davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

I have had my mortgage with Ditech for many years, dating back to when they were Green Tree ( I believe that was their previous name ). I went through a divorce that was very difficult both emotionally and financially. The result was that I missed a few payments but was working with the team at Ditech to help me keep my home. At least that is what I thought. I worked with multiple representatives in the process and called frequently. I was asked to submit documentation that included, but not limited, to my divorce papers, my taxes, my employment, a letter of hardship, three months of bank statements, and the bills I inherited from my divorce ( alimony/child support/house valuation/etc. ). I faxed over a package and called them back to ensure they had received it and they confirmed they had but wanted some documents uploaded onto their website which I complied. I informed Dirtech that I could begin payments again on XXXX the XXXX and they assured me that they would work with me to keep my home and that there were multiple options they would work with me on. I called, as promised, on XXXX XXXX to begin making my mortgage payments again ( while the review I assumed was still going on ) and I was informed that Ditech no longer had my loan and that they had turned it over to a firm called XXXX. They said they had mailed me a letter but they did not and my history proves that every time I received something from them I called right away. I kept an open line of communication but I feel like Ditech lied and deceived me the whole time. This has caused me tremendous grief and disappointment. I was never informed of Ditech 's disposition of my request for relief and just the opposite, was continually told by multiple representatives XXXX XXXX, XXXX, XXXX, and XXXX to name a few ) that they would sincerely help. I am in a position now where I can begin payments but the new company is still counting my last payment for XXXX versus working with me on a new plan.
Consumer complaint received 2021-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a request to XXXX  to investigate and remove these in accurate items from my credit report on XX/XX/2021 and have yet to get a response from the and none of the items on my report have been removed either and these items are impacting my report negatively and are keeping me from moving forward in life at this point so I need them removed since the FCRA clearly states if any items can not be verified within 30 days they must be removed.
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

I am one of the unfortunate folks to have my mortgage loan servicing assigned to Select Portfolio Servicing, XXXX, UT. Ever since my  mortgage servicing was assigned to them, I have not been receiving monthly statements in a timely fashion. For example, last month 's statement was supposedly printed on XX/XX/XXXX and mailed. The due date for payment was XX/XX/XXXX. I didn't receive the statement till XX/XX/XXXX w

ell after its due date. And this has been consistent since given the sad news that my mortgage servicing had been assigned to this joke of a company. I have contacted them both by telephone and in writing on several occasions to discuss my experience. The response I have gotten is essentially, " it sucks to be you. We aren't going to do anything about it. So the process I am forced to do, is
wait for the statement to be published on their website. It is never consistent and usually shows up several days after it was " printed. '' I have to download it, print it out, fill it out, write out an envelope, put a stamp on it and mail it in if I want it to show up ahead of the due date. The response I have gotten back is that " we aren't doing anything
wrong '' and to " check with the post office. '' This isn't an issue for the post office. All of my other bills show up on time. This is the only one that doesn't.

I have not been able to speak to anyone beyond customer service to get this straightened out. They won't let me despite asking. Their cavalier attitude when it comes to " customer service '' is beyond reproach.

All I am asking for is a timely statement. You'd think that wouldn't be  much to ask. Seems everyone else I do business with provides timely statements. Nope. Not SPS. I maintain a 825+ credit score and am  XXXX about making timely payments. It frustrates me to no end that I can't make a simple request of a mortgage servicing company like this and being treated as a second class citizen. If there was any lick of common sense exhibited by SPS, you'd think they would want to resolve it. Nope. Instead, common sense remains elusive and out of reach. 

