davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (GA)

To whom it may concern : Borrowers Name : XXXX and XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Our SS # is NOT on file with Ditech per customer service Loan account number w/Ditech : XXXX Concern : HOW CAN WE HAVE A WRITTEN OFF FRAUDULENT LOAN REMOVE that is NOT on any credit report. AND REMOVE A LENDER WHO IS OUT OF BUSINESS FROM OUR DEED AT THE COURTHOUSE. 

Summary : XXXX XXXX was the original 2nd lender on our mortgage 15  yrs ago. ( 80/20 ) Then the debt has been sold several times and then Ditech bought out the last company. The loan was written off in XXXX but Ditech keep sending collection notification and calling trying to collect on $ XXXX so call debt. This debt which was a 2nd loan used to close my home mortgage. We hired an Audit firm to review our original loan documents and there were several discrepancies that were found when our loan was processed/closed. Based on the violations we had the right not to continue to pay the monthly payments on the 1st and 2nd mortgage. The 1st Mortgage servicing company modified our loan due to these discrepancies. Each time when it was sold, we informed the agency who bought the debt as to why we are not paying for a loan that is in violation. So now Ditech is stating they have a make shift lien on my house because since they owned the debt paper. But the deed at the courthouse has the original lender XXXX XXXX on it ( Which no longer exist ). I ask Ditech why don't they put their name on the deed since they owned the debt ( a XXXX from collections ) said that is not good business since?
Consumer complaint received 2019-07-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (SC)

I have returned the leased vehicle in the month of XXXX and attempted to pay dues and any other dues I am responsible. I was told by the dealer that GM finance will contact me but I never get contacted by GM or did not received any final statement to pay my dues. 

I even called three weeks back and requested to send the statement and it was not sent. when I realized that I did not received the statement, about a week back, I requested the GM Finance to post it online in my online account with them or send email to the email addressed that was linked to my online account or text me the dues. But GM Finance told me that they only mail it to my physical address or fax it to me. 

I was advised to wait couple more days. I called again to tell GM Finance that I did not received the statement, they told me that they initiated another request but I requested to connect me to a supervisor but I was told that the supervisor was not available. I requested a call back form the supervisor to explain the situation. But I did not get any call back. 

My intention was clear that I wanted to pay my dues as soon as I see an official statement and working with GM Finance for the last 4 weeks but they reported to Credit Bureau that my payment was late which I think is unfair.
Consumer complaint received 2019-01-12
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: Nicholas Financial Inc. (MO)

I sent a letter to Nicholas Financial Inc. on XX/XX/2018. I received a letter from them on XX/XX/2018 stating that the unauthorized credit inquiry would not be removed. This is hampering me from getting credit.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XXXX/XXXX/2019 XXXX-Date of inquiry XXXX/XXXX/2019
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2018-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/XXXX I received an offer from MasterCard that seemed to offer me a cash loan with no interest if paid back before XX/XX/XXXX. 
I took this offer up to my local Bank of America office in XXXX ( XXXX XXXX XXXX XXXX ) to see if they understood the offer the same as I did. I spoke to a girl named XXXX : After reading the letter/offer she stated that YES it was an offer with no interest if paid before XX/XX/XXXX and there was no fees and that I could write the blank check they sent me for {$10000.00} and I as long as I paid it back before XX/XX/XXXX there would be interest charged. 

I did this on XX/XX/XXXXand deposited it into my personal checking account. 

Problem : I received my bill from MasterCard on XX/XX/XXXX and they had charged me a {$400.00} transaction fee for the {$10000.00} check plus the statement said that my charges for the period plus the {$10000.00} was due by XX/XX/XXXX. 

Today ( XX/XX/XXXX ) I went back to the bank to question this. XXXX called MasterCard or somebody - maybe her B of A contact - and after over an hour on the phone with a lot of what I called " double talk '' someone named XXXX said he would waive the {$400.00} fee if I paid back the {$10000.00} loan right away. When XXXX called back to see if that meant by the XX/XX/XXXX due date they would not verify the {$400.00} waiver. 

I feel this original offer was very confusing and - after our phone call today - intentionally deceptive! 

