davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

My property at XXXX XXXX XXXX, XXXX, CA XXXX is serviced by Ditech Financial. XXXX XXXX  XXXX, my originator, sold this loan while I was in a confirmed plan with XXXX XXXX Bankruptcy Court, a clear violation. They sold my loan without identifying that the property was included in a Chapter XXXX Reorganization - with a Debtor in Possession status. 

I have received a Demand for {$68000.00} for erroneous accrued mortgage payments from Ditech. 

I have received a threatening letter from Ditech 's attorney entitled " Notice of Appearance and Request to Receive Notices '' which is attached, enjoining the US Trustee, XXXX, CA and my Bankruptcy attorney of record. Then I received a letter entitled " Notice of Sale of Ownership of Mortgage Loan by XXXX XXXX XXXX XXXX, also attached. 

My letter response to Ditech 's attorney 's is a Cease & Desist and addresses the payments made and confirmation status and to stop this harmful and illegal collection, a clear violation of the Confirmed Plan and federal bankruptcy laws. 

Upon further examination, these correspondence look like scams, and as a victim of illegal foreclosure, I am both, compelled to respond but also I am skeptical of the validity of these threats, backed up by Internet content that says specifically XXXX is a total scam. 

I am filing this complaint to put XXXX XXXX on notice, to Cease & Desist this illegal collection and violation of my confirmed plan, to get their attorney under control and to provide me compliant accurate loan accounting. Furthermore, this complaint seeks to expose the action by XXXX XXXX XXXX XXXX and demands I receive my official mortgage agreement that identifies the legal mortgage holder, terms of the loan, and appropriate adjustments on the loan as a result of the Chapter XXXX confirmed plan terms. 

This all looks like a set-up for illegal foreclosure.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX  XXXX, Acct # XXXX XXXX XXXXr, Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX - XXXX, Acct # XXXX XXXX  - XXXX, Acct # XXXX XXXX  XXXX XXXX, Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX, Acct XXXX XXXX XXXX XXXX XXXX XXXX, Acct XXXX XXXX 15 U.S.C. 1681 Section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states that the consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Altisource Portfolio Solutions, S.à r.l. (CA)

CFPB COMPLAINT - XXXX UNLAWFUL COLLECTION PRACTICES XX/XX/XXXX XXXX is violating state and federal collections laws by harassing me for a paid-in-full one-time rodent abatement services ; a paid-in-full XXXX quarterly yard spraying schedule, and continued billing on an auto renewal I did not authorize see recent billing statement. 

As a result, on XX/XX/XXXX, I sent to XXXX with a copy to XXXX   XXXX, Cease & Desist for abusive and unfair collection practices, erroneous unwanted services, collections harassment. Yet they blow up my phone with non-stop collection calls all day, all week for six months now. 

I have written them, called them and spoke with several collection people, having to repeat myself over and over, yet to no avail. 

The Public Relations department calls and calls, Office of the President, I call back, and they dont return calls. Then they call again leaving the message : have you talked to the local office? 

I never authorized a continuation of services past XXXX I paid for the four ( 4 )  quarters for XXXX IN ADVANCE for yard spraying. I have attached the cleared item check # XXXX for {$390.00} which cleared on XX/XX/XXXX. 

With respect to the rodent abatement, removal of five dead fat rats, insulation removal, attic sterilization, new insulation, I paid in full the {$3400.00}. There are tenants in this property so I moved quickly to resolve this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

I have been disputing Convergent Outsourcing for several years. I never received any notice of the debt or validation that I owe the debt. XXXX removed the debt by XXXX and another debt collector. Convergent appeared and I immediately took action. The issue is with XXXX and XXXX. No matter what I do Convergent will not work to validate a debt I do not owe. I even called XXXX and the gentleman I spoke with said there was nothing they can do. My credit is flawless. I do not have any late payments etc. I owe no one anything! Convergent Outsourcing claims I owe {$530.00}. I was going to pay it just to get them off my back but I do not feel its right to pay someone for something that is not yours.
Consumer complaint received 2023-01-11
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. (WI)