I am frustrated and mad that I am stuck with this joke of a company when I didn't ask for it. And I am angry as XXXX I can't do anything about it.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

I an enrolles with a company for family budget services to get my credit card payments reduced. The payment gets made but misses by a few days. Then TD Card services puts me over the 30 days past due by hundreds in the month of XXXX and XXXX and is effecting my credit score. I've tried with family budget services, TD card services, and multiple credit reporting to dispute these past due amounts. These past due amounts are well over what was even due and is become extremely aggravating and TD is not doing much to help.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open 2 accounts XXXX XXXX & XXXX opened XX/XX/ 2018 and XXXX opened XX/XX/2018. I  contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau or creditors. They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, close and delete these 2 accounts and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Consumer complaint received 2019-02-20
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)

I am a victim of identity theft. I recently learned that my personal information was used to open 2 accounts XXXX XXXX & XXXX opened XX/XX/2018 and XXXX opened XX/XX/2018. I contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau or creditors. They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, close and delete these 2 accounts and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Consumer complaint received 2019-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (VA)

XXXX19-XXXX19 there was {$280.00} taken off my account. I had someone staying with me XX/XX/19 and thats the day my card went missing there was there was 9 purchases made altogether some of them are in Virginia some of them are made in Florida and New York
Consumer complaint received 2023-01-09
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. (CA)

Again, It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-09
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-06-29
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. (MD)

To Whom It May Concern, I am looking over my credit report and I noticed a lot of inaccurate stuff i have been trying to get removed off my credit report by calling most of these companies. All of this stuff I am going to list, I never authorized and is fraud. I was told by a friend to come on this site and that under fair credit reporting act since i never authorized/signed any documents to run my credit with any of the following companies, this these erroneous things should be removed from my credit report on XXXX, equifax, XXXX and any other reporting agency 's. All of the following hard inquries i never authorized. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. If anyone has any questions feel free to give me a call as this is all false information. Thank you for your help.
Consumer complaint received 2023-01-09
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-06-29
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. (PA)

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Got an offer from the Citizens Bank for opening a checking and savings account, and got account opened and funded online at XX/XX/XXXX. Received a letter from the bank dated XX/XX/XXXX, and said the accounts were closed without giving a reason.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have reached out to XXXX, Transunion, XXXX, and XXXX on multiple occasions to investigate the incorrect reporting of this account and each account. This account is not reporting 100 % accurately and has multiple violations in the reporting. Each time I receive letters saying that this is verified and that the debt is validated ... how is that possible if the reporting is totally inaccurate ... .They did not conduct a proper investigation and they are in violation..I am XXXX ... I will be filing a complaint with the state attorney general if this is not removed immediately ... .see attached report and see below for some of the violations that my untrained eyes see ... someone should be holding these companies accountable to follow the law and guidelines that they are supposed to follow.

This account is charged off and sold to a collection agency but reporting a balance of {$2100.00} this is a violation they are reporting a credit limit on a charged off account. this is a violation they are reporting 2 different high credit limits this is a violation they are reporting a past due balance on an account they sold to a collection agency and charged off ... this is a violation they are reporting 3 different dates of last active. this is a violation ... this account has been re aged the 2 year payment history is definitely a violation ... they are reporting a new charge off each month and this is killing my score ....
Consumer complaint received 2023-01-09
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. (IL)

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. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

This company collection of Athens is a complete fraud on consumers violating our Civil rights act, consumer financial and federal credit protection! I DO NO OWE THIS XXXX  XXXX XXXX. Has any one attempted to dial the phone numbers presented on this complainants in the past? I suggest that you do. Because this company has pulled and found illegally medical claims from innocent people who do not owe them as the bills where settled in the insurance transaction and or doctors office! And because coll of Athens has failed to do the right thing this is a major violation Of ones rights and consumer protection! Ruining someones credit and livelihood!! Dr at the XXXX  ( XXXX  ) XXXX even this automated systems if you have my real information shows no balance : : : : XXXX ( XXXX  ) XXXX The Dr already contacted this bogus coll co and they failed to call him back, as he is the biller  and says I dont owe a XXXX! Besides that he does not work with this ERRONEOUS CO TO BEGIN WITH HOW DID THEY GET MY CONFIDENTIAL RECORDS FROM XXXX to say that I owe and I fully do not as of XXXX. Coll of Athens refuse to corporate and update anything because their full of fraudulent activities! 


