davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
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 — Problem with personal statement of dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

I have sent the letter below to Carrington mortgage explaining the situation, after learning that they had reported a 30-day late payment on my credit report. This was not the case, I tried explaining the situation to their credit department and they only repeated the letter I sent them and stated that no matter what the payment was late. This is not at all a satisfactory answer and it just seems that Carrington mortgage is not making an effort to make the situation right.

This letter is to explain the circumstances regarding the 30-day late payment that was reported on my credit report. I called Carrington Mortgage Services on XX/XX/2019, to find out how to pay online. 
This was after I had tried paying my mortgage multiple times on the Carrington online portal. The system kept giving me an error which mentioned the routing number I was providing was not valid. After I had been on hold for several minutes, a Carrington representative came on the line. I had to explain my problem to him and even tried to perform the same process while on the phone, I was also unsuccessful. He then asked me for my banking information so he can make the payment on my behalf. After giving him all my information, we were both under the impression that the payment was successfully made. 
On XX/XX/2019. I received a letter from Carrington advising me that the payment which Carrington customer service representative made, was returned due to payment account not found. That same moment I logged in on my phone and resubmitted the payment and unbeknownst to me the system used the same bank information that was captured when the Carrington representative made the first payment. This payment also was returned due to the payment account not found. 
On XX/XX/2019. I received a call from a Carrington collections representative asking to pay my mortgage payment for XXXX and XXXX. This is when she advised me that the second attempt for payment on XX/XX/2019 was not successful. I explained the situation, she agreed to refund the late fee penalty and advised me on writing this letter to explain my situation. I also asked her if the calls were recorded and she confirmed that Carrington in fact does record calls. These calls can always be used to collaborate with my explanation. 
In conclusion, I believe that this was a mistake when entering the bank information. I respectfully ask that this matter is resolved by removing this late payment off my credit report with all three bureaus. I have never had a mortgage late payment on my credit report or with Carrington for that matter. This truly impacts my consumer credit report and other financial aspects of my life.
Consumer complaint received 2019-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (KY)

When our home mortgage was transferred to Greentree Financial we did not receive a notice that our mortgage had been transferred from XXXX XXXXXXXX until we had already Made the current payment to XXXX XXXX XXXX. XXXX XXXX XXXX did not transfer the payment to Greetree. We disputed errant application of the payment, sent faxes with documents but never got it resolved. 
Green tree trans freed the loan to DiTech Financial. In XX/XX/2019 I XXXX XXXX spoke to a DiTech representative who said that if I made Payment of {$1900.00}, which was {$500.00} more than the original payment of {$1400.00}. for three months, that missing payment would be caught any interest incurred would be added to the en of the 30 year loan. The loan was subsequently transferred in XX/XX/2019 to XXXX. 
Today, although XXXX had been authorized to deduct the payment, in XX/XX/XXXX and XX/XX/XXXX they failed to deduct the payments, when I called to correct their oversight, which I also did in XX/XX/XXXX ( the payment was deducted on XX/XX/XXXX instead of XX/XX/XXXX as authorized, I was told that DiTech had not applied the money to that disputed payment. They applied that {$1500.00}. To escrow and other charges they could not specify Our loan # isXXXX. 
Please help, we are senior citizens retired with health problems. My wife has has XXXX twice, XXXX XXXX and a XXXX XXXX and I need XXXX XXXX. We are on a fixed income, trying to do the right thing. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-12-02
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. (NY)

Im requesting Experian to remove immediately The account of XXXX from my credit report for fraudulent charges done by XXXX XXXX to my account number XXXX I sent to Experian more than XXXX court pages of this fraudulent charges and I XXXX XXXX is sending this proves today on this website Im requesting again to Experian to remove this account from my credit report base on fraudulent charges to my account Im sending XXXX pages of court prove, enough evidence to remove this account from my credit report. 

The court pages explained how XXXX XXXX committed the fraud, alteration and others things Also Experian never have sent me a single letter explaining why this account still on my report or the kind of investigation Experian have done Im requesting over and over to Experian to remove this account based on fraudulent charges that is the only resolution I want
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC (NY)

On or about XX/XX/2022 D & A Service LLC, of IL sent me a letter requesting & XXXX on behalf of their client XXXX XXXX I, XXXX. I requested information from them on or about XX/XX/2022 but they have not responded at all.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

I am the holder of a SEARS credit card under account # XXXX since XXXX and have a current balance of approximately {$170.00}. 

