davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-22
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dream Center Education Holdings (NE)

They have continued to remove and add something into collections on my credit for over 6 months. When I have proof that it should be a balance if {$0.00}. 
I attended The Art Institute of XXXX XX/XX/2012 which put me at $ XXXX in student loans with them. I dropped out after my first year. They later got into a big lawsuit and I received a letter from XXXX which owns The Art Institute of XXXX stating that because of the timeframe I attended and dropped out that my student loans are now at a {$0.00} balance and should be whipped off my credit within 4 months. 

However XXXX XXXX had them in collections and after receiving the letter they were removed from my collection within two months. I was extremely happy. However for the past 3 months XXXX has continued to add it on my credit score and remove it only from XXXX tho. I called XXXX XXXX and explained the situation and emailed them the letter I have. They said they would look into it that was two months ago. 

So last month I decided to dispute the collection with XXXX sending them the letter that I received form XXXX. It 's supposed to be completed XXXX. However Now it is showing on XXXX twice for $ XXXX each.. 

I 'm getting very upset about this and its effecting me and my wife 's chance of buying a house
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AR)

Paid {$20000.00} to bring a house out of foreclosure. Nine months later they said to pay another {$8000.00} or they will put the loan in default. The XXXX XXXX is due to escrow. How can the account be made current then I 'm told I owe six years worth of escrow? I also found out that I was sending payments but they were n't cashing them.
Consumer complaint received 2022-02-07
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: EQUIFAX, INC. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00}, XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00}, XXXX XXXX  XXXX XX/XX/XXXX {$170.00}, XXXX XXXX XXXX XX/XX/XXXX {$320.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, EQUIFAX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2016-06-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TN)

I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

I am having a problem with my mortgage company Ocwen. On XX/XX/2015. I found out that they never paid my flood or homeowners insurance. When I called them they said that they sent both checks out on XXXX/XXXX/2015. It seemed strange to me that both checks never went to the XXXX different providers of insurance. So after several attempts to resolve this issue Ocwen finally did a conference call with my insurance company and myself. Everything would be taken care of. Ocwen only paid my flood insurance never sent the check for homeowners. Ocwen sends me a letter stating I do n't have insurance and they woulsd provide it but I would be better off to get it myself. Called my insurance company and because it was n't paid on XX/XX/2015 I was consider delinquent and had to go into a surplus pool and only XXXX would issue a policy at {$3600.00}. My previous policy was {$2700.00}. A huge difference which Ocwen said they would look into reimbursing me the difference by filing a hardship for their mistake. They did n't issue anything, never even acknowledged it. Since a year had passed I was considered no longer a surplus pool candidate and applied for homeowners insurance and received a policy at {$1600.00}. I had my insurance company fax, mail and they talked to Ocwen and everything was good ( XXXX/XXXX/2015 ). Ocwen would pay the new premium. They never paid it again so I paid for the policy out of my own pocket. Did n't want to be placed in the same boat as before.
Consumer complaint received 2016-02-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC (NC)

We purchased a home in 2002. When attempting to sell this home recently, we discovered that there are XXXX liens showing on the mobile home. These loans were discharged years before we purchased the home. We are not able to sell the home due to these loans showing at DMV against the property.
Consumer complaint received 2015-08-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime (AL)

When my ex and I we married and did n't have great credit we went got a vehicle loan together. The loan was over {$400.00} per month which was ok when we were married. Once we divorced and I was the only one making the payments it became too much for me to afford. I called and asked if there was anything they could do to help. I asked if I could trade the vehicle I was currently paying on for something less expensive so that I would still have a vehicle and that I would be able to afford. They informed me that they could not help me with changing out my vehicle to make the payment lower for me and that I would have to find a way to still make the payments of over {$400.00} or simply turn the vehicle back in and loose everything I had already paid and be left without a vehicle. I 'm still being forced to make outrageous payments as a single mother of XXXX children with no help or assistance.
Consumer complaint received 2015-03-29
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: National Credit Adjusters, LLC (ID)

recieved letter dated the XXXX of XXXX for an old ( 2015 ) debt that needed research from me to find out who it belonged to. letter stated that debt was due by the XXXX of XXXX, funds were taken out of my account without my knowledge or permission on the XXXX of XXXX
Consumer complaint received 2020-10-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have been disputing some accounts since XX/XX/2020 with the credit bureaus, but I have not received any answers from them, I want to know the status of my disp.utes
Consumer complaint received 2015-09-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (CA)

