davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (MT)

I requested my paper work on XX/XX/2019 for my pay history and also for my payoff .I have two remaining payments on my home that I have all the paperwork for but ditech refuses to send me my paperwork .Ditech says we owe 5 more payments .But I have received letters from them stating totally different amounts so that is why I requested my payment history from ditech I have called so many times asking them where my paperwork is and every time they give me lame excuses.I have made all of my payments to them to date we even over payed them ..I have all my paperwork to prove this.When I have called them about where my paper work is within three or four days later we get a letter from ditech stating our insurance isn't exceptable and we better get it fixed or they will place  force their own on us .I have always had my own insurance the whole twenty years { I have all my proof of this } .I am tierd of dealing with real rude and nasty people from ditech .And to top it all off yesterday we got a notice in the mail that Ditech fieled for chapter XXXX for the second time .This company needs to be shut down not given a waver of dismissal for their bad miss handling of company funds.They prey on lower income people and ditech calls us high risk ..how dare they ... they are filing for chapter XXXX AGAIN..thankyou
Consumer complaint received 2018-01-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (NJ)

To Whom It May Concern : I have filed a Chapter XXXX, Bankruptcy in XXXX of 2017. I have a active mortgage on my home, but did not re-affirm the loan during my filing for bankruptcy. I have continued to pay the monthly payments. My mortgage lender Cross Country Mortgage, has stopped sending me my monthly statements. I have reach out to them continuously for them to start sending my monthly statements. Cross Country states because I have filed bankruptcy, I will not be getting my statements. 

I need to know my loan balance because, my lender has made errors in the past such as applying my escrow payments toward my loan. My home is not in a foreclosure status. My loan payments are only a month in arrears. 

I would appreciate your earliest response to this matter. This situation has been going on for too long, and I need your counsel. 

Thank you.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account # 2000, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
Consumer complaint received 2019-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

( I already posted the text of this complaint as a reply to a resolution of a separate complaint about a related issue which was that escrow tax payments were made to the wrong account -- However because that complaint is listed as " closed '' I want to make sure this next issue is also addressed quickly as it seems to be a very time sensitive matter. ) The company sent me a letter assuring me that the lot number has been corrected and that the mis-paid funds have been replaced into my escrow account. I've checked on my online account and I'm satisfied with all these corrections. However, on the same date as the letter from the company which finally addressed these issues, I received a call from my insurance company telling me that my insurance bill has also not been paid. This is shellpoint 's responsibility and again they have completely dropped the ball. The insurance company sent me a bill now for {$1900.00} with the deadline of XX/XX/XXXX or my insurance policy will be cancelled. I do not have this kind of money on hand to pay this bill. But I also fear that Shellpoint will move too slowly to pay the bill. Please, if you are reading this, it is time to escalate this issue and get my insurance bill paid immediately!!! The insurance company 's name is XXXX XXXX XXXX and my understanding from them is that they are also reaching out to you. Please make it easy for them and me and get this taken care of.
Consumer complaint received 2018-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Customer service would not help take care of these inquiries reporting to my credit report. 
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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX sent me a letter that i've attached to this complaint. The letter states they did an investigation and determined I'm responsible for the credit card account and they have reported that information to 4 credit bureaus. Their investigation is a consumer fraud investigation to determine if my card was stolen. I have indicated multiple times to XXXX  that the debt is fraudulent, but the fraud took place on XXXX XXXX  end. Not the consumer end. They investigated the wrong thing and came to the wrong conclusion and then reported false information to 4 credit bureaus after I have been yelling and screaming at them for nearly a year to stop. I have reported their fraud to the CFPB under many complaints. Such as : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and many many more. Most recently they have indicated falsely that " Company responded the complaint does not belong to them ''. XXXX  is bankrupt and must stop making loans immediately and all assets must be sold off to repay creditors like me. Most likely the US government is going to have to sell off land to repay creditors as was done with the failure of the Second Bank of the United States. XXXX will be entirely liquidated. Banking as an industry is going to cease to exist. New bankers like myself will replace XXXX entirely in the marketplace. Government will be forced to follow the law, rather than print counterfeit money and classify their crimes. This is the end of an era. In the meantime stop harassing me. The XXXX related bankruptcies are coming for you XXXX, and the guilty are going to prison this time.
Consumer complaint received 2023-07-25
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. (HI)

Tranunion need to remove late payment from XXXX XXXX XXXX XXXX XXXX XXXX my payment never been late. I sent proof of payment delinquency showing paid on time never late.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

We are asking you to investigate the impact that that our Bank of America Home Equity line of credit has had on our credit. 

We were struggling with payments beginning in XXXX on our HELOC, and in early XXXX learned we may be eligible for a modification. We wanted to ensure we were taking care of the situation so we began to seek out resolution. 

