davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

Escrow payment went up and I made a payment for the old amount ( accidentally ). I realized the error of my ways and paid the added escrow amount. During the time I made the XXXX payment and the XXXX for the escrow account, the bank did not apply the payment to the mortgage. I called to register a complaint about this practice and the agent put me on hold as he tried to figure out the issue, though I already explained to home what happened. Once he called someone to figure out what I explained, he tried to explain to me what happened, which was not accurate. He said they did not hold on to my payment and not apply. Then he realized the error and explained it correctly. I asked repeatedly to register my complaint and all he wanted to tell me is that is how the process works. I even said I was going to the CFPB and he still would not acknowledge filing my complaint. Throughout all of this he said if a customer makes an overpayment that they will not apply the funds to principal until a full payment is made ( principle and escrow ). Th is not acceptable for a bank to hold on to funds when they should apply to the outstanding balance. It is also not acceptable for someone to have to spend XXXX trying to log a complaint and receive push back from the telephone agent. He made a bad experience worse
Consumer complaint received 2016-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MI)

I have a mortgage through Greentree/Ditech. I have paid on it for 20 years. The original loan was for {$24000.00}. They are now saying I owe {$7400.00}. I believe this loan should be paid off. I am recovering from a XXXX and no longer able to work. i have to live on my SS XXXX which is only about {$1100.00} A month. I hope and pray you can help me with this awful company.
Consumer complaint received 2020-07-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (CO)

Credit Control , LLC was supposedly given my account by XXXX on XX/XX/2020, regarding a credit card debt that was not cleared by my ex-husband after our divorce. I had spoken with the first debt collected, XXXX XXXX, and told them I couldnt do anything because of COVID affected unemployment. They were supposed to stop communication. I only found out about Credit Control , LLC and got their name and number because they called my sister, and, illegally, told her about my supposed debt. I have audio recording of the phone call I made to them in response to their illegal activity.
Consumer complaint received 2016-04-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focused Recovery Solutions, Inc. (VA)

This company needs to remove all information from my credit reports. To my knowledge, all medical bills were paid by insurance and up to date. I have never been informed of any debts owed, and even if there are some that I do not know about, their client did XXXX and almost sent me into XXXX XXXX for not doing test requested by me and my wife as well as noted in my medical files. I have a case against their client for negligence.
Consumer complaint received 2016-11-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

Since the XX/XX/2016, I have been in the process of submitting documentation to Ditech Financial for loan # XXXX for the purposes of a new revised loan via HARP or HAMP guidelines. On XXXX XXXX, 2016, Ditech asked for and received on XXXX XXXX, 2016 ten different documentation Items. One of these were rental agreements that I am a partner in. I have not received any further notice about my loan status until today when I received in essence a refusal letter. I am outraged at this lack of communication and want to bring this to your attention as I have been very patient. The current loan indexes into a 20 year amortization and will increase the mortgage by XXXX. This indexing was never explained to me many years ago. I am now retired and can not afford this. My payment record with Ditech is impeccable but I fear this will not continue upon indexing. Lastly, I mistakenly sent them my lease copies and have spoke to XXXX, at XXXX, ext XXXX, about getting copies returned to me. I even offered to have them picked up, I was refused. I spoke to XXXX at the same # ext XXXX, he assured me he would take care of it, still no copies. I then spoke to their supervisor XXXX on XXXX XXXX. Again, I was assured the copies would be mailed out to me on the XXXX. Still no copies.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Convergent OutSourcing is trying to collect {$1200.00} for a utility bill from Texas. I don't live in Texas. I would never co -sign for anybody. The last time I have been to Texas was at 1994. I live in Florida. I Have outstanding credit. I have been working for the XXXX XXXX as a XXXX  XXXX for XXXX. I have reported this to XXXX everything was erased because it was fraud. This happened last year with another collector it was also erased but it came back again with this Collection Agency. Convergent energy asked me to file a police report as well. This is where I'm confused? Is this necessary? Your help will be greatly appreciated. Thank You Creditor : XXXX XXXX XXXX  # XXXX Convergent Acct XXXX  XXXX
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: LEXISNEXIS (OH)

XX/XX/2022 I went to my courthouse to ask if they report bankruptcies to the credit bureaus. They gave me a letter stating They do not report any bankruptcies to anyone. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to 15 USC 1681.

