious consideration at our request to make our payments affordable, even if it was for a short period of time. Unfortunately the request was denied, and I was disgusted to find out that the reason Wells gave us ( in writing as well as verbally ) wasn't because lack of affordability, but because the Loan to Value was so low that they would missed on an opportunity to sell it at foreclosure and make a profit. We're seriously in shock at this decision. Because we owe slightly under {$200.00} thousand and the house is worth over {$300.00} thousand they would rather take it from us and sell it? This seems very unreasonable and one sided. We love our house and don't want to lose it. 
To make things worse, three weeks ago we attempted to submit a new modification as our finances changed ( not by much, but we thought it might've helped ). Well, we spoke with at least five different Wells representatives and all indicated that it was absolutely possible to submit a second modification after the first one was closed. Long story short, they kept asking us to call back every other day to check on that status, so we did, but yesterday I spoke to the sixth Wells representative, whom in a very condescending way said : " we're sorry but because you're in Texas and the bank has already established a day of sell, we are unable to accept another modification ''. I explained that five other employees had led us to believe that this was possible, and he basically said " I'm very sorry but those employees shouldn't have given you that information as it is wrong '' ... Now our only option is to try to rush a sell on our side, and we have less than a month to put it on the market, get a contract, get the buyer qualified, and close, which is virtually impossible to do in less than 30 days! 

This is a clear example that Wells is taking advantage of our good will. As much as we hate to be in this situation and know we have let our lender down, we are also humans and unfortunately life has been really rough in the last two years, but we are still alive and have the strength to continue to push forward, we're only asking for some temporary help. Unfortunately when it comes down to assisting consumers, regardless of their high level of loyalty, Wells still only cares about one thing : Wells Fargo.
Consumer complaint received 2022-09-16
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. (TX)

I have, in all respectful ways, requested that these two accounts be reviewed ; and that all signed and binding contracts between XXXX and myself be put forward and produced and put in full exhibit before these credit reporting agencies to report truthfully and rightfully. 

1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. 2. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2021-06-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BANKAMERICA Account Number : XXXX This is not mine.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ND)

We are asking you to investigate the impact that that our XXXX  XXXX XXXX Home Equity line of credit   has had on our credit. 

We were struggling with payments beginning in XXXX on our HELOC, and in early XXXX learned we may be eligible for a modification. We wanted to ensure we were taking care of the situation so we began to seek out resolution. 

Timeline Mid XXXX -- reached out to begin finding out if we could get a trial modification. Took quite a while to finally get to a point where they would talk to us about a trial modification. 
XX/XX/XXXX approved to start trial modification XXXX completed the three trial modification payments ( proof in bank statements provided ) XX/XX/XXXX finally get a letter after persistent questions of status and decision that our modification is approved. We returned the final modification paperwork, never got anything back. 
XX/XX/XXXX get a letter saying our modification was denied. 
XX/XX/XXXX get a letter saying its now approved, see no evidence of this in our monthly payment ; still shows massive snowball amount. 
XX/XX/XXXX get a new letter saying we successfully completed trial modification and to sign and return the modification agreement, which we did. 
XXXX still seeing no evidence they had modified the loan, unsuccessful in getting answers. Finally hear from someone that they had sent more paperwork, and they had sent it to the wrong address. We were temporarily living in XXXX for 8 months. We had updated our mailing address to our temporary address in XXXX, and we were receiving billing from them at that address but they mailed new loan modification paperwork ( 3rd time around I think? ) to our home property address, which we did not receive as it was not forwarded by our renters. 

XXXX send a fax to XXXX appeals intake, requesting them to send the paperwork yet again, they never did. 

XXXXthey transfer the loan to real-time resolutions and we have such a horrendous impact on our credit its almost worse than bankruptcy. 

This account should have been modified and would not have been needed to be transferred off to XXXX XXXX. 


It was like getting stuck in a loop. We would provide and sign whatever next paperwork or evidence they requested, and then we would get something else that they said they needed. It took so much energy, they seemed determined to bury us in paperwork and confusion rather than give us the modification. I gave up. 

Included for consideration is the various documents from XXXX XXXX XXXX indicating we had successfully completed modification, as well as correspondence that demonstrates the diligence with which we tried to resolve the matter. 
Included : All the documentation that our loan was modified from XXXX XXXX XXXX. 
Copies of correspondence showing the diligence in which we attempted to resolve this account. 
Proof of the payments to fulfill the trial modification period through our bank statements.