I seek all remedies available including any punitive damages due for being subjected to false and deceptive advertising.
Consumer complaint received 2019-07-08
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL INC (NJ)

I contacted Coast Professional ( as indicated on my Student Loan Account ) in attempts to start repayment on my student loans. Of course I had so many questions and it seems the rep was frustrated. They wanted me to send them a photo of a note pad, that I'd taken with my phone, authorizing them to charge my account every month but when I included the dollar amount, they wanted me to delete that " detail ''. They'd asked me to send it stating that they could just withdraw the money each month. So basically I am writing a letter, telling them they can post date a payment ( with no set dollar amount ) AND they wouldn't send me anything in writing. 

I have read the reviews online and they aren't good. When I told him I wasn't sending him letter indicating that they could charge my account nor giving them my bank info the phone magically hung up.
Consumer complaint received 2019-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc. (MO)

In XXXX, I paid a medical bill to XXXX XXXX for XXXX. Several months later, I received a debt collection letter from Central States Recovery attempting to collect XXXX for a debt that was not paid to XXXX XXXX. 

The transaction date was XX/XX/XXXX. The posting date was XX/XX/XXXX. I spoke with XXXX XXXX and they said that, yes, I paid it. 

For 10 months, I tried to get Central States Recovery to remove this debt. It has negatively affected my credit score. 

Finally, Central States Recovery told me that they contacted XXXX XXXX and were told that it had been paid months ago and should never have been sent to them. 

My credit was just run again ( XX/XX/XXXX ), and it shows that I paid the debt. But it has not been removed from my credit report. So my credit score still has not recovered and is still negatively affecting my family. 

I am going in circles with this company. I have spoken with XXXX or XXXX at least 10 times. They keep telling me that they can't do anything else.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (TX)

I'm XXXX, XXXX, my vanilla gift card can't be used, it's on hold, I contacted the customer service representative on XX/XX/XXXX, he confirmed with me that there is a balance of {$500.00} in my card and told me that I will mail one Give me a new replacement card, I need to wait 7-10 working days, and today when I received the new card I tried to activate it, at first he said the number was invalid, then I tried again, it said it had been activated, the balance was only {$1.00}, I was shocked, I opened the envelope with my own hands, the {$500.00} card I just received, I Checked the consumption records, the card was used by someone on XX/XX/XXXX, and the envelope was only sent to me on XX/XX/XXXX, so they sent me a card with no money in the first place, right? I called the customer service and waited for 85 minutes. No one helped me solve it. They said they didn't know who used the card, so they had to ask me to dispute and submit receipts and other troublesome information, and then it was Endless waiting and relentless hang up, this is not my problem, it is the problem of incomm company, after I contacted the customer service representative to replace the new card on the XXXX, the old card that was originally on hold should be closed, obviously They should not have done this, why is my card on hold? Because there is a security risk, I need to change the new number immediately, but I contacted customer service on the XXXX to replace the new card, and the XXXX and XXXX are weekends again. Can anyone get a new card on the XXXX? It must be that the old card did not close the account of the old card in time. It was their mistake that caused me a loss. They asked for a new card for me. My original card number is XXXX and new card number is XXXX
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

Ocwen/PHH have engaged in what I feel is predatory lending behaviors as well as harassment. 

I was XXXX XXXX XXXX for 8 months and I tried my best to pay and did pay in full on time for 7 months. My savings ran out, had to begin begging and borrowing to survive, then decided to request relief with my mortgage. 

I applied for a loan modification, was denied and offered a forbearance. The agreement stated that if I did not agree to this contract I would not be considered for a loan modification or any other assistance. 

The statements were very misleading because they stated " Trial Modification '' but was enacting as a forbearance. 

I complained to them and they put me on a trial modification. The last month of the modification i sent in the payment, on time, but they cancelled the modification.Please see the attached communications for details. 