Disputed original claim for acct. XXXX with a certified letter within 30days of receiving Capital Accounts LLC demand letter XXXX/XXXX/2015 for {$210.00}. I asked for validation and never got it. I have my letter and documents of proof certified, signed for that I sent XXXX/XXXX/2015 and a Capital Account 's representative signed for XXXX/XXXX/2015. I do not owe this debt. Even if they " proved I did '', I should have still be given a response and not been sent to all the credit bureaus within 5 days. I want the account deleted off my credit until they legally respond to my validation letter. Give me a chance to respond without sending it to the credit bureaus, the whole point is to take my money is n't it. They are in violation FDCPA by not responding to my valid letter sent within the 30days of their claim. I would like to resolve but they need to follow FDCPA guild lines and regulations.
Consumer complaint received 2015-10-13
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NY)

I am unable to access any of my money after an apparent " system upgrade ''. My payroll deposit is not posted, my prepaid debit card shows inactive on the site, and the amount listed available is a mysterious amount. No one in customer service is answering and it has been well over 24 hours. An email was sent stating the upgrade would be from XXXX Monday XXXX/XXXX/15 but I still can not access my funds.
Consumer complaint received 2022-02-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HANCOCK WHITNEY BANK (FL)

On XX/XX/21, Hancock Whitneys representative, XXXX XXXX, Real Estate Loan Administrator, confirmed that they had received a refund for the initial disbursement ( {$16000.00} ) from builder, since the builder could no longer build the home for me. The bank has not applied the funds back to the account, and the amount still shows outstanding. They have also continued to charge me interest on the funds they had since XXXX of last year.
Consumer complaint received 2016-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC (CA)

A few months ago I sent the company a request for validation to provide me with documents from the original creditor to validate a seemingly dubious debt they had reported on my credit report. The company responded back stating they are not liable to provide me with documents from the original creditor and merely sent me a letter asking them to payoff the account ( see attached response from company ). This is a violation of the FDCPA, since it is apparent that no such debt is due, otherwise they could have provided me with the validation documents I requested..
Consumer complaint received 2023-03-16
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. (VA)

Experian late payments in violation of the current laws XXXX XXXX closed but reporting late payments on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX but reporting late payments XX/XX/XXXX, XX/XX/XXXX XXXX closed but reporting late payments XX/XX/XXXX, XX/XX/XXXX These accounts are in violation of the fair credit reporting act see below letter attached along with it is being sent certified mail to experian
Consumer complaint received 2022-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (AZ)

XXXX XXXX did not bill correctly. I have double coverage and they only billed primary insurance and not the secondary. Contacted them multiply times to correct and they said they would correct it. But, now they sent me to a debt collector. I contacted them to explain that XXXX did not bill correctly. They were rude and stated to contact XXXX, because the bill is XXXX years old now and the insurance won't do anything about it. The surgery was XXXX, billed XXXX, primary covered XXXX leaving a remaining balance of XXXX. Tried to explain this to H & R Accounts, Inc but XXXX  the agent that spoke to me said its my problem.
Consumer complaint received 2015-05-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

I demand an audit of the XXXX loan modification prepared by XXXX XXXX and transferred to Ocwen. 
I demand an audit of the application of funds of the {$82000.00} made to the field adjustment added to the modification and from where the {$80000.00} extinguishment in XXXX was takenAlso want to know why there were XXXX previously released liens released again in XXXX XXXX and why Ocwen presented a XXXX mortgage as proof of debt
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: HW Holding, Inc (GA)

Good afternoon, I am wanting to write in regard to a situation that I feel was professionally wrong. I communicated with a collection agency Hunter Warfield on a debt that I owed to them. I set up to where I settled for a disclosed figure and was told by the employee ( XXXX XXXX ) that it would be taken off my credit within 24hrs of final payment. well I called and tried to figure out how to go about making sure that this was taking off my credit as I had already been able to go and print out the receipt of payment where it states that the collection had been XXXX out and settled in full. Upon trying to do so I spoke with another employee who submitted a manual notification stating that it had been settled as well to the credit company and provided me with the AUD Update Control Number to provide to the credit company as well. Upon contacting the credit company I was informed that it was going to be up to the collection company as to whether or not they remove it off my credit. I called Hunter Warfield back and was transferred to a lady by the name of XXXX XXXX who did n't seem to want to try and hear me out at all and started out by cutting me off and stating that she did n't care what some credit company had told me that she had the say so on whether or not it be removed. XXXX XXXX also went on to inform me that if I did n't be quiet and listen to what she had to say that I was n't definitely going to have anything moved off of my credit. I tried explaining to her that an employee of Hunter Warfield had told me that the debt would taking off my credit once the debt was paid in full. XXXX XXXX informed me that she was n't going to take it off and that it would stay on there for another year and half because I waited for so long to try and pay. she completely disregarded me for a customer and overlooked the fact that I was trying to inform her that I have a XXXX month old and a XXXXmonth old who I am trying to provide housing for and that I was n't able to due that as long as that was still showing up on my credit and so now here still my children and my wife are having to stay with a family member on their couch because she refused to take the collection off my credit and was nasty as all get out with it. I also informed her that I was recording the call as I do with all important calls and she then tried changing her story but it was to late by then. I tried calling back and she has not returned my call or anything to try and get this resolved.
Consumer complaint received 2022-02-07
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: Rocket Mortgage, LLC (TX)