Timeline Mid XXXX -- reached out to begin finding out if we could get a trial modification. Took quite a while to finally get to a point where they would talk to us about a trial modification. 
XX/XX/XXXX approved to start trial modification XXXX completed the three trial modification payments ( proof in bank statements provided ) XX/XX/XXXX finally get a letter after persistent questions of status and decision that our modification is approved. We returned the final modification paperwork, never got anything back. 
XX/XX/XXXX get a letter saying our modification was denied. 
XX/XX/XXXX get a letter saying its now approved, see no evidence of this in our monthly payment ; still shows massive snowball amount. 
XX/XX/XXXX get a new letter saying we successfully completed trial modification and to sign and return the modification agreement, which we did. 
XXXX still seeing no evidence they had modified the loan, unsuccessful in getting answers. Finally hear from someone that they had sent more paperwork, and they had sent it to the wrong address. We were temporarily living in XXXX for 8 months. We had updated our mailing address to our temporary address in XXXX, and we were receiving billing from them at that address but they mailed new loan modification paperwork ( 3rd time around I think? ) to our home property address, which we did not receive as it was not forwarded by our renters. 

XXXXwe send a fax to BOA appeals intake, requesting them to send the paperwork yet again, they never did. 

XXXXthey transfer the loan to XXXX XXXX and we have such a horrendous impact on our credit its almost worse than bankruptcy. 

This account should have been modified and would not have been needed to be transferred off to XXXX XXXX. 


It was like getting stuck in a loop. We would provide and sign whatever next paperwork or evidence they requested, and then we would get something else that they said they needed. It took so much energy, they seemed determined to bury us in paperwork and confusion rather than give us the modification. I gave up. 

Included for consideration is the various documents from Bank of America indicating we had successfully completed modification, as well as correspondence that demonstrates the diligence with which we tried to resolve the matter. 
Included : All the documentation that our loan was modified from Bank of America. 
Copies of correspondence showing the diligence in which we attempted to resolve this account. 
Proof of the payments to fulfill the trial modification period through our bank statements.
Consumer complaint received 2019-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

I am a XXXX veteran that maintains limited account usage with Navy Federal Credit Union. I keep funds from my XXXX payments in my Navy Federal account. During some hard times 4 years ago I had a small credit card become past do with them. Last week Navy Federal wiped out my account of all my Federally protected funds to cover the credit card. These funds are Federally protected and are absolutely untouchable. However, that didn't stop Navy Federal from robbing me blind. On XX/XX/2019 they removed my last {$200.00}. They say they are here for the military community but then treat us like garbage when we need the help the most. I shudder to think of all the XXXX veterans who depend on their XXXX payments, are robbed by Navy Federal, and end up homeless and starving as a result. 

I contacted Navy Federal the same day and was told too bad so sad. Ok, not those words but the result is the same.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (WA)

XX/XX/XXXX : Received notification that a XXXX XXXX/XXXX XXXX application was being processed using my personal information. I disputed the credit card application with XXXX, XXXX, and XXXX. All three confirmed that a 'fraud alert ' would be placed on this credit application. I advised the bureaus that I have a credit freeze with all three, XXXX, XXXX, and XXXX. I do not understand how XXXX XXXX/XXXX XXXX can process a new credit application with 'credit freezes ' since XX/XX/XXXX. I confirmed with XXXX and XXXX that they could see the credit freezes ; the latter advised that I would need to call XXXX  and XXXX  directly.
Consumer complaint received 2020-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adelante, Inc (TX)

I currently have a medical collection debt being reported on my credit report from XXXX  XXXX XXXX XXXX dated from XX/XX/2019. Ive tried unsuccessfully to resolve this matter through XXXX  XXXX but to avail. I havent been to XXXX  XXXX at all for any type of medical treatment. Now Im being penalized for someone representing themselves as XXXX XXXX, receiving medical care. I was told the services provided were a XXXX test. I XXXX XXXX had a total XXXX  5 yrs ago I wouldnt need a XXXX test administered for any reason. Nor, would I have a reason to visit XXXX  XXXX. They cant even provide me with identification that was used representing themselves as me ( XXXX XXXX )
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (SC)