I submitted a dispute of my credit report to Transunion as multiple accounts listed have incorrect information. The issue I identified which is the source of the inaccuracies on my credit report is due a debt amortization plan that was filed, approved, and completed through the XXXX XXXX XXXX XXXX. Unique to XXXX this debt amortization plan is known as a XXXX XXXX to clarify this plan is not the same as bankruptcy and should not be considered bankruptcy. Instead, my debts were consolidated into equal payments that are made over 3 years. The XXXX XXXX court process required biweekly automatic payroll deductions that were sent to a court appointed trustee that was responsible for making the payments on my behalf. I was proud of myself when I completed the XXXX XXXX  and successfully paid back close to {$20000.00} through the 3-year payment plan. I received the official court order which was electronically signed by XXXX XXXX XXXX XXXX which attests that the accounts listed in the plan were paid off in full. 

I went ahead and filed the dispute with Transunion and included the following information to support and verify my complaints merit : -A summary of my complaint -Information regarding the State of Wisconsin XXXX XXXX -Court records : the final statement of accounts ( this document listed the total amount of debt paid to each account ; ) the order of dismissal signed by the judge ( which clearly states that all debts included in the plan were paid in full, dated XX/XX/2020. ) Unfortunately, it appears that upon completion of their investigation into my complaint Transunion overlooked all the information I provided as no corrections were made to the accounts of the 4 creditors and in at least one example, the information on my report was changed to something worse.

The companies reporting blatantly false information that I requested Transunion to investigate and correct are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am beyond frustrated that all the hard work I put into correcting my poor financial choices did not matter to Transunion or the creditors. Transunion continues to allow false reports which state each of these accounts are derogatory, falsely state that I continue to owe them XXXX  of dollars, and in at least 1 account indicates that they " charged off '' my debt despite each creditor actually being paid back! 

Please help. My credit score tanked even more as a result of the investigation which is was not the outcome I was hoping for.
Consumer complaint received 2020-12-04
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: CAINE & WEINER COMPANY, INC. (FL)

On XX/XX/2020, CAINE & WEINER COMPA add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER COMPA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2019-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (WI)

This is a continuation of our former complaint XXXX about PHH Mortgage Co. 
What they said they would do in their letter received on XX/XX/XXXX, is unacceptable. They refused to take out the {$400.00} they were supposed to take out on XX/XX/XXXX and each month thereafter. They told us to set up our own schedule with our bank. 
This was NOT what they said they would do via a phone call with XXXX at phone number XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX our time. For that phone call, he had been on hold two different times at about XXXX minutes each time. 
XXXX and XXXX resolved our complaint which we had registered the evening before with the Consumer Financial Protection Bureau. The final result was acceptable to both parties - PHH was to take out a {$400.00} mortgage payment on XX/XX/XXXX to be applied to the XX/XX/XXXX payment and take out another payment on XX/XX/XXXX, our regularly scheduled time. They would apply the {$400.00} as though it had been paid on XX/XX/XXXX, with no added fees or interest. and all would be as it should have been had they taken out the XX/XX/XXXX payment on time. PHH should just do what it says it will do when we talk to them. They seem to say one thing and then send a letter with the opposite information. 
I had talked to someone on XX/XX/XXXX about this very issue and they had promised they would take out the {$400.00} payment on XX/XX/XXXX, just like XXXX had always done. Then instead of using our {$1000.00} extra payment for interest via a check - they said we'd paid ahead for our monthly payments, thereby accruing more interest for themselves. 
In their letter of XX/XX/XXXX, they gave us a name of someone to whom we could complain ; XXXX XXXX, XXXX XXXX XXXX. Her voice mail says she'll respond in 2 - 3 days. XXXX XXXX - their manager could also be reached at XXXX XXXX XXXX, ext XXXX. That number doesn't work. XXXX who made the original agreement has not returned our phone call made on XX/XX/XXXX when we discovered that only one {$400.00} mortgage payment had been taken from our bank account. XXXX then did manage to reach XXXX in the ombudsperson 's office and she said she'd work with XXXX and XXXX to resolve it. She said she won't guarantee that they can go back and change the principal payment we made in XXXX. We would have just paid the mortgage ourselves but we believed them and didn't want to have two additional payments taken out! Please just do as XXXX promised.
Consumer complaint received 2023-01-11
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)

I have been battling this inaccurate late payment for awhile now and this haven't been proven whatsoever. It would be nice and just to remove these inaccurate late remarks that never happened. 

