davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OR)

I received a letter from Ditech Financial LLC stating : " This is a legally required notice. We are sending this notice because you are behind on your mortgage payment. We want to notify you of possible ways to to avoid losing your home. We have a right to invoke foreclosure based on the terms of your mortgage contract. '' The letter continued on with the options BUT the reason this is an issue is that I have made the final mortgage payment. I obtained a payoff quote on XX/XX/2019 stating the amount of the payoff on the account was {$460.00}. I was informed the funds needed to be certified and sent to the payoff address instead of the regular payment processing. I obtained a money order from XXXX XXXX in the amount of {$460.00} dated XX/XX/2019. I then mailed the payoff quote and money order to : Ditech DEPT CH XXXX XXXX XXXX, XXXX through my local post office with tracking. Tracking # XXXX which was said to be delivered on XX/XX/2019. On XX/XX/XXXX I called Ditech and spoke with XXXX ext. # XXXX to ask why I still had a balance on my account that was showing past due {$460.00}. She informed me that my payoff check had indeed been received and was processed on XX/XX/XXXX but that their computers were being upgraded so that nothing was showing as to the account being cleared and paid off. She told me to call back in a wee and it would be taken care of by then. So I then looked at my account on XX/XX/2019, a week later and the balance was now showing {$690.00} past due. I again called Ditech and the person I spoke to didn't give me her name. I explained the whole situation again and asked how can I have an increase in balance a week later when the payoff amount would be the TOTAL due on the account and nothing more. I can't owe more than what the payoff amount is. She told me the system is updating and I just need to be patient and there is nothing she can do. I told her that now its saying past due which is being reported on my credit as late payments and she said again there is nothing she can do because the system is updating and it will get fixed when it gets fixed. I informed her they can't do this and my credit is being affected and I will be getting a hold of a lawyer and she hung up on me. I have all the documentation of when the check was received and the exact payoff letter. I can not be in foreclosure if they would process things in a timely manner. Basically the money is there but not applied to my account and they are adding on more payments even though they can't do that.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX  XXXX ; Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00}.
Consumer complaint received 2019-04-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Buffaloe & Associates, PLC (TN)

XXXX XXXX has a law firm collecting on the the debt, I have mad payment arrangements and have bee paying on the debt. XXXX  is refusing to report payments made under the agreement as of XXXX. XXXX XXXX subsequently reported on my credit a missed payment for all the months prior to the payment arrangement. Now that I have made payments they are refusing to update the status of the agreement but reflecting the payment, balance change but still in a charged off status. Im currently in the process of purchasing a home and can not get funding do to the status of the account. I even offered to pay the balance off in full but they still stated they were unable to change the status of the account at this point. XXXX XXXX totally removed the account from their systems and only refer conversations to the law firm of Buffaloe  and XXXX XXXX, who does not partake in any of the credit reporting. They are damaging my credit and refusing to update the status. This account is also 8 years old.. and should not be on my credit at the time it was scheduled for litigation.
Consumer complaint received 2019-04-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (VA)

A loan was taken out from a company called Speedycash. I then realized the loan was a complete rip off and was illegal in the state if Virginia. No online loans are legal in Virginia. The company would not acknowledge. It was turned over to XXXX XXXX collection agency which I disputed explained the loan was illegal and not enforceable. XXXX XXXX then placed a collection on my credit report which is illegal.
Consumer complaint received 2019-04-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KY)

I have been receiving upwards of 5 calls a day from Wells Fargo about my past due account. I am only 1 month past due and awaiting a workers compensation payment. This has been going on all month. I have told Wells Fargo I am happy to make the account current once I receive my workers compensation payment, but they continue to call me 5x/day asking for payment. I have updated my contact information on their website, removing my phone number from the account, but they still continue to call me. Harassing me daily does not make the Department of Labor pay my claim any faster.
Consumer complaint received 2018-08-31
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: Fidelity National Information Services, Inc. (FNIS) (TX)

XXXX  XXXX XXXX Missouri is being reported on to the file that your company maintains up under my personal information. I have never had an account with XXXX XXXX XXXX. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered your bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2020-07-30
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. (AR)

I pulled my credit to myself for the first timeand I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$16000.00} XXXX  XXXX {$1400.00} XXXX   XXXX {$360.00} XXXX  XXXX {$260.00} XXXX  XXXX {$120.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$930.00} XXXX  XXXX {$250.00} XXXX   XXXX  XXXX {$980.00} XXXX XXXX XXXX  XXXX {$1800.00}
Consumer complaint received 2018-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (CA)