The credit bureaus violated my given rights under 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

According to : 15 U.S.C 1681 section 602 A ( 4 ). I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (GA)

I file 2 transactions that I did not make one for {$26.00} on XX/XX/XXXX and one on XX/XX/XXXX the one on XX/XX/XXXX cash app still have not provided any documents after request the response I received back from my last complaint is my response to the company and on XX/XX/XXXX I file another dispute which cash app sent me some type of email saying verify which my identity is already verified so I uploaded my documents and my selfie they told me my identity failed when its the same verification I done before and replied with my dispute denied
Consumer complaint received 2018-09-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NY)

XXXX XXXX has been calling non stop at all hours and even hanging up when asking who they are and to stop calling. This is not my debt. This belongs to my daughter who does not live with me. I am an elderly XXXX veteran and have XXXX and these constant phone calls are causing additional emotional stress to have them keep calling all day and I cant just ignore the phone and I cant lay down cause everytime i do they call and hang up. Please help as I am also contacting a lawyer as well to help.
Consumer complaint received 2018-09-30
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. (MO)

My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX Known Alias : XXXX XXXX XXXX. Received notification on XX/XX/XXXX by XXXX  ID monitoring that new Collection has appeared on Experian Report. Collection shows XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX for amount of {$1200.00}. Original Creditor was XXXX XXXX XXXX. Contacted on XX/XX/XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. CSR was unable to locate the debt with my Name, Adress, or telephone number. Reluctantly provided my SS # to find out what this was about. XXXX asked for my date of birth to confirm Identity. Stated that Date of Birth they have on record does not match. CSR asked my legal name and if I knew a XXXX. I stated that it is my middle name. CSR stated that debt was not mine, the only match they had was a SS #, and it was for a person with a different name and birthdate. CSR stated would be removed from credit profile in 2-3 weeks. Contacted Experian to make sure was properly disputed as well as to place a fraud alert on my account. Was told by Experian that XXXX XXXX XXXX, is reporting the Debt for : XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX MO XXXX. Disputed the debt with Experian as I have lived at my current address for 6 years and have never had the alias XXXX XXXX XXXX. Experian dispute was completed as the debt is accurate on XX/XX/XXXX. Contacted Experian to redispute. Experian states that XXXX XXXX XXXX has updated the debt to my current address at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. Reopened dispute for debt with Experian on XX/XX/XXXX and Dispute name XXXX XXXX XXXX as not a known alias and the address for XXXX XXXX XXXX that will still showing on my profile. On XX/XX/XXXX open the mail and have a letter addressed to XXXX XXXX XXXX Marked personal and confidential from XXXX XXXX XXXX XXXX, NC XXXX. As this is not me I have put back in Mail as return to sender. Am beyond exhausted and frustrated. I have never recieved care from XXXX XXXX XXXX nor do I owe any known entity. Frustrated that the collection agency is slowing changing the debt to where it has more and more of my information and am concerned that they may have updated my birth date to the debt when I contacted them for verification. Was part of XXXX breach and had a similar issue in the past. Concerned that XXXX is using information contained within XXXX breach to attach a debt for XXXX XXXX XXXX, that has a similar name to mine, to my SS #. Do not know when original service was provided, but can provide further details of my schedule to prove that I was not provided the services by XXXX that XXXX is trying to collect. Also upon request can show Utility bills starting with when I moved into my current address to current.
Consumer complaint received 2018-09-30
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: SYNCHRONY FINANCIAL (CA)

My XXXX bank credit card was closed on early this year because I was not making my payments. I contacted XXXX bank through letters stating that I was going through a financial hardship and they still closed my account as well as keeping XXXX late payments on my account. For the months of XXXX to XXXX of XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with XXXX bank since XXXX. For them to close my account and not waive my 2 late payments knowing that I was going through a financial hardship is not great customer service but terrible.
Consumer complaint received 2021-09-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (FL)

On XX/XX/2021 I ( XXXX XXXX ) leased a new XXXX XXXX XXXX from XXXX XXXX in XXXX, FL. The Finance company is Southeast Toyota Finance.

The first payment needed to be made after the invoice was received then the auto pay could be set up. 
We sent the first payment on XX/XX/2021, It was received and cashed on XX/XX/2021. 
I then set up autopay to start for the remainder of the lease payments commencing on XX/XX/2021. 
I started receiving phone calls from Southeast Toyota Finance as of XX/XX/2021 saying they had not received our payment and we needed to submit asap. 
After 22 phone calls between 2 phones, speaking with 6 representatives who said they would rectify after I had the bank fax the proof to them, nothing. The calls keep persisting multiple times a day. No one there is taking care of and now it is on our credit bureau report. I need help since they seem to be incompetent and this is effecting my life daily. 
Thank you, XXXX XXXX
Consumer complaint received 2021-04-06
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 mailed correspondence asking for investigation into information on my credit report on XX/XX/2021. I have not received a response from XXXX I followed up with a letter on XX/XX/2021. I have received no correspondence from XXXX regarding this request. 