I received a call on XX/XX/19 at XXXX from XXXX, XXXX XXXX , from an XXXX XXXX  XXXX concerning a debt that was forwarded to his office needing final recommendations prior to sending to the District Attorneys office in my state. I was unable to return his call at the time. In the meantime, a call was placed to my husbands phone, the secretary at my office, and repeated phone call to my supervisors private, personal phone number until she left a meeting to take the call. The message was the same information-a legal matter that needed my attention prior to making recommendations to the District Attorneys office and Sheriffs Office in my state. XXXX XXXX started to my supervisor that law enforcement would be sent to my place of employment at XXXX to serve me with papers/arrest. My supervisor stated that I would not be disturbed at my job. Mr. XXXX stated that he would place a phone call to my superintendent to further discuss the matter, as I am a XXXX   XXXX. Upon my supervisors return to XXXX-she gave me the information from the call. During my planning on XX/XX/19 at XXXX, I placed a phone call to XXXX and spoke to XXXX XXXX. He refused to provide me with written documentation to validate the debt he was referring to. Rather he verbally harassed me, questioned my integrity as a professional XXXX, stated I must think I am above the law and proceeded to state he would submit evidence that I would be charged with grand larceny in my state and would be arrested at my XXXX  the following day. I continued to ask for documentation and he stated he was terminating the call. I called back again requesting documentation and he stated that he had all the necessary information and proceeded to tell me my name, address, place of employment, mortgage company, husbands name, husbands SSN and date of birth, husbands employment. I asked for documentation to be sent to my home address and the phone call was terminated again. My third call to XXXX XXXX, I was accused of harassment and was placed on hold while a 3 way call to my XXXX district superintendents Office was placed. In the call, a message was left on his secretaries voicemail stating that there was information faxed to the office with information regarding an employee. Then the phone call was terminated. The 4th, 5th and 6th calls were also terminated when I asked the representatives to provide documentation to validate the debt, I know my rights, and to make them aware that phone calls were recorded. Mr. XXXX also placed calls to my husband, which were returned but Mr. XXXX was not in the office to speak with my husband at XXXX.
Consumer complaint received 2019-04-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

I have made complaints regarding this issue several times yet TD Bank fixes it and than changes my address on its own. I am starting to get very annoyed with the level of incompetence of TD Bank. I don't understand why they keep changing my mailing address without my authorization. I write a lot of checks and online banking checks and TD Bank continues to change my Po Box info to my home address. 

I am getting extremely frustrated with this at this point. I don't want people knowing where I live. I don't understand why this bank keeps changing my mailing address. 

This is a huge invasion of privacy issue. They keep fixing it and than a month or 2 later change my address in the system on its own. I deal with tenants and other businesses and I have a business address for a reason. 

If anything were to happen because of XXXX XXXX continued negligence, I will hold them responsible. 

For the last time, stop changing my address without my authorization. 

A TD Bank employee stole XXXX dollars from my account last year and she was arrested and charged for doing so. 

TD Bank must protect my privacy and stop changing my XXXX address for no XXXX reason. After the bank employee stole my personal info TD Bank has done nothing to protect my privacy.
Consumer complaint received 2023-03-03
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: SYNCHRONY FINANCIAL (CA)

1. I have been charged and I paid an additional billing invoice by Synchrony Bank for the amount of {$17.00}. In order to avoid a negative report from the Synchrony Bank on my credit account. I have yet to receive any reimbursement for the complaint filed XXXX for the previous charges. 

2. I have also attempted to access my account for Amazon XXXX XXXX XXXX XXXX for an purchases due to overpayments in the amount of {$250.00}. On XX/XX/2023 I have been advised by the Amazon representative that this account is not accessible because Synchrony Bank will not allow the use of the excess funds paid in the amount of {$250.00}. 

Kindly address these issues and respond at your earliest possible convenience.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Identity theft was used to open an auto loan account to buy a car under my name, without my permission, while I was only XXXX  years of age, and Ive disputed this account several times with all 3 credit bureaus with no results other than the sentence information was verified as factual
Consumer complaint received 2022-09-16
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. (NJ)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-09-16
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. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-03-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

On XX/XX/XXXX, I noted a collection from XXXX XXXX XXXX for {$390.00}. Further inquiry revealed the debt was from the XXXX XXXX XXXX XXXX located in XXXX, XXXX on XXXX XXXX. They revealed to me that in XX/XX/XXXX, someone applied for an apartment using my social security number ; however, the email and telephone number provided by the fraudster were incorrect. The initial application went through but was later denied for fraud ( XXXX says their system has the attempt listed as fraud due to inability to verify income ). However, the application fee was still processed using my SSN. The charge was only recently ( XX/XX/XXXX ) listed on my credit report for {$390.00}. The XXXX XXXX XXXX  has been contacted and I have a police reoort.
Consumer complaint received 2019-09-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a collection notice from MCM on a credit with XXXX, account # XXXX and Midland Credit Management account # XXXX. The amount is {$620.00} and they offered me a settlement for {$370.00}. I have contacted them several times online and by phone to pay the settlement they offered me but they said they can not get my account and that I need to wait some time, at least one week more to get called about the debt. I explained them I need to fix my credit report but they said they can not do anything about it. The Phone #  they give me is XXXX.
Consumer complaint received 2019-04-06
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. (MO)

While using XXXX credit report ( transunion ), I saw that my address was updated to one that is not mine, an account was opened that was not mine, and an inquiry was made by a bank I don't use.
Consumer complaint received 2019-04-06
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. (FL)

identity theft these accounts do not belong to me XXXX XXXX opened XX/XX/XXXX {$19000.00} XXXX XXXX   opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX {$430.00} XXXX XXXX XXXX opened XX/XX/XXXX {$1200.00} XXXX XXXX opened XX/XX/XXXX {$11000.00}