davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC (TX)

RE : LETTER OF CANCELLATION OF DEBT To : Consumer Financial Protection Bureau My name is XXXX XXXX, Im filing this complaint against Ditech Financial LLC located at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX AZ, XXXX. My complaint is regarding not receiving a debt cancellation letter from the company because they foreclosed on my home and mailed me a 1098-A. 

In XX/XX/XXXX I requested a modification from XXXX XXXX XXXX ( See Attachment A ) these are the individuals I purchased my home from in XX/XX/XXXX.  At the time of the request XXXX XXXX loans were serviced by Green Tree Services. I went through the XXXX Program ( XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX to get refinanced for a lower interest rate on my home. After submitting paperwork through XXXX and to Green Tree, Green Tree responded by saying We service your account on behalf of an investor XXXX XXXX  XXXX or group of investors XXXX XXXX that has not given us contractual authority to modify you account under the HAMP ( See Attachment B ). 

I re-applied in XX/XX/XXXX for the HAMP program through a new servicer for XXXX XXXX which is Ditech Financial LLC, after completing the request to refinance through the HAMP program they responded by saying We service your loan on behalf of an investor group of investors that has not given us the contractual authority o modify your loan under the HAMP ( See Attachment C ). After being refused for refinancing for being in my home over 16 years, the home was foreclosed in XX/XX/XXXX ( See Attachment D ). 

In XX/XX/XXXX I received a collections letter from Ditech indicating that I stilled owed {$41000.00} on the foreclosed property ( See Attachment E ). I reached out to them via certified mail requesting information regarding the foreclosure ( Attachment F ). The responded by indicating they were looking into the matter ( Attachment H ). 

In XX/XX/XXXX I received a Form 1099-A for XX/XX/XXXX( Attachment G ). The 1099-A form indicates that its for Acquisition or Abandonment of Secured Property which is completely wrong. As I have indicated with proof I have tried to refinance through government programs to save my home. However, they were never accommodating to any request. The XXXX program indicated to me that since they wouldnt comply with government regulations that I couldnt use them for modifications or refinancing of my home. 

Im requesting a letter of cancellation of debt from Ditech since the company has submitted a 1098-A that has to be filed with my XX/XX/XXXX taxes. They refused to help me on several occasions, therefore anything outstanding per Ditetch, this debt should be cancelled ( Attachment E ). 

I look forward to hearing from you regarding soon this matter, you can contact me through mail at XXXX XXXX XXXX XXXX, TX XXXX or through email XXXX. 

Respectfully, XXXX XXXX
Consumer complaint received 2019-03-19
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. (MO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on a loan with the XXXX/XXXX - partial account numberXXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My identity was stolen back in XX/XX/2013 and someone used my information and made fraud transactions of {$70.00} which I have no knowledge about. 
And I have problems now in the XXXX XXXX B of A Checking Acct no XXXXXXXX Routing No XXXX I am attaching the police report as a result of identity theft
Consumer complaint received 2019-06-12
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (MN)

Hello, This category is not perfectly correct for my situation, but I attempted to find the one best suited. With student loan debt being the single biggest financial issue facing my generation, I thought I should due my diligence and report this issue. I hold private student loans through Wells Fargo, nearly {$25000.00} worth of them. First, I had focused on paying off my government owned student loan debt, and never directed an over-payment to my private loans. I wanted to open up more of my income by paying off the smaller loans first in case the worst should happen. 

On XX/XX/2019 I tried to make my first over-payment towards my higher interest student loan at Wells Fargo through my online banking application. As a personal banker myself I have a pretty decent competence with financial matters. After scouring for ways to pay towards principle only, it seemed as though there were no options online. I could only make " regular payments '' which would pay interest first, then be applied towards my regular payments instead of being directed as an over-payment towards the principle such as many do ( myself included ) with their mortgage loans. Figuring they were just being sneaky by trying to make it harder on my tech savvy generation to reduce our debt burden in the proper way, I decided to grab some cash and go to the bank in person to direct an over-payment towards principle only. 

After some discussion with the workers on XX/XX/2019 at the XXXX XXXX XXXX. Wells Fargo Bank in XXXX XXXX, MN they had refused to allow me to place a payment towards principle only! I should mention that I am, and have always been in good standing with my student loans. No late payments ever, and they are set up with auto-pay. So they have no viable reason to refuse my over-payment towards principle only. Filled with frustration, but ever cordial, I asked for a number to call their student loan department. Minutes later on XX/XX/2019 I remained on hold quite some time waiting for a representative. After a discussion with them, it was clear that Wells Fargo would not allow any payments to be made towards principle only. Simply " regular payments ''. As this would be extremely illegal to do with mortgage loans, I feel it is my obligation to report this mal-practice and unfair treatment towards recent graduates. 