This company keeps calling my phone, sometimes 5 or 6 times a day and usually does not leave any messages but they did one day telling me they want me to call them back immediately. I looked their number up on-line and found them to be a collection company in Missouri calling me in California. I called them and was on hold for " the next available representative '' and then was sent to an answering machine where I left a message, including my phone number, telling them I am a XXXX year old woman, with all my debts paid and I do not owe anyone anything and to stop calling me. They continue to call, hang up, and so I added them to my phone blocking system so their calls can not get through. I do however still see even though they can not get through to me, that they still call several times a day even after being told I do not owe anyone anything and to stop calling. If they do not stop, I will sue them in California for {$1100.00} per phone call which would now earn me well over $ 100.000.00+ with all the calls they are making after I asked them to stop! 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Web : XXXX
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE (WI)

On XX/XX/2017 in my divorce paper the loan for a Motor home with Huntington NTL Bank {$27000.00} was suppose to be removed from my name and my ex husband was suppose to take care of that. He has not removed my name so it's still showing up on my credit report and I can't get a loan.
Consumer complaint received 2019-04-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (VA)

A loan was taken out from a company called XXXX. I then realized the loan was a complete rip off and was illegal in the state if Virginia. No online loans are legal in Virginia. The company would not acknowledge. It was turned over to Ad Astra collection agency which I disputed explained the loan was illegal and not enforceable. Ad Astra then placed a collection on my credit report which is illegal.
Consumer complaint received 2019-04-03
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. (CA)

The reason for my writing this letter is that this company is being unreasonable and not adhering to the law in regards to identity theft. I am a Victim of Identity theft, My personal information was compromised, I don't know who did this but with it came fraudulent account opening under my name. I did not benefit anything from this unauthorized accounts opening. 

I disputed with this company on XX/XX/XXXX. My letter had explained in detail of my Identity theft status. I even attached documents to prove my case. but to My surprise, this company completely ignored the law that requires them to delete within 4 days. 

Below are the fraudulent accounts that I NEED to be REMOVED/BLOCKED from my credit report : XXXX XXXX XXXX, XXXX # XXXX, Date Opened XXXX XXXX XXXX , XXXX # XXXX, Date Opened XX/XX/XXXX. 
XXXX/XXXX XXXX, XXXX # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX, XXXX # XXXX, Date Opened XX/XX/XXXX XXXX XXXX place in, XXXX # XXXX, Date Opened XX/XX/XXXX XXXX   XXXX XXXX # XXXX, Date Opened XX/XX/XXXX I am attaching herewith The letter i sent to this company and my FTC identity theft report for your reference and review
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi, I was actually talking to a representative from XXXX XXXX XXXX and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, XXXX requested the credit reporting agencies delete the XXXX tradeline related to your account from your credit bureau report.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TX)

In XX/XX/2018 XXXX XXXX XXXX closed my account without telling me. I continued to make my monthly payments thur XXXX 2018 when I made my final payment of all my money that was charged before XX/XX/2018. Since then until even now I am being charged late fees on their interest over and over which are not my charges because my account is closed and I can't make new charges???? But they say I am being charged for no payment on charges I made, how? when it is closed? I would like this stopped now please or else. 
XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX  of this United States of America.
Consumer complaint received 2019-04-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bristlecone, Inc. (VA)

I got this loan for XXXX I made a couple payments on it before I ended up out of work due to medical reasons. I called to explain this the loan was actually a lease on a puppy. When I spoke to them the lady said if I could care for the puppy I should be able to pay my loan. The loan eventually was put into collection and now is totally XXXX. This is outrageous is there any thing we can do. I feel as if I have been taking advantage.
Consumer complaint received 2020-12-17
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/2020 I received a communication in the form of a letter from TRANSWORLD SYSTEMS INC. that was dated for XX/XX/2020. I was shocked and offended to receive this communication because I had just moved to my new residence which was in a new state and never gave this Debt Collector permission to contact me nor did I give them my addresss. The communication stated that my account was placed in collections with TRANSWORLD SYSTEMS INC by XXXX XXXX XXXX XXXX. The alleged debt was for {$1100.00} to be paid immediately upon me receipt of their communication with me and to paid by check or money order to TRANSWORLD SYSTEMS INC. Unfortunately For TRANSWORLD SYSTEMS INC. They are in violation of Federal Law Under the FDCPA. I compiled a list of violations and sent an affidavit via XXXX certified mail on XX/XX/2020 to TRANSWORLD SYSTEMS INC ' s Mailing address in XXXX, Louisiana and Headquarters in XXXX XXXX, Illinois. TRANSWORLD SYSTEMS INC received both affidavits on XX/XX/2020. The affidavit that went to XXXX, Louisiana was received at XXXX XXXX by someone named Sessions and the affidavit that went to XXXX XXXX, Illinois was received at XXXX XXXX by someone named XXXX. TRANSWORLD SYSTEMS INC was given 15 days to respond to the affidavit but has not done so. Today is Thursday XX/XX/2020 and I am now contacting the CFPB to get this matter resolved.
Consumer complaint received 2021-02-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (PA)