Also, there are some unauthorized inquiries that I don't recognized.
Consumer complaint received 2022-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

received a phone call on XX/XX/XXXX from a phone number that was the same as Wells Fargo, exactly.. it was a person claiming I needed to make a transaction to reverse someone trying to take money out of my XXXX account XXXX The person told me to double check the phone number he was calling from with the phone number on the back of my Wells Fargo debit card and it was the same he also made me verify who I was through a Wells Fargo text message.. the text message was exactly the same as what Wells Fargo sends , to the t. The person that called me sounded like they were at a Wells Fargo location they were trained by Wells Fargo and they knew exactly how Wells Fargo works XXXX Somehow he convinced me to send money through zelly to myself and it ended up sending {$3500.00} to someone, scammer, out of a state. I called Wells Fargo complaint department immediately and filed a complaint I filed a police report I have been in constant contact with Wells Fargo ever since. 45 minutes wait time on hold before I speak to a representative every time. I received a letter yesterday XX/XX/XXXX dated XX/XX/XXXX saying my claim was denied. Please help.. I rarely use XXXX and never more than {$200.00} transactions.. I am extremely safe with my bank account but I feel this particular scammer had to be an inside job. 
I have filed police report. 
please help get my money back.!!!
Consumer complaint received 2023-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WV)

We applied for XXXX relief during the pandemic as we were struggling to make payments. Wells Fargo offered forbearance terms and stated that they would just put the missed payments on the back end of the loan. Our payments were about {$1800.00} per month and we took the forbearance period of the XXXX  months or so that was allowed. 
Well Fargo added {$30000.00} to our original loan amount. We paid {$330000.00} for our home and they raised that value to {$360000.00} and added XXXX  years to our mortgage. We now have a XXXX  year mortgage instead of XXXX. 
They have also raised our payments multiple times since we started paying again. We have contacted them several times and haven't had any luck. This is criminal to a hard working family of XXXX. 
We were told the forbearance was federally assisted and our terms wouldn't change.
Consumer complaint received 2020-11-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BARCLAYS BANK DELAWARE (AL)

Barclays Bank is refusing to close my online savings account, which is in good standing and has a {$0.00} balance. I have requested the account be closed several times, but the bank has refused to close the account without providing a valid reason.
Consumer complaint received 2020-04-17
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (FL)

I already reached out to the credit bureaus and notify them of their error posting for these accounts. My records associated with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CITICARDS and XXXX Financial accounts do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2021-04-06
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: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

i had a chime online checking 's banking and credit accounts and have been with them for about 2 years now and earlier this month i was informed by XXXX or the XXXX the company the either are owned by or work with that my information didn't match with my social and it turned out my last name was misspelled and i sent them a w9 or updated info through mail and then a few days later i called chime to make sure that the updated my info and was told new cards would be sent to me and now yesterday on the XXXX i was emailed that my accounts would be closing after reviewing my information without notice i had about {$1200.00} in those accounts all together and i just wasn't my money back the said the would mail me a check within 30 days which is wrong the should have let me transfer my money to another account or been able to withdrawal it. the haven't give me clarity on where my money is or anything that's my rent money and more
Consumer complaint received 2023-01-11
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. (DE)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$36000.00} ; XXXX XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$1400.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 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 2023-01-11
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. (HI)

The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXXXXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Equifax report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. This item shall be removed.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (OH)

I received a notice from XXXX that I have a collection account. I found that Southwest Credit Group has placed an account on my credit bureau. This account has been disputed with 2 other collection agencies and has been closed. But the creditor, XXXX XXXX, continues to place this account with other agencies. 

I am contacting you because I have been adversely affected by this credit reporting but SouthWest Credit Group has failed to notify me of this debt or their action to report this debt. I have received no notice or given the opportunity to dispute this debt. This is clearly a violation of my rights.