I sent the same request to XXXX  and Experian, specifically requesting they show me the method of verification and send me the proof they retain that shows the reporting meets FCRA requirements. XXXX and Experian both verified that the information was accurate but have not provided any proof showing me how it's accurate. I sent certified mail to both bureaus that Experian received on XX/XX/XXXX and XXXX received on XX/XX/XXXX. Neither bureau acknowledged receipt of this letter that specifically says they did not honor my request of proof of the information reported on my credit report. On XX/XX/XXXX I sent a copy of my credit report showing specific items that I highlighted and explained why or how they are reporting erroneously that they had previously " verified as accurate. '' I asked that the accounts be deleted from my report as they are not permitted to report false information. 

I can provide specific information about the accounts that I believe are reporting erroneously upon request.
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

XXXX, Experian, and XXXX  are showing the only ADVERSE ACCOUNT on my credit report to be a XXXX XXXX credit card which I do not have and have never had, a XXXX XXXX credit card. 
On a phone call with Experian they confirmed that the XXXX for the XXXX XXXX account did not match my own but they have not removed the false information from my credit report. I have made the same complaint to XXXX. They know the charge is not mine but have yet to remove it. 
It has been almost a year since I have contacted them and they still have yet to remove the data from my report. 
These agencies have caused me serious distress and have lawlessly disobeyed the requirement to remove false data within 30 days of confirming the inaccurate information.
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (CA)

My XXXX credit card was closed on early this year because I was not making my payments. I contacted XXXX through letters stating that I was going through a financial hardship and they still closed my account as well as keeping 4 late payments on my account. For the months of XXXX to XXXX of XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with XXXX since XXXX. For them to close my account and not waive my 4 late payments knowing that I was going through a financial hardship is not great customer service but terrible.
Consumer complaint received 2017-10-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau (NY)

I am a XXXX XXXX whose policy coveres 100 % of all EMERGENCY room services ( the accounts being disputed are emergency room services ) with {$0.00} Co-payment and no member obligation. I 'm not liable for these collection accounts. This medical debt was n't correctly billed to medicade at the time of service which is no fault of mine. I have on countless occasions provide all the information required to bill Medicade properly, to both the Hospital and Collection agency. They keep reporting the same Negitive information on my credit report after taking the billing payment information. 

Being that I am a XXXX XXXX with {$0.00} copayment I 'm not eligible for collection accounts from an out-of-state Hospital or emergency room because the hospital must settle the debt directly with Medicaid and the accounts to show payment in full according to the following federal regulations : When you provide services to a Medicaid member from another state, you must accept that states Medicaid allowance ( less any member responsibility such as copayments ) as payment in full. Please note that billing out-of-state Medicaid members for any amounts in excess of the Medicaid-allowed amount for Medicaid-covered services is specifically prohibited by federal regulations ( 42 CFR 447.15 ). -XXXX
Consumer complaint received 2018-09-30
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USCB, Inc. (CA)

I am constantly receiving calls from this company about a debt I know nothing about. I have requested they stop contacting me because they call before XXXX Now I have received a collection notice that states they have not heard back from me and the unknown debt of mine is steadily gaining interest. It appears to be for a hospital bill when I have double coverage and I am a recipient of XXXX.
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo credit card was closed on early this year because I was not making my payments on time. I contacted Wells Fargo through letters stating that I was going through a financial hardship and they still closed my account as well as keeping 4 late payments on my account. For the months of XXXX to XXXX of XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with Wells Fargo since XXXX. For them to close my account and not waive my 4 late payments knowing that I was going through a financial hardship is not great customer service but terrible.
Consumer complaint received 2023-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing this complaint to CAPITAL ONE. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I had a collection on my credit report from Experian. I paid the collection ( XXXX XXXX XXXX ). The collection agency updated all 3 credit bureaus. Both XXXX  and XXXX XXXX updated their system. However XXXX  refuses to update their system. They still have the debt listed as an open collection account. It is not an open collection because the debt has been paid. I contacted Experian and the representaive XXXX told me that they ( Experian ) will not change the status of the collection. He said although it's been paid, the bureau will still continue to report it as an open collection for 7 years. This is an injustice because acording to FCRA Section 623, Experian is supposed to correct information after they were provided proof. I submitted a copy of the letter from XXXX and the collection agency also gave them proof. This is defamation and wilful injury to my credit report by Experian. As a result, I can not obtain credit because their listing of an open collection account is seen as DERRAGATORY by other creditors. I paid my debt/collection and Experian is still punishing me. This is cruel and inhumane. I am asking for Experian to update the status and remove the derragatory mark on my credit report. If the collection is PAID, it should not be reported as a open Collecion. It's not a collection anymore because I satisfied the debt.
Consumer complaint received 2016-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (OH)

This company has been reporting the same information on my credit report for a while, I have had this information disputed on my credit report and it was removed. Every couple of years the information would appear on my credit report again. It is causing me a lot of problems. I am trying to purchase a house and this information keeps popping up. I have tried to contact the company but no response. I just want this problem handled.