davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IN)

I became unemployed in XXXX, no fault of my own, and fell behind on my mortgage payments by 4 months. I was trying to work with Greentree ( Ditech ) to help me in anyway so I could get caught up. They offered me a trial payment period via telephone ... I never received an official letter of this conversation yet I sent my payment of {$500.00} in XXXX, XXXX, and XXXX XXXX. I could not reach my account representative so I made another payment for XXXX to be on the safe side. Finally a customer service rep said I think your next step in modification so I 'm sending you the application to complete. I sent all information back in but was denied modification. I 'm unsure why I was denied. I was only making {$9.00} an hour and my mortgage was more than XXXX % of my income. I have attempted modification 3 and 4 more times since and now I 'm told my mortgage is " not '' more than XXXX % of my income. In attempts to do whatever I can to save my home, I contacted XXXX to help me work with my lender. We completed a 3-way conversation XXXX XXXX. They basically stated there are no other programs I qualify for. I asked the question, " why did I go through a trail period of payments to just end up being denied time after time? '' The customer rep tells me that an offer was made to me by mail in XXXX XXXX. This was the first time ever hearing that an offer was made. I never received an offer. 
I then proceeded to contact XXXX XXXX, the investor for my loan. I filed a complaint against Greentree with a lady named XXXX. She has since contacted Greentree ( Ditech ) and advised them that an investigation be completed in this matter. I contacted Ditech first week in XXXX XXXX to follow up, customer service stated that all is noted but that 's all the notes she has. Meanwhile the foreclosure proceedings have accelerated and a sheriff sale is scheduled for XXXX XXXX XXXX. 
To add to the misery I have been put through during modification ( s ) include but not limited too.. ( 1 ) .fax numbers reading " no answer '' or " busy '' for days on end. Eventually calling to get a second and sometimes a XXXX working fax number. ( 2 ) My account representation changed sometimes every 30 days ... resulting in voice messages and documents never making it to anyone. ( 3 ) account reps being rude and laughing and snickering over the phone. I had many problems with one rep named XXXX. ( 4 ) modifications being canceled for unknown reasons and having to start over. 
I would also like to add ... the day before my court hearing, the mediation, with Greentree. I received by XXXX, a letter from XXXX XXXX XXXX stating that my XXXX % XXXX mortgage loan has been forgiven. ( {$12000.00} ). Now I know for a fact I can afford my XXXX mortgage payment, yet I keep getting denied. This also causing my mortgage to now be below the XXXX % of my gross monthly income.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I have a loan with Select Portfolio Servicing with account number XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report for the month of XX/XX/XXXX up to XX/XX/XXXX. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

On XXXX/XXXX/2016 I obtained a Mortgage for the amount of $ XXXX for the building that I perform my business from First Citizens Bank XXXX 
Bank is implementing coercive actions to force me to transfer my business accounts that I have with XXXX to them, although we went through all of my accounts and they can not match the service and the term that I currently have with XXXX, otherwise they will increase my mortgage rate by 3 %!! I keep receiving threatening phone calls and letters from First Citizens Bank. I believe this is an illegal business practice and I am asking you to advise them and make them stop.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

this XXXX XXXX XXXX credit account has been charged off. so this means that XXXX XXXX XXXX has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681. ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of XXXX and XXXX.
Consumer complaint received 2023-04-17
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. (NY)

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 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 2022-09-07
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)

This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXXXXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2023-06-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank (MD)

The FIRST PROGRESS CARD with account number XXXX appears to be a charge-off account with a specific balance of {$180.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported in 3 Bureaus. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account
Consumer complaint received 2016-07-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (KY)

Two years ago, I stopped into my mortgage lenders local banking office - Chase in XXXX, KY and was told if I was a new customer looking for a new mortgage they would lend me $ XXXX assuming the property met the appraisal. At that point I had owned the property almost 3 years. I was aware the property values were increasing in the neighborhood based on a discussion with my real estate agent and wanted to have PMI removed. After now 5 years into the loan the principal balance is below 78 % - JP Chase Morgan is still forcing me to pay them {$110.00} in order to remove the PMI. The {$110.00} is to have a broker/realtor come out and provide an OPINION on the price. Broker Price Opinion. 
When I purchased this property in XXXX XXXX, I purchased it for $ XXXX and the appraisal came back at $ XXXX. Up until XXXX of XXXX - they were requesting I pay for an appraisal at a cost of {$450.00} which is {$100.00} to {$150.00} above the XXXX market average for an appraisal. In XXXX appraisals were running {$300.00} to {$350.00} at the time of the original request. I was told by the mortgage group at Chase that this was the national average ... so including inflated appraisals for places far beyond our standard cost of living. This is JP Chase Morgan robbing the American people of money they should not be entitled to. 