Without my consent or permission SEARS took the liberty to issue a " SHOP YOUR WAY '' Mastercard from CITIBANK and I only knew of this change a few days ago when I received the actual card in the mail.The mailing stated that " this new card replaces your Sears Card. Please destroy your Sears Card ( s ) as it is no longer valid. '' It is obvious that SEARS and CITIBANK co-conspired to dupe customers as follows : SEARS had a long list of card holders with financial information as to their credit worthiness and CITIBANK was provided that list to issue credit cards for their benefit by calling it a " replacement card '' when in actuality " SHOP YOUR WAY '' is a Mastercard that can be used anywhere, not just in SEARS stores or online shopping.

I do not want the " SHOP YOUR WAY '' Mastercard as I am already a holder of a Citibank Mastercard and have maintained this account for a number of years. I find that SEARS and CITIBANK conspired to arbitrarily issue credit cards to consumers who didn't apply and this is simply a scam.
Consumer complaint received 2019-07-11
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: SUNTRUST BANKS, INC. (CA)

7 hard inquiries on my credit report These have caused me to be declined for other opportunities XX/XX/XXXX - Suntrust Bank dba XXXX - inquire without permission - unknown XXXX XXXX/XXXX/XXXX - inquire without permission XXXX XXXXXX/XX/XXXX & XX/XX/XXXX ran twice instead of once XXXX & XX/XX/XXXX XXXX XXXX XXXX- 3 hard inquiries ( 2 are almost 2 years old ) XX/XX/XXXX XXXX XXXXr XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XXXX, XXXX and Equifax are reporting a Bankruptcy as a public record falsely. File dateXX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (TN)

This is the second complaint I have filed against MOHELA. 

I am a full XXXX v XXXX class member. As a full XXXX v XXXX class member who is in the the automatic discharge group. I was due total and complete relief by a federally imposed deadline. Please know what I just said a federally imposed court deadline of XX/XX/XXXX. This is not my deadline. This was a deadline that was imposed by a federal court. This is verifiable by legal documentation I am enclosing with this complaint. Full relief entails discharge of all of my student loans, removal of all student loan data from my credit reports, and refund of all monies paid to any service or including prior service servicers at the time of this writing, MOHELA has done nothing. In fact, MOHELA has fought my complaints. And verified information to the credit bureaus after the relief deadline in blatant violation of the settlement Furthermore, they have updated my student loan balance with interest increases after the settlement deadline. They are destroying my credit. In fact yesterday my XXXX XXXX score dropped XXXX points XXXX because of the interest increase on the student loan they are not supposed to be reporting. They must remove these accounts from my credit report. There is nothing to discuss. There is nothing to debate. They have no discussion they have no excuse. There is nothing up for debate. I am a full class member I have proof I am a full class member I have the settlement documents. There is nothing to discuss. They were required by XXXX XXXX to remove these accounts they failed to do so. I am demanding you get involved you force them to remove these accounts. From my credit report, because they are reporting them in violation of the law to my detriment. This is unethical. 
As they knew, I was a XXXX XXXX XXXX member as they put me in for a XXXX as a result of this settlement. They were aware of the deadline and chose to ignore it. Furthermore, I have received a federal job offer. This job, Offer requires a background investigation. This background investigation requires a credit check. The erroneous information MOHELA is reporting causes me to appear as a liability. MOHELA may cause me to fail this investigation. They have been aware of this for months because I informed them of writing of the possibility I may receive this job offer. I received the offer on XX/XX/XXXX. The harm I am suffering is no longer speculative. Its real. Its present. You must uphold the law you must force them to remove this information. They were required to remove these loans from my credit report by XX/XX/XXXX. They failed to do so. There is nothing else to discuss. I am not subject to any other lawsuits currently pending or surrounding borrower defense they can not use that as an excuse. XXXX XXXX XXXX is a settled federal lawsuit. I have attached the full text of the lawsuit as well as my notice. Thank you.
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (WA)

A bank that gave me a deposit slip on XX/XX/XXXX confirming receipt of checks and cash totaling {$2300.00}, today notified me that they're debiting my account by {$1400.00}. 