These two companies have terrible customer service, such as lying on me ( see attachment # 3 ), each representative provides a different story ( see attachment # 3 ) and appears to be trying to ensure I lose my house.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with the Fair Credit Reporting act. The account below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report my more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-21
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-21
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)

When I reviewed my credit report, I discovered that these accounts were 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 XXXXXXXX XXXX
Consumer complaint received 2019-09-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

I had a auto loan with XXXX financial, XXXX without any knowledge to me sold the debt to Jeffeeson capital for {$9200.00}. I was never contacted by Jefferson capital by phone, mail or any other means. I called XXXX because i totaled the car. They advised me that i needed to contact jeffeeaon capital So when i did i was told that ibowe the in excess of XXXX more that the car was every worth i ask forba brake down of the charges and was hung up on i called back for clarification asked for a manager and was told no one was available. I contacted XXXX against because i know i didn't owe them this amount when it was explained that they sold the the debt only for whatbwas owed XXXX not XXXX what Jefferson capital is trying to collect from me without explanation!
Consumer complaint received 2019-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

I have an account on my credit that does not belong to me called CREDIT COLLECTION SERVICE. I have asked for a signed documentation bearing my signature and I have gotten no response.I have disputed this account with all 3 credit bureaus. I get the same pre-made letter that this account MEETS FCRA REQUIREMENTS. I have attempted to resolve this matter to remove this erroneous account and no one seems to have investigated nor validated this account.
Consumer complaint received 2019-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (MD)

My bank which is a federal credit union, at first did not know of these convenience checks. The convenience check had a 0 interest. I used it and have been using for approximately 4 years now my credit card is ballooned with high interest. I also see as I told the Credit Union that I did not want insurance on the card because I am XXXX, but there was included in the monthly bill. I see also there are two interest rates totaling {$98.00} monthly charge. The convenience check was very deceiving because I thought there were no interest no where did I see an interest. This originated approximately 4 years ago and I was using these convenience checks one each month as it was sent to me on a monthly bases. I really would not have started using these convenience checks if I knew they would turn out with such high interest
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (VA)

I have tried multiple times online and over the phone to request my free credit report because my SSN has been stolen and I want to check if there has been any unusual activity on my account. However, I have just recently ( within the past 3 weeks ) moved also do not have enough credit history to receive an online report ( I just graduated from college and have not made any large purchases ). I have also tried several times online and over the phone to place a fraud alert on my account, and have again been denied multiple times.
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IA)

Credit card gets declined without warning of any kind even though balance is not even 1/4 th of my credit limit. I have no idea if and or when my card will be declined. Furthermore, after making an ACH payment on my account and supposedly crediting my account they continue to " hold '' payment and not allow card to be used. What and where is my money for 5 or 6 days? Not a single person at Citibank could answer my questions. My agreement says I have an {$11000.00} credit limit but there is no way that can be true if they decline my card with about {$2000.00} in purchases on it ( I pay it off every month )
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have tried multiple times online and over the phone to request my free credit report because my SSN has been stolen and I want to check if there has been any unusual activity on my account. However, I have just recently ( within the past 3 weeks ) moved also do not have enough credit history to receive an online report ( I just graduated from college and have not made any large purchases ). I have also tried several times online and over the phone to place a fraud alert on my account, and have again been denied multiple times.
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Deposited a check from XXXX into my Bank of America account via teller in the bank on XXXX XXXX   19. I was told by the teller that the money would be available at XXXX  XXXX on XXXX XXXX  19. On XXXX XXXX   19 my account stated that there was a hold on the total amount until XXXX XXXX  19. I have called twice and  obtained several different reasons why there was a hold, from there being a middleman that they work with that hasn't processed the check and they couldn't get in contact with ; to, the federal reserve was verifying the check and they hold on to it for 7 business days.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX I did a balance transfer with Wells Fargo and Zero Interest. 
Later had to use my credit card for purchases but I made a payment later to cover those purchases and be left only with my balance transfer at zero interest. 
Not using my credit now for several months I noticed I am being charged interest on purchases. When I reached out to wells fargo my call was escalated to a XXXX XXXX caseXXXX. 
He told me payments were allocated to my zero interest balance instead of covering my interest. I told him it was misleading decieving and benefiting wells fargo to allocate my payments to a zero interest and leaving a balance on purchases so they could continue to charge me interest! 
On wells Fargos recorded line he said an accountant would allocate the payments towards my purchases therefore I wouldnt continue to be charged interest. And could start paying down my zero interest balance. 
Now 3 weeks later no one wants to acknowledge what happened, what was promised even though they went back to recordings and heard it all.