I was in the process of refinancing my mortgage. 
I received a call from Rocket Mortgage advising that they had received my request for a refinance. I advised the rep that I was already in process of refinancing with a company and advised we had already moved forward with credit inquiries, she then began to ask me the following question. 
Did they run your credit, I advised yes they did as we are refinancing. 
I monitor our credit so I begin to receive alerts that our credit had been run I did not at anytime give Rocket Mortgage permission to pull out credit reports in the month of XX/XX/2021. 
I tried disputing this with the Major credit bureaus with no response or dispute status provided. 
I would like the recorded conversation pulled & reviewed reflecting giving verbal/written permission to access credit file.
Consumer complaint received 2020-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (OR)

My brother in law is applying for a HELOC to finance remodeling of his home. He has excellent credit, a flawless payment history, and over $ XXXX in equity. Prior to applying for the HELOC he had co-signed on a home mortgage loan for me on my primary home over 18 months ago. 

Although he was a co-signer on the my home loan, I have been the only one making payments on the loan for the last 16 months. I needed him to co-sign at the time of purchase to raise my debt to income ratio so that the my lender would provide the loan. I also have excellent credit, and no history of bankruptcy or delinquency on any of my loans. 

The current financial institution that brother in law is working with to secure a HELOC for his loan is US Bank. When my brother in law applied for the HELOC, he was informed by US Bank that he did not qualify due to a high debt to income ratio as he is considered a responsible a responsible party on my home loan for which he had co-signed over 16 months ago. He asked me if I would co-sign for him and I agreed. I then proceeded to provided US Bank with proof that I have made more than 12 consecutive payments ( 17 months to be exact ) from my personal bank account to meet my mortgage obligation, and that my brother in law has not made any of these mortgage payments. Despite providing this information as well as a letter confirming that I do not expect any payments from my brother-in-law for my home, his institution is reluctant to provide my brother in law with a HELOC in the amount of $ XXXX. They continue to insist that I should provide proof that all other personal loans on my credit need to be verified with 12 months of bank statements showing proof that I am the only one making payments on them, and my brother in law is not liable. 

I informed US Bank that my brother in law has nothing to do with any of my other loans and I dont see why i need to provide them with my payment history on these loans. Particularly because I have already provided them with documentation showing proof of payment for my home loan.
Consumer complaint received 2023-03-16
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (LA)

I SENT RECEIVABLES PERFORMANCE A LETTER ON XXXX XXXX CONCERNING A NEGATIVE ALLEGED DEBT OF XXXX THAT I DO NOT OWE.I HAVE ATTACHED A COPY FOR YOUR VIEWING BELOW.
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (DC)

I have been getting a lot of refinancing offers from my servicer with titles such as " Caliber Has Important Payment Savings News for YOU. '' The " savings, '' however, come from the re-amortization of the mortgage at a new 30-year term -- the actual interest rate is higher than that on our current mortgage. I understand mortgages well enough to know that this offer makes me worse off. However, I think other consumers could be tricked into a contract that makes them worse off. ( Admittedly, there 's fine print at the bottom of the ad that alerts consumers to this issue, but I think it 's cryptically worded. )
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2024-02-22
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-02-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Big Picture Loans, LLC (VA)

on XX/XX/2021 and XX/XX/2021, Big Picture Loans, limited ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report. I opted out of prescreened offers and they ran a hard inquiry on my credit report without my permission. I do not and did not authorize this and will be filing a federal lawsuit to remedy the situation.
Consumer complaint received 2020-06-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (FL)

When we mail our mortgage payment on time for due date it is processed in a timely matter in 3 days. When it is after the XXXX of month and near late date of XXXX it is not processed in a timely matter, but we are told it did not arrive by XXXX and then charged an {$80.00} late fee. The lender is Caliber Home Loans XXXX XXXX XXXX XXXX TX XXXX. If this is a common practice it should be looked into and a possible class action suit brought for this practice of holding payments by check.