davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MN)

Ditech makes up amounts for payments and late fees. They misapply payments and late fees to create defaults. I have complained to Ditech numberous times about their practices. They refuse to do anything about it. I have requested a copy of a default letter to provide the date. They refuse to provide it. When i call my appointed representative, it ALWAYS goes directly to voice mail and no call back is ever received, even when Ditech is given express permission in the voice mail to do so. They are a corrupt and fruadulent company and need to be shut down. In XX/XX/XXXX, I cured a default, which included lates fees. Today, I called to let them know I was curing another default, supposedly complete with late fees. When i asked about the late fees, I was told that they have some fees from XX/XX/XXXX and XX/XX/XXXX. I explained to them that this was impossible as the amount paid in XX/XX/XXXX brought the entire account CURRENT, INCLUDING late fees. Still, this default is for 2 months of payments and late fees supposedly. My late fees are {$41.00} and I was told and have it on RECORDING that they can not raise my late fees. I have been charged as much as {$100.00} in late fee, even though they tell me that by law, they can not go over the {$41.00}. Today they are charging me {$160.00} in late fees, which does not add up to two late fees or even three late fees. Not to mention a late fee was included with my payment for XX/XX/XXXX. My payment is {$1200.00} and I paid {$1200.00} Where did the additional money go? Green Tree is not applying payments to my account correctly and admitted as much today when they claimed they were still charging me for late fees in XX/XX/XXXX and XX/XX/XXXX!!! Then the rep changed the story when I told her it was IMPOSSIBLE that there'd be any late fee prior to XX/XX/XXXX still owed on this account. Someone needs to ensure that this company applies funds correctly to all consumer accounts. If they can not do so, then there are plenty of financial institutions who will.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX account number XXXX,, XXXX XXXX XXXX account number XXXX have not supplied proof under the doctrine of ESTOPPEL by silence ENGELHARdt v. GRAVENS ( MO ) 281 SW 715, 719, I presume that no proof of the debt, nor therefore any such defect, therefore exist.
Consumer complaint received 2019-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MN)

I've have file a complaint once before about American Education Services aggressive collection practices. Per the recommended resolution of my 1st complaint, i enrolled into their direct debit program. I stopped the scheduled direct debit from happening on XX/XX/XXXX using AES online website. On Thursday XX/XX/XXXX @ XXXX CST, I called to ensure that my direct debit was in fact cancelled for the XXXX of XXXX and the payment moved to the XXXX. The agent i spoke with on XX/XX/XXXX informed me " the payment I submitted to be debited from my account on XXXX was already in process, in fact it was already sent to my bank for withdrawal. '' On the morning of XX/XX/XXXX, i received an email saying that my account was more than 8 days past due?? When i called American education services, i was informed that my payment was cancelled with no notes on when, who, or why it was cancelled. Nor was i sent ANY correspondence telling me it was cancelled. I repeatedly asked the 2 agents i talked to today ( XX/XX/XXXX ) to pull the call record from Thursday XX/XX/XXXX @ XXXX. The agents did and said nothing, only that they had no information the cancellation of my payments BUT they have already repeatedly contacted my cosigner ( and not me the borrower whos making all payments and whos contact info is listed ) multiple times again using aggressive tactics, mis information and not giving any type of accurate information. I was also hung up on by someone in the complaint department after providing my bank account information to pay the " past due bill ''
Consumer complaint received 2019-05-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

I modified my mortgage back in XXXX and was told that I would have to pay back an amount when I sold or refinanced which I was ok with. I then refinanced my house in XX/XX/XXXX and the pay off sent to my mortgage lender by Wells Fargo wasn't including this amount. XXXX XXXX investigated it and discovered that well s Fargo mistakenly sent a short pay off. The title company included the 2nd lien ( HUD modification pay off ) in their request. 

Wells Fargo has been rude when I called and haven't been helpful at all. The treasury Dept. has added additional fees to the pay off because the lien wasn't paid when I refinanced. The additional fees are extreme and I feel Wells Fargo is responsible for these fees because they made a mistake when they sent the pay off. In addition, my credit has plummeted because the collection has been reported. I'm wanting to list my house and buy a new one but now my credit is low due to this collection. Not to mention the fees from the Treasury department are in excess of {$15000.00}. Like many people, I depended on others in a specialized area to do their job and I really was unaware of the error in the payoff. I really need someone to help me because I'm not financially literate when it comes to these type of situations.I 'm selling my home before I really want to because I'm concerned about this lien.
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST MIDWEST BANCORP, INC. (IN)