I'm the XXXX of a XXXX XXXX XXXX XXXX XXXX organization that banks with XXXX and as XXXX I regularly make deposits in person at a local USBank branch following events that the organization holds throughout the year. I always keep an XXXX spreadsheet with a breakdown of the deposit that identifies each check being deposited and the number of each kind of cash bill being deposited and I have copies of almost all such deposits going back to XXXX as Ive been XXXX all those years. 

On XX/XX/XXXX, the organization had a luncheon for seniors event where the charge to attend was an even {$20.00} per person. About 125 people attended the luncheon ( we were only charged for XXXX ) and we collected some payments in advance but most people paid at the door. On XX/XX/XXXX, I made an in person deposit at the bank totaling {$2300.00}, consisting of ten checks totaling {$590.00} and cash totaling {$1700.00}. The {$1700.00} cash breakdown was all in bills, XXXX XXXX, XXXX XXXX and XXXX XXXX. I received from the bank teller a stamped deposit slip for {$2300.00}. 

At least 2-3 weeks later, the bank called to tell me that there was a discrepancy in the amount of cash received and especially in the number of XXXX deposited that day. I told them that I was absolutely sure that I deposited XXXX XXXX dollar bills and suggested they check their camera footage. Over the following couple of weeks, they called again 3-4 more times and I even sent them a copy of my spreadsheet showing my deposit breakdown, etc., and pointed out that my file folder date and timestamp on that spreadsheet file was for the day and afternoon before the deposit was made. 

Today they called again and I asked them to send me an email as I was getting frustrated with all the calls. The email today says We will need to debit {$1400.00} from the account ending XXXX since we did not see XXXX bills of XXXX on the date of XX/XX/XXXX. 

That email also raises another issue for the first time : " I dont see any large cash deposit on the account ending XXXX for past few years, so wanted to check why only this time you had large cash deposit. '' She obviously didn't check my XX/XX/XXXX cash deposit totaling {$1500.00} ( which included XXXX XXXX! ), a XX/XX/XXXX cash deposit of {$1100.00}, and another cash deposit for {$1100.00} a month prior on XX/XX/XXXX. That's after just a quick glance through some deposits, but I'm sure they didn't realize that I keep copies of them all! 

I hope you can resolve it before I have to involve an attorney and the media.
Consumer complaint received 2018-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

wells fargo bank located in XXXX XXXX az paid over to a man who STOLE MY ID FOM MY HOME XXXX onXX/XX/2018. The bank did not check his id or make an. They are responsible for what happened. I have been with this bank for over 70 years they have ALWAYS Called mea when thet suspected a suspicious check or whatever is being presented. They did NOT. This time I want them to reimburse me. I am a XXXX year old widow, i am XXXX and i need the money, my savings!!
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resource Management Group (CA)

A company called RMG ( Resource Management Group ) called me today stating that I have an unsettled debt from XXXX. 

They informed me that the address associated with the account in XXXX. The issue is the address is a known address of mine but I have not resided in that address since XXXX. 

They seem to know my personal email as well as the last 4 of my social. They offered to settle this debt in the full amount of {$590.00} and sent me an email indicating the creditor 's name as XXXX XXXX, which I'm not aware of at all. 

I have asked for specifics of the account such as when it was opened, and they were not able to provide this information. I have also asked for the direct contact of the creditor and I was informed that they are no longer in business and XXXX has taken over the account. However, they are not XXXX and they have not stated that they were representatives of XXXX in any shape or form. 

I was a victim of identify theft around XXXX and I have expressed that fact. They made threats that include the following : 1. Wage Garnishment 2. Lien placement 3. Legal Action 4. Negative feedback on my credit. 

Their contact information is XXXXXXXX XXXX XXXX  XXXX, XXXX, NC XXXX I have tried to visit their website but it redirects me to a landing page that has not been built. I have researched their phone number it appears they already have complaints with FTC as well. 