I hope to learn from you that something is already in the works to protect students during our attempts to fight off exorbitant student loan debt. 

Thank you.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to dispute recent inquiries made by XXXX XXXX XXXX on my account with capital one. Despite my efforts, these inquiries have not been removed from your platform, causing me significant concern and inconvenience. 

On [ date ], I became aware of unauthorized inquiries from XXXX XXXX XXXX  on my account. Upon investigating, I discovered that these inquiries were not initiated by me nor were they authorized by capital one. I promptly contacted capital onecustomer service department to address this issue, but unfortunately, the inquiries remain on my account. 

I believe these inquiries are inaccurate and unjustified, as I have not engaged in any activity that would warrant such inquiries. Moreover, the presence of these inquiries on my account could potentially harm my credit score and financial reputation. 

Therefore, I am formally requesting that XXXX Bank take immediate action to remove the unauthorized XXXX XXXX XXXX inquiries from my account. I have enclosed copies of relevant documentation, including proof of identity and account ownership, to support my claim. 

Additionally, I would appreciate regular updates on the status of my dispute and a resolution within a reasonable timeframe. 

Please acknowledge receipt of this letter and provide information on the steps being taken to address my concerns. I can be reached at the contact information provided above if you require any further clarification or documentation. 



Remember to include any relevant account details or reference numbers when sending the letter. Additionally, sending the letter via certified mail with a return receipt requested can help ensure it is received and acted upon promptly.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (PA)

On XXXX XXXX I had a notice in the mail from XXXX in regards of my credit application which I had got denied for due to the inaccuracy on my consumer report. I didn't give any one written or oral consent to furnish anything on my consumer report without my knowledge, before taking any adverse action based on the whole report, the person intending to take such adverse action shall provide to me as the consumer a copy of that report. My consumer rights have been violated through deceptive practices. Consumer reporting agencies is supposed to exercise their grave responsibilities with fairness, impartially, and respect for the consumer.
Consumer complaint received 2024-03-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to dispute a late payment entry appearing on my credit report. Upon reviewing my credit report, I noticed an entry for a late payment on XXXX XXXX XXXX XXXX for the month of XX/XX/2023. I believe this entry is inaccurate and request that it be investigated and corrected accordingly.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I receive SSI benefits on the 1st of every month and my checks are automatically deposited into my checking account with Chase Bank. 

But I recently closed the checking account my checks are being sent to and never gave the Social Security Administration my new account number with Chase Bank so my check for the month of XXXX was sent to a closed account. 

Chase told me I didn't have to inform the Social Security Administration because my checks would be automatically transferred into my new account but that didn't happen.

I contacted Chase about this but instead of them just transferring my check into my new account they made me file a claim, which includes a stupid, lengthy and totally unnecessary investigation.

Even one business day is too long when someone need their check to pay their rent and buy groceries. Chase Bank claims process prevented me from doing both. 

Chase Bank policy and claims process is exactly what consumers need protection against. 

Please made them give me my money. I NEED IT NOW.
Consumer complaint received 2018-06-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Trust Management LLC (MI)

This letter was sent to XXXX XXXX XXXX of XX/XX/2017. 

XX/XX/2017 Dear XXXX XXXX  XXXX, It has come to my attention that payday lenders must be licensed by the state of Michigan to offer loans to it residents and your interest rate should be capped. Since your company has no license in my state, and you have illegally charged me with a high interest rate, the loan contract I have with you is believed to be not valid. Although I was not legally required to do so, I have repaid the principal balance of the loan. I received a deposit of {$600.00} on XX/XX/2017 and have had 5 bi-weekly withdrawals of {$120.00} debited from my account. This results in payments totaling {$630.00}, therefore I will be making no further payments. 