In XX/XX/2019, I noticed there was a link to open First Midwest Bank account online, so I went through the link, filled all my information and submitted my application. A week later, I noticed my account was open and I had the online access to manage my account, so I used the ACH system to transfer my money to my new account. Everything looks good. However, two days later, I noticed I lose my access for online account and my debit card as well. Then I checked with the bank. They mentioned they need more documentation to open the account and activate it, and requested my to mail several documentations to certain location. I didn't feel safe to mail my personal info, so I refused to do that and requested to close my account and send me my money back. But they didn't allow me to do that. They don't allow me to close the account and didn't want to send me money back. Tried several numbers to fix it, but still can not. Right now, I still receive the statement from the bank, but I lose all the access to this account, even for my own money.
Consumer complaint received 2019-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (VA)

Yesterday, I went to the bank to meet with a Mortgage consultant. She checked my credit and told me there was a claim from Trident Asset Management for {$68.00} in reference to a XXXX bill from XXXX and the last time they filed a claim was XXXX. I have never had an account with XXXX-not cable, not cellular, etc. I received a letter from Trident asking for this money a couple of years ago, so I contacted XXXX, who had no record of me having any account with them. 

I had no idea that this had been affecting my credit since XXXX and would like it taken care of ASAP because I am trying to buy a new home. 

I have read numerous complaints similar to my own for Trident Asset Management. I can not reach them on the phone and I do not feel comfortable paying a company that is fraudulent.
Consumer complaint received 2019-05-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC (VA)

Miramed Revenue Group alleges it has an account pertaining to XXXX XXXX in their possession. Attached is the billing statement from that provider office. All dates of service were covered by insurance, however, the insurance company indicated that the provider coded improperly/different for the service date of XX/XX/2017. A co-payment was made as required by XXXX XXXX. Again, neither XXXX or the provider office submitted bills to the insurance company regarding XXXX. It can be ascertained that an adjustment was made to one bill by XXXX but not the other and neither were insurance adjustments. Therefore, these bills have been sent back to XXXX as well. Both the providers office as well as XXXX was addressed prior to this and no changes were made as of this date. However, I paid for insurance, therefore the insurance will be the primary payment and as already stated, I will be responsible for co-payments. Both dates of service provided the same care and XXXX, so there should not be any significant balances between the two dates of service.
Consumer complaint received 2019-10-04
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: Risecredit, LLC (SC)

I have a hard inquiry dated XX/XX/2018 from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX I never applied for credit with this company
Consumer complaint received 2019-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (TX)

I have 2 BBVA Compass accounts, 1 is a money market and the other is a checking account. I use my checking account at Compass as the main account that pays my mortgage so I do not use it as frequently as my other bank accounts. On Friday XX/XX/19, I submitted by mortgage payment through my mortgagor 's website. On Sunday, XX/XX/19, I went into XXXX 's  XXXX to purchase cookies for my children. I only had my Compass debit card which I used for the transaction. After purchasing the cookies we went back to the car and while eating our cookies I transferred money from my money market to my checking to make sure that there would be enough to cover my mortgage payment. On Friday, XX/XX/XXXX, I checked my Compass account and noticed that they returned my mortgage payment. I was furious and called BBVA Compass in XXXX, TX and spoke with branch manager XXXX. He looked at the account and told me they were " real time '' and there was not enough funds when the payment was presented to the bank. I explained that I immediately made the transfer and the funds should have been immediately available. He could not explain why the payment was returned. He offered to refund the fee, which he did, but this was not enough because I want to know what happened. They did the same thing to me in XXXX, returned by mortgage payment even though the funds were there. He offered to contact their " Customer Resolution Department '' and stated that it would take 2 business days. I called XXXX on Tuesday, XX/XX/XXXX, as he did not call me back. He explained that the account to account transfer was not completed till Monday XX/XX/XXXX and this is why my mortgage payment was returned. I advised him that the payment was not returned till Tuesday XX/XX/XXXX and he told me on XX/XX/XXXX that they are real time, so an account to account transfer should be immediate. He stated that when the payment was presented the funds were not there. I said to him, " So you are telling me that on Sunday XX/XX/XXXX in the 5 minutes that I went into XXXX 's XXXX  and came out to my car that magically my mortgage payment was presented to the back. That does not sound right! And even if it presented to the bank on XX/XX/XXXX, the funds were there because you just told me the transfer completed on XX/XX/XXXX. '' I asked for his manager, he advised me that his name was XXXX XXXX, District Retail Executive. I called Mr. XXXX 's executive assistant on XX/XX/XXXX and left a message for Mr. XXXX to return my call. I have not heard from Mr. XXXX or XXXX.
Consumer complaint received 2019-10-04
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: CURO Intermediate Holdings (SC)

