davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

This is regarding the business Greentree Servicing. I have been trying to make my mortgage payment for the past two-three weeks. No one at the company is answering the phone/my calls and the company 's website wont take my payment online. I originally made a payment on XXXX XXXX and was told on XXXX XXXX that it did not go through. I called on XXXX and everyday since then to try making the payment again and have yet to reach someone with the company. The only contact number I can find in relation to payments is ( XXXX ) XXXX, and no one is answering. I do not know what else to do and its getting close to the end of the month. I do not want this to be reported on my credit when I actually do have the money to make the payment. Anything that you can do to help would be greatly appreciated.
Consumer complaint received 2015-10-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CO)

We had filed for bankruptcy a few years ago, and it was discharged. then we started getting letters form the city of XXXX about weed control. we sent them copies of our bankruptcy and tried to explain that we no longer had control of said property. if to this day we keep getting told that the bank never follow through with fore-closer and that westill have our name on the papers. then the first part of XXXX 2015 we get a letter form a lady that we must take care of a tree. What do we do?
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I logged into credit XXXX to get my free credit score and when I did I discovered that there are debts on there that are not mine are that is already paid so I called Equifax they would n't help me they tried to charge me to answer my questions I tried to log into their site I could n't log in because there were questions on there that I could n't answer about a home loan and a car loan that I have never had I 've never bought a car or house also they say I have opening credit cards and Retail credit cards and I do not they say I have a {$23000.00} debt from the hospital which should have been paid by Georgia Medicaid which I was covered under at the time what do I need to do about my credit report I can not get any help anywhere
Consumer complaint received 2021-10-03
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. (TX)

Equifax is reporting inaccurate public record information. They failed to do a proper investigation. They said that they validating this. I went to the court the court said they don't validate or report to any credit bureaus. Here is my letter from the court but yet the credit bureau is still verifying this information as accurate. The US Bankruptcy court-XXXX ID # XXXX is inaccurate. I attached proof that this information was not verified with the courts. 
I contacted XXXX XXXX a letter via mail on XX/XX/2021 requesting them to verify and provide me with a copy of a contract that I have with their company, bearing my signature, provide me with a copy of my HIPPA release from the medical creditor that releases my medial information to them. Provide me with the first date of delinquency from the original creditor in accordance with FCRA Sec 623 ( a ) ( 5 ) ( A ) ( B ). They violated my HIPPA rights and did not provide me with the requested information. 
Equifax stated they obtained my information from third party vendor, XXXX on XX/XX/2021 but, I put a security freeze on my information on XX/XX/2021 with XXXX. Another Credit Bureau, XXXX, deleted the collection item, XXXX XXXX XXXX, from my credit report, but I thought all your information was obtained from XXXX, like XXXX. please see the attached Equifax dispute results, XXXX security freeze, XXXX account deletion, and also the letter I sent to XXXX XXXX.
Consumer complaint received 2015-10-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MO)

I currently have a debt to Springleaf Financial. This issue has persisted for approx a year. This company will call me constantly, multiple times a day, on different telephone numbers, sometimes leave messages and sometimes not. They have called me at work when I have asked them not too. When they dont reach me they call my " reference '' list of individuals that they required i leave with them. These individuals include my children, family, friends, none of which have any responsibility towards this debt. I have asked for this to stop on many occasions and it persists. I realize this is my debt and I am making attempts to get it paid, but this is harassment of myself and others. I do n't know what else to do and found this information on the internet. Thank you.
Consumer complaint received 2019-02-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Services has repeatedly re-aged a collection amount of {$250.00} on behalf of XXXX XXXX XXXX XXXX. I have brought this to their attention as well as to all three credit bureaus. In XXXX, it was removed and they denied the re-aging. In XXXX, they have re-aged the debt claimed again as if it were new. This has been re-aged multiple times over the last XXXX years even after I have complained and brought it to their attention. I want this debt removed immediately from all three credit bureaus and all collection efforts ceased. If this is found to be a repeated pattern of this collection agency, I believe they should be heavily fined, prosecuted and a potential class action lawsuit evaluated. This has negatively impacted my credit score several times now. If I have to I will request a copy of my consumer file from each agency at my expense to show the history. Or, they could just STOP. 
Phoenix Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Amount {$250.00}, indicated as new XX/XX/XXXX
Consumer complaint received 2015-11-05
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

I was sent an American Express rewards credit card with a {$50.00} credit balance issued as a rebate after the purchase I made from an online retailer. 

The initial card was lost in the mail ( I believe issued around XX/XX/XXXX ), and another card was re-issued to me in XXXX 2015 after I filed a claim stating I never received the first card. A {$2.00} monthly maintenance charge was assessed in XXXX and again in XXXX. 

After speaking with customer service, they informed me that the back of their cards states 'Subject to applicable law, a {$2.00} monthly fee will be assessed against the card balance starting 5 months after card issuance. Funds do not expire. " Based upon the original card issuance in XXXX, and regardless of the fact that I never received it, they said they begin assessing fees beginning at the 5 month point and they can not reverse the fees. They also said that they would not be willing to issue another card for the amount of the fees reduced. 