I am deeply concerned for my credit as it has taken me quite sometime to get it to be where it is and I'd like to file this complaint to avoid any further detriment as well as the calls from coming in.
Consumer complaint received 2024-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NY)

On XX/XX/2019 my job XXXX XXXX. Paid me with direct deposit in the amount of {$780.00} when I went in my chime backing app I was not able to get in my account it had said that I was locked out I the. Called the bank to speak to a supervisor and no came on the phone another time I got a supervisor but there where not help they just told me they cant get into the account they asked me to send email with my ID my ss number and. Still havent gotten any answers
Consumer complaint received 2024-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Account : XXXX XXXX XXXX I recently became aware of an account that has been attributed to me, and I believe this information is inaccurate and fraudulent. 
I have previously requested that this company provide the purchase agreement. Additionally, I am seeking copies of any relevant documents associated with this account so that I may thoroughly review the details. It is essential for me to verify the legitimacy of this account and confirm whether it indeed belongs to me.

I kindly request that you promptly provide the requested documentation. This companies failure to send requested information is considered a violation of the Fair Credit Reporting Act.

Furthermore, I insist on the immediate removal of this disputed account from my credit report until such time as the requested documentation is provided and its accuracy is verified.

Thank you for your cooperation in resolving this dispute.
Consumer complaint received 2024-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

On XX/XX/XXXX, I received the attached response ( see MOHELA In-School Deferment Waiver Response.pdf ) from MOHELA to XXXX complaint submitted through their online portal on XX/XX/XXXX. 

In my original complaint, I noted that " [ o ] XXXX XX/XX/XXXX, I requested a document to potentially waive future in-school deferments for when I might go back to graduate school so that payments during my enrollment would count towards XXXX. '' As I have not finalized my plans yet and still am waiting on admission to doctoral programs, I also stated in the same complaint " that I am only provided with the document at this time as I have not finalized my decision yet on whether I will or will not waive my in-school deferment. '' MOHELA eventually provided me with the form I would need to submit for a waiver on XX/XX/XXXX. I have not yet turned in the signed request because I still have not been accepted by doctoral programs and have not decided on my final plan. 

Despite this, MOHELA sent me the attached letter that states that my " XXXX XXXX XXXX form has been processed and approved. '' This information is false as I have not returned the waiver form that MOHELA provided me. There is no way a form I never submitted could have been " processed and approved. '' I am still awaiting admission to doctoral programs before deciding whether I will or will not submit the waiver. MOHELA is providing false information about my loans as they have never received the form. I wish for MOHELA to correct the record to indicate that, while they have provided me with a copy of the in-school deferment waiver form for my signature, they have not received a completed form yet, and as such, there is no way they could have approved my waiver request yet.
Consumer complaint received 2021-06-15
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 — Investigation took more than 30 days
Company: LD Holdings Group, LLC (AZ)

I filed for bankruptcy in XX/XX/2021. I received my discharge in XX/XX/2021. My discharge did not include my mortgage. I continued to pay my mortgage on time during the pendency of the bankruptcy. My mortgage was never discharged. My mortgage company is continuing to report that my mortgage was discharged and I have a XXXX  balance. I receive a statement every month showing the current balance. I have also printed out my payment history during the time the bankruptcy was pending and it all shows my payments were made on time. I have asked XXXX  and XXXX  to correct this to indicate that there is a balance, and that I have made my payments on time, and that this was not discharged in bankruptcy. After their investigation my mortgage company still refuses to update this information which has a negative impact on my credit.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CO)

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX has access to my identity. He switched my password, email, and phone number on my Wells Fargo account. The switch triggered a notification within Wells Fargo 's computer system and they notified me. The card has been since locked. I was notified before any charges were made. Good on Wells Fargo. Get the ID theft XXXX.
Consumer complaint received 2016-04-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (PA)

I was a mortgage holder with Freedom last year. I proceeded with a refinance that closed at the end of XXXX, XXXX. For some reason there was an issue between the title company payoff and Freedom. This resulted in an outstanding balance on my account ( which should have been closed ). I received a bill for XXXX XXXX and called Freedom immediately. I was told by the customer rep that it was an error and that the account should be closed. I then received a bill in XXXX and called again. They were 'looking into it. ' After this call I engaged my new lender and their title company that had processed the transaction. I authorized the title company to speak with Freedom on my behalf. This whole issue was supposed to undergo a 'management review ' on XXXX/XXXX/XXXX. This is more than four months after the initial issue. Since that time the review has been pushed back to XXXX/XXXX/XXXX, and as of this writing ( XXXX/XXXX/XXXX ) I have not heard of any resolution. I have spent HOURS on the phone with Freedom trying to resolve this. It needs to be corrected NOW. My credit score has also dropped by over a hundred points since this began.