I received a hard inquiry from the company below on XX/XX/XXXX and again on XX/XX/XXXX AND XXXX XXXX, XXXX : CURO MANAGEMENT, LLC XXXX XXXX XXXX XXXX XXXX, KS XXXX I did not apply for any credit with this company.
Consumer complaint received 2019-10-04
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

I have a hard inquiry dated XX/XX/2018 from : ONEMAIN XXXX XXXX XXXX XXXX, IN XXXX I never applied for any service or account with this company.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (LA)

Contacted Comenity Bank numerous times regarding a mycash master card application. Was constantly transferred from department to department, dealt with rude reps and poor customer service. I spoke to management who was also unable to provide any resolution.
Consumer complaint received 2023-03-18
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. (TX)

I sent a letter on XX/XX/2023, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again.
Consumer complaint received 2019-05-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (OK)

Okay, my problem is complicated. I may have to send three separate complaints against ( Santander USA, XXXX XXXX and XXXX XXXX ). Here is my problem. 

I have two lien holders listed on my non negotiable title. I live in Oklahoma. In early XX/XX/2013, I took out a loan with Santander USA, and in late XX/XX/2013, I had it refinanced with XXXX XXXX for a lower interest rate. On XX/XX/2013, Santander USA was paid {$17.00}, XXXX for my vehicle loan, meaning Santander USA was paid in full by XXXX, and thus, XXXX XXXX became my new lender and lien holder. Months prior to paying XXXX XXXX 's loan off, XXXX sold or transferred their auto loans to XXXX XXXX, which complicates matters. 

My local tag office in XXXX, Oklahoma, which provides clear titles, refuses to give me my full, and clear title, because they states Santander and XXXX needs to be removed as lien holders. Neither company ( Santander and XXXX ) sent in the proper paperwork to the Oklahoma Tax Commission, ( OTC ) removing their liens. In addition, XXXX XXXX  's transferee ( XXXX XXXX ) failed to send in proper paperwork either to temporarily add their lien and advised they were taking over XXXX, nor did they send in a lien release to the OTC. 

All of this has been a headache for me and it doesn't appear to be resolved anytime soon. Meanwhile, I am denied my clear title because of them. This is a clear violation and fraud. I will be sending separate complaints for each lender ( Santander USA, XXXX XXXX and XXXX XXXX ).  Please investigate. and help me get my clear title without liens on it. Thanks for your time. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-05-10
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. (GA)

Experian Credit reporting and XXXX want give me information about a bankruptcy reporting on my credit I called the court and they said they are not showing any information, I talk to both repairing agency they said they are getting the report from a 3rd party but they are getting from the court house.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2018 I went through financial hardship ( Lost my job ) and my account had a balance of {$870.00} with a {$1200.00} credit limit. When called by my creditor ( Which i had 2 years of On time payments with ), I described my situation and explained that i was actively looking for another Job. That I needed some time to get employed and receive my first check. I actively answered and gave updates when I found my new job. That Id be able to pay and that I only needed one more month or less for a minimal payment with my first check. I was told I needed to pay at least 2 months or the account would be closed which I couldn't afford and unfortunately it did.
Consumer complaint received 2019-05-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Loan Direct (TX)

My name is XXXX XXXX and I received a call yesterday from XXXX XXXX in which she introduced herself as a student Loan Advisor. I was under the impression that she was with my Federal student loans. XXXX spoke very fast and I had had a bad day already and really was not focused as to all the red flags that she was saying within a short timebut by then XXXX had already completed a contract. Yes, I should have been more focused but at the same time I was telling her that I could not afford the five up front payments that she was saying I needed to make. But let me reinerate that I thought at the time we were speaking with XXXX XXXX XXXX. At this time I am on forbearance with my loans because my husband was without a job for over 2 and an half years and we lost everything but our house.

I did e-sign the documents but it was not until she was completing this information that a true red flag hit me, sort of speak. She said that they were not associated with the Department of Education. That statement hit me with a ton of bricks. 
The contract states that I am to pay five months of XXXX per month and no payments after that until I was approved for part of my loan being forgiven. 
I am retired and on XXXX and people like this prey on the vunerable and you would think at XXXX that I would of clicked at the beginning but she was no nonsense and kind of pushed me through. 
I can not afford these kind of payments and Student Loan Direct should be ashamed of themselves for this kind of practice.This is a shame that there is this type of practice out there for people out there that have hit hard times and have vulchers like these companies. I did not want this in the first place and just feel that I was basically sucked in.
Consumer complaint received 2023-03-18
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. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX 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 2023-03-18
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. (CT)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EXPERIAN CREDIT BUREAUS is required to remove any inquiry not later than 4 business days after the receipt. Also, the information provided on some inquiry is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XX/XX/2022.