I am a single mother, have called requested to speak to supervisors, called the executive office and requested to speak to executives that they are taking money from mortgage owners that they have no right to ... forcing us to pay a premium in order to have the insurance removed from the account. When I signed my paperwork in XXXX of XXXX, the title company was adamant that at the point I had paid my mortgage at or below 80 % to contact the company to have the PMI released or waived. I have never been late on a mortgage payment, I have had several conflicting communications from Chase bank regarding my mortgage - for example they sent me a communication if I opened an account and had my mortgage automatically deducted I would be entitled to a 2 % kick back on my mortgage interest. When I signed up and reviewed my mortgage the next year, I called only to find out I had been lied to and was not entitled to the program because another bank had sourced the loan from them ... so although they were the loan servicer immediately I was not entitled to the program they marketed and told me I was entitled to. I do not want to pay {$110.00} ( unless they plan to put it on my principal of my loan ) to get rid of a forced fee, they are not entitled to. Today I was notified that XXXX - was the one requiring that the PMI remain on the loan UNLESS I ordered a BPO. I spoke to XXXX last week thinking they could help me. The XXXX rep informed me that my PMI being waived or released had nothing to do with XXXX and that was solely dependent on the mortgage lender. So now Chase is saying oh no it 's XXXX requiring this. Please, please help me!
Consumer complaint received 2022-09-07
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. This is your final chance to resolve the inaccuracies on the items : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXXXXXX Date XXXX Balance : {$0.00} Late/Closed Late Date XXXXXXXX XXXX XXXXXXXX Date XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2021-06-21
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: AMERICAN EXPRESS COMPANY (CT)

these accounts dont belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. XXXX Account Number : XXXX 4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft AMEX Account Number : XXXX This is not mine.
Consumer complaint received 2023-04-17
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. (FL)

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, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$2500.00}, XXXX XXXX Balance : {$760.00}, XXXX XXXX Balance : {$0.00}, XXXX ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX  XXXX Balance : {$3200.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-17
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. (SC)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-08-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

When I was applying for a house they ran my credit and informed me that I had a collection in my credit report. I was surprised because I have never even received my XXXX credit card. My account was maxed out at {$200.00}. I was unaware of this transaction that it went on for years collecting interest over time. Now the balance is at {$480.00} no one ever called me to notify me about the bill or the account. Ounce I found out about this collection I contacted portfolio recovery and told them that this transaction that was made in 2020 was an unauthorized transaction. They told me that they couldnt do anything about it. That they just bought the account from XXXX XXXX
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (IN)

It is for my XXXX XXXX XXXX  that is now closed but should be in good standing I made very payment on time and this is hindering my life as Im trying to get a house I have tried to fix this with XXXX XXXX they said I had to contact the credit companies and I have been disputing the late payments for years and they cant even tell me how this is accurate or prove that they reached out to the creditor
Consumer complaint received 2022-09-07
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. (SC)

XXXX XXXX is in violation of Federal Law bye means of Fraudulent XXXX XXXX XXXX XXXX They XXXX XXXX XXXX XXXX NC must cooperate fully with an in Criminal Investigation conducted by they FBI ( XXXX NC ) The Name XXXX XXXX XXXX and Excellent edit Rating is at Seruous Risk becausr of Double Indemnity by XXXX XXXX  over Information Theft Investigaste with Impuunity! 
XXXX XXXX XXXX
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (MN)

XX/XX/2022 XXXX XXXX for Hunter Warfield contacted me via text message, then contacted my mother ( family ) about a payment due for rent when rent payment has been done. And have XXXX contact me first as no notice from them has been given.
Consumer complaint received 2017-02-15
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (MO)

I do n't recall signing any contract with a company with this name. I do n't recall this debt being verified. Do n't recall getting proof with a contract or signature. I requested that they provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent and did not receive the information requested.
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

On this day XXXX XXXX XXXX I've contacted CONVERGENT OUTSOURCING regarding an invalid debt that's been furnished onto my consumer report. According to 15 USC 1692 ( g ) a debt has to be validated with proper document verification, also 15 USC 1692 ( g ) ( 5 ) states a statement upon the CONSUMER may request a copy of such verification of validation. So how could this be furnish upon my consumer report without valid verification.
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (AZ)

I have emailed Grain multiple times starting on XX/XX/2021 to change my bank account on file so my payments can be on time. I received no response and its now XX/XX/2021. I have called them multiple times, nobody ever picks up the phone, I have texted them multiple times, no response. I have emailed them on XX/XX/2021, XX/XX/2021, and now today XX/XX/2021 and no response. I really dont want them reporting this to the credit bureaus because I am actually trying to fix this and pay my now past due balance because nobody would ever help me. My connected XXXX XXXX XXXX account is closed!!!! So payments will be returned. Once they report that my supposedly past due to the credit bureaus, that needs to be reversed because this is ridiculous and they are refusing payment and are refusing to update my bank account. Since they wont get back to me. This leaves no choice to file this complaint.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Professional Debt Mediation, Inc. (NY)

This is not my debt, and I never owed this money. I have been trying to get this account off my credit report for years. 

On XX/XX/2018 I received a response from Professional Debt ( XXXX XXXX XXXX  ) stating they were removing this account from my credit reports and it could take up to 60 days to reflect. This account is still showing on my XXXX report 6 months later. 

I want this removed from my XXXX report immediately