I applied for re-finance loan with LoanDepot.com in XXXX XXXX. They started with collecting appraisal money and obtain appraisal on their own. They did not inform me the results for several weeks despite asking them and calling them for results. When I received the results, it was lower than expected. I again wanted to discuss these findings with the lender but did not get response for days. When I finally heard from lender, they required me to change the terms of the loan. I agreed to it but then it days to get response from them about next steps despite leaving voicemails and emails. When I do get response from them, they asked for additional documents even though only change in the loan was new lower amount. I provided additional document but took them days to asks for more documents. Now days has gone passed and I am asked to run my credit check again in XX/XX/XXXX because it has been too late since the original check. There has been no clear answer when the loan will be closed. The representative have been communicating very poorly. The customer service department can not get hold of anyone when I tried to call them multiple times. Anytime I call the representative, it goes to voicemail. They do no response to voicemail as they don't even listen to it. Because they agreed to provide me loan I declined other loan offers at the time. Now the interest rate has increased and I am not able to get same offers back. I would be paying thousands of dollars more over the course of the loan for going to another company. But LoanDepot is not providing any clear answers as when my loan will be closed. I am unable to move forward with other items that I have to do - such as pay off car loans and student loans as I don't want to impact my bank balance before closing. The large company - LoanDepot says their priority is customer service but I am not getting any service from you. The experience has been frustrating. 

The company also added charges on the loan disclosure that were not there previously. When called to inquire about them they offered me 'compensation ' for those charge on the phone conversation. I have not seen any documents stating this compensation clearly.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (PA)

i recived notice from XXXX that my account was comprimised and that a transation was made and that they froze it and took care of, however looking at my bank statement on my debit card i noticed that the transation had cleared and that i never got refund, i notified XXXX and was told it was the frade transation and it would be removed, a week later it's still there and is showing as cleared, XXXX refused to refund, i sent several emails to XXXX XXXX and XXXX and never get a reply back and there refuse to take care of it even though on a record line they said it was the frade charge, i have proof the transation cleared and proof i never got a refund for it. 

The bank said only way to dispute this is to close the card and mail me a new card but i work in the feild traveling for work so i can nto go without a card so i have no choise but to either take the loss or have XXXX refund, XXXX is refuseing to refund. That charge amount is abnout XXXX and cleared on the XX/XX/XXXX and was charged on the XX/XX/XXXX. there is also XXXX orders in my account for this amount or dates. 

i want my money back ASAP.
Consumer complaint received 2023-07-24
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. (TX)

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (FL)

I have repeatedly requested clarification from Statebridge Company as to their charging of {$370.00} per month for what they claim to be escrow. Statebridge had been charging me for forced placed insurance since XXXX, according to their response to the CFPB complaint, although I have never been without my own insurance for the property in question. I had faxed proof of insurance to Statebridge, to a fax number they provided but later claimed to not be associated with. The same number ( they claim to have no association ) is currently being used by them so their claim to not have received my faxed insurance docs is false. Statebridge eventually acknowledged receipt of insurance coverage and stated they would be sending a check to me for the fees they wrongly charged. In a conversation with team lead, XXXX, the amount of {$1700.00} was quoted by XXXX to be the amount of the payment they sent on the XXXX of XXXX. 
The XXXX and XX/XX/XXXX mortgage statements I have received show an amount of {$5900.00} ( approximately ) as the current balance of my escrow account. This amount is in excess of the amount needed to cover my property tax for the entire year. Although my escrow balance is approximately {$1700.00} more than needed to pay my taxes for the year, Statebridge continues to assess me {$370.00} for taxes ( funding the escrow account ). The {$1700.00} payment claimed, by XXXX, to have been sent to me on XX/XX/XXXX has still not been received. 
On XX/XX/XXXX, I received an email from Statebridge Team Lead, XXXX XXXX, claiming to have forwarded my inquiry regarding the escrow charge and missing payment of {$1700.00}. To date, I still have not received the payment or an explanation for the {$370.00} monthly escrow charges.