Receipt Dear Member, Thank you for your recent payment request. We want to confirm that you verbally authorized XXXX XXXX XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  ET to initiate a one-time Credit Card charge to your account. Details regarding the transaction are below : Also the attached EOB SHOWS CLEAR OF PAYMENTS IF YOU CAN READ AN EOB AND CALL THE DOC NUMBER I GAVE YOU RO CLARIFY THIS ERRONEOUS MIX UP YOUR CLAIMING I OWE!!!!! 
Name : XXXX  XXXX Customer Number : XXXX Confirmation Number : XXXX Scheduled Settlement Date : XXXX Total amounts paid : {$300.00} and {$260.00} ( Insurance paid in coinsurance/deductibles ) The payment will be completed on the Scheduled Settlement Date or shortly thereafter.

If you have any questions or concerns, or if you require clarification regarding this email, please call the number on your ID card. Please do not respond to this email as there is no one monitoring this email address. 

Sincerely, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  See other medical terms : XXXX  department XXXX
Consumer complaint received 2020-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

I made a settlement with lvnv funding llc and the issue was resolve, I was told that they would remove it off my credit file but not only am I still receiving calls stating I owe but it has not been removed of any of my files
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/XXXX I was reached out by a potential employer under " XXXX XXXXXXXX XXXX '', they had all of my information ; address, name, a phone number. I was told to deposit a check in the amount of {$4900.00} which was mailed to me via USPS ( tracking # XXXX XXXX. The check arrived on XX/XX/XXXX and was deposited to my account by me on the same day. On the XX/XX/XXXX, the check was CLEARED by the bank and funded into my account. I proceeded to believe this possible employer after the bank made funds available, the instructions were to withdraw {$4200.00} from the account and keep {$750.00} as payment for the week. Once the money was withdrawn I was to deposit the money in cash to a XXXX XXXX under account # XXXX under the name XXXX XXXX an alleged orphanage leader. The same night on the XX/XX/XXXX the check was returned and labeled Altered/Fictitious by the bank. I submitted a police report on XX/XX/XXXX ( report # XXXX ) and I was told by the bank branch near me to submit a report first before making a claim, something that I did immediately. I was given a phone number to which I called and was made feel as if I were a criminal, the bank representatives refused to help or take any further action with the police report number. All I was told was that my account was going to be shut down and I would never be able to do business with Chase again. Furthermore, after escalating the call to a manager, I was hung up on 3 times. I was never irate or disrespectful, I was only trying to understand the justification for their acts. One rep on a recorded line told me that sometimes checks like these " slip '' through the system. Should I bare all of the responsibility when I trusted the bank to authenticate and fund me transactions that are legitimate? I was given no further word from the bank, only a request for full payment and threats of never being able to open a bank account again " We are a financial institution, not a charity ''.
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (TX)

I disputed hard inquiries reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the unauthorized hard inquiries from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.
Consumer complaint received 2020-08-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CT)

Around XX/XX/2020 Goldman XXXX Bank ( GS Bank ) detected fraudulent activity on my savings acct. On XX/XX/2020 I was sent the attached notice that the funds subject to the fraud had been recovered. Since then I have attempted to access my account but am told by GS Bank that the account is locked. 

On XX/XX/2020, I sent GS Bank the attached letter requesting that my account be closed and a check along with an accounting be sent to me. Since XX/XX/2020, GS Bank has called me twice - I returned each call and each time was on hold for an extended period of time. The first time I was told the check and accounting were on the way. The second time after holding for quite a while I was told that they would call me back.. they never did. 

It has been over 4 months and I can not access or get an accounting of my deposit.
Consumer complaint received 2018-09-26
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)

Since XX/XX/XXXX My credit began to loose points for unknown reason. I contacted EQUIFAX 10 times online, to know the reason of the lost. I have 10 confirmation numbers in proof of my requests. The last one suggested me to chat online. I have 4 transcriptions online saying, they can not help. I spent over a month trying to get an answer, but EQUIFAX customer service was unable to provided me with an answer. 
I run my credit on XX/XX/XXXX and my credit scores were correctly reported. I did again on XX/XX/XXXX ( I didn't requests any credit or did nothing financially that can be considered to lower my credit scores ) I requested 10 times in writing an answer online and called over 7 times. But I can show transcriptions that looks as games.. EQUIFAX customer service is one of the worst humiliating experiences I have in this area. Please help me, I need to know the reason why my credit is loosing points. I work very hard to keep an outstanding credit.