I am also revoking authorization for any wage assignment I may have signed. Any future attempts to collect funds in the manner will be blocked. Please respond to this email with acknowledgement that my account has been satisfied in full via email. All future attempts to contact me should be by email only at XXXX. Please discontinue to call me at home and or at work.
Consumer complaint received 2016-05-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I had a bank account with Bank of America and closed it because they held a deposit that caused my account to overdraw. All the did was apologize so I closed the account and paid off the checks that did not clear now they are billing me and reported to checks system that I owe them {$430.00} they see that I withdrew {$1900.00} to pay off checks because of their mistake and want me to pay XXXX of the {$430.00} this was their error and it cost me even more. I want this account to be resolved and deleted also a fraud investigation opened because they have been stealing money specially from XXXX customers. Please call me XXXX XXXX XXXX.
Consumer complaint received 2019-06-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. Collections West, Inc. (VA)

I received collection letters from U.S. Collections West, Inc. Each letter had a different amount listed of money owed. I contacted them to find out what the debt was for and why I had received letters stating different amounts being owed. I spoke to XXXX XXXX. She was very rude to me on the phone and hung up on me mid sentence when I was trying to dispute the validity of the debt. I requested documentation for money owed adding up to the total amount owed. She initially refused. Upon further argument she still refused to mail said documentation to me and claimed she would email me. I still have not received any documentation in regards to said money being owed. She threatened me with legal action and told me she would garnish my wages.
Consumer complaint received 2020-09-16
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: CITIBANK, N.A. (NJ)

On XX/XX/XXXX XXXX  XXXX  charged my Citibank credit card, this credit card had a different number that I never shared with XXXX  XXXX. 

XXXX XXXX refuses to cancel the membership even tho theres not even a XXXX XXXX on our state and they never let me know they were gon na reinstate charges.
Consumer complaint received 2019-04-11
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. (AL)

I noticed a few issues with the bankruptcy on my credit report. I contacted the bankruptcy court that was listed on my credit reports by mail. 
The bankruptcy court ( letter attached ) responded they did not furnish the data or verify bankruptcy with the credit bureaus. 

I asked the XXXX, Equifax and XXXX to please provide the documentation and a description of the procedure used to determine the accuracy and completeness of the information. This must include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such a furnisher. 

Please note, a third party furnisher of information, such as PACER, XXXX XXXX  or an alleged creditor does not meet the standards set by the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ). Only the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third party proof according to the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ) The credit bureaus all responded that the debt was verified, although the bankruptcy court replied they did not verify anything.
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc. (VA)

My XXXX XXXX credit card account, originally at XXXX XXXX XXXX, had missing statements ; address was being changed without notifying me, the cardholder. Amazing amounts of charges appeared & my requests for information as to what/when purchases were made, etc., were ignored. I ordered the account closed in XXXX & about $ XXXX in new charges suddenly appeared. Several monthly statements were still missing & I kept paying for the items I knew about, based on my records at that time. The bank & the account were bought by XXXX and the problem continued. There were several harassing phone calls each day, but I finally finished paying what I had owed, in XXXX. XXXX still refused to let me see what the fraudulent charges were for, and tried to sue me, until the alleged debt case was dismissed in XXXX Civil Court in XXXX. Several times since, different people have contacted me to claim I somehow owed them $ XXXX for this long-closed account. Now this XXXX Solutions company keeps having collectors try to intimidate me into paying what I can not owe. The XXXX demand form letter was delivered to an address I have never been associated with, and was recently forwarded to me by a concerned resident from the location it was delivered to. This looks like a criminal action on XXXX 's part.
Consumer complaint received 2022-04-04
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Morning, I was notified of several hard inquires that hit my credit that i did not initiate. There were XXXX hard inquiries at the end of XXXX and today I was notified again of XXXX more inquires! 
I did not make these inquires and there are now a total of XXXX and I do not believe it will stop here. I need assistance in stooping what is happening to my credit. There are multiple company 's and I have tried contacting them. 
Thank you for any assistance, XXXX XXXX
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NV)

I have a debt collection on my credit report from Midland Funding LLC I've been trying to have removed ever since i seen it. I've asked Midland Funding for details in regards to how they've come up with the number of {$270.00} they have never produced anything. I believe this collection account stems from a auto renewed XXXX membership that was tied to a XXXX i think its from back in 2016 that account was never supposed to have been auto renewed when it was i called XXXX and they said they reversed the charge and stopped it from auto renewing i literally never purchased on that card however i cant be sure that its that same account because Midland Funding has never produced a detailed list of what the debt actually is. Ive spoken with midland multiple time trying to dispute this but have gotten nowhere any help you can provide for me id be grateful for thank you
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXXXXXX XXXX XXXX   XXXX XXXX FL XXXX 4. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX T XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6.  XXXX XXXX XXXX 7. XXXX XXXX
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (TX)

I sent disputed to Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-04-16
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. (IL)

NO MISSED PAYMENTS XXXX  XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX   XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX  ACCOUNT # XXXX XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX CARD XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX   XXXX XXXX XXXX XXXX XXXX, DE 19850 ( XXXX ) XXXX XXXX XXXX Non authorization XXXX XX/XX/XXXX, XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS EXPANSION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX (  XXXX ) XXXX