I told them that this is a violation of The Credit Card Act XX/XX/XXXX, as Gift cards are prohibited from charging fees during the first 12 months from the time of purchase, and that I was going to file a complaint with the CFPB. The supervisor I spoke to said he would notate the account.
Consumer complaint received 2016-11-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I get calls, which I do n't answer, from this Collection Co on my cell phone and I do not have any debts. We are a home with old folks with XXXX and do not like to be disturbed. We do not owe them anything. Please stop the calls.
Consumer complaint received 2015-03-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I wish to make a complaint against Santander Bank. 
All the banks I do business with post the interest on the last day of the statement cycle. Then the cycle ends at XXXX and the statementis printed to be sent out or available online. XXXX posts theinterest on the XXXX day after the statement cycle ends. In that case Iloose XXXX day of interest compounding. So, then the effective rate thatis incorrect.
Consumer complaint received 2024-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (PA)

On XX/XX/XXXX Truist Bank opened an online account with someone claiming to have my social security and date of birth and address. None of this was authorized by me and I have cooperated with the bank but they refuse to provide me additional information about what email address was used to open this account and what phone number. They have agreed it was not mine and have closed the account down. They are citing a privacy law on not providing more information on who may have opened this account illegally. I have been in touch and have asked what privacy laws are being violated in providing me the victim that information and they will not return my calls or emails.
Consumer complaint received 2016-12-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (CA)

On XXXX I sent a notice of dispute to Wilshire Consumer Credit. This letter was sent via USPS Certified Mail with return receipt ( # XXXX ) and was signed for by XXXX XXXX on XXXX. 

Subsequently I filed disputes with the XXXX major credit reporting agencies, requesting that they investigate the accuracy and completeness of the account. 

On XXXX Wilshire sent correspondence acknowledging my dispute. Their correspondence indicated their belief that they were reporting accurately and their refusal to delete or modify the reporting. 

On XXXX I received investigation results from XXXX indicating that the " account remains ''. 

On XXXX I received investigation results from XXXX indicating that they " verified that this item has been reported correctly ''. 

On XXXX I received investigation results from XXXX indicating that " new information '' was reported. 

Despite their continued verification, none of these credit reports were updated to indicate my dispute of the completeness and/or accuracy of your reporting. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. XX/XX/XXXXs-2 ] ( a ) .3 of the FCRA states " If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' Again, this was not done. I 'm sure Wilshire is aware of the consequences of violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations their company is now responsible for. If not, let me point them out for you : FCRA 1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. XX/XX/XXXXs-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. 
XXXX. XXXX. Procedure in case of disputed accuracy [ XXXX XXXX XXXX ] ( XXXX XXXX Treatment of inaccurate or unverifiable information. 

XXXX. Civil liability [ XXXX XXXX XXXX ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} I have made numerous attempts to resolve this matter. Wilshire has continued to sent form letters which do not appear to be specific to my individual situation.
Consumer complaint received 2022-02-14
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. (AZ)

Choose according to account type. These can be combined 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 2021-10-03
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)

Reporting items that violate my rights as a federally protected consumer. XXXX  bal. {$1100.00} Acc. no. XXXX : XXXX XXXX bal. {$510.00} Acc. no. XXXX ; XXXX XXXX bal. {$420.00} Acc. no. XXXX
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

I received an alert from equifax that my home address had changed to XXXX XXXX XXXX XXXX XXXX Florida XXXX had changed to XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

I said that XXXX XXXX " XXXX XXXX '' does not exist and that I did not authorize it. I was told I 'd have to fax my drivers license XXXX utility bills, a copy of my ss # card. 
I asked to speak to a supervisor and spoke to a supervisor " XXXX '', who said if I did not like my service I could cancel it. Well, three seconds after my call I received an email that my membership was due to cancel on XXXX/XXXX/2015
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Platinum Holdings Group, LLC (MS)

I am the sister-in-law of an individual. I am completely unaware of his finances and do not speak to him regarding financial matters. 
I have been called twice by an organization named Worldwide Asset Services using the name XXXX XXXX on XXXX XXXX, 2016 and providing no name at all on XX/XX/2016. The individual indicated that a individual with my brother in law 's name was a defendant in a potential civil suit and requested his contact information. I am unwilling to provide contact information for my brother-in-law and when I so stated, the individual on the phone accused me of being, " uncooperative. '' When I objected to his aggressive tone he stated " I am absolutely being aggressive. '' I have no way of knowing if the individual I am related to by marriage is the individual they are seeking or even if they are a real company. I do know that I am not a party to any business relationship with this company. I do not want to receive any more communication from this company. 
The XXXX phone numbers the calls sourced from are XXXX and XXXX. 
On both occaisions I have insisted that they not call me again.
Consumer complaint received 2015-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc. (LA)

EOS CCA has listed a debt of ~ {$490.00} for " ATT MOBILITY '' on my credit report and refuses to validate my debt and will not remove the record. 

Specifically they say my last payment was on XX/XX/XXXX and is schedule to continue on record until XX/XX/XXXX. It is currently registered with XXXX and XXXX.
Consumer complaint received 2024-05-13
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (OR)

I applied for a XXXX payment with no interest for a TV system at Best Buy for {$61000.00}, but Citi only approved {$4000.00}. Then, they sent me an email saying that because I applied twice, I was disqualified.

I don't understand unless it was the account from over XXXX years ago, and Best Buy support that helped me with the application was told that.

I have a credit score of XXXX, and no reason to be denied the credit. 
It must be that I will be XXXX next month. 

I tried calling Citi but just got connected to an automated system. 

XXXX XXXX XXXXXXXX did the same when I switched my XXXX Business to them. However, they only approved {$12000.00} on the visa, and I have been running and need {$50000.00}. I was only switching so their system would connect with my accounting program. 
It has to be age dicrimination.
Consumer complaint received 2019-02-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (MN)

XX/XX/XXXX XXXX XXXX Hyundai XXXX overnighted my last lease payment of {$490.00} to Hyundai XXXX XXXX on my XXXX XXXX. 
XX/XX/XXXX XXXX XXXX has evidence of receipt of the payment by XXXX XX/XX/XXXX Contacted XXXX  to verify they received my lease payment. They said they did not and to contact them back in " 2 weeks ''. 
XX/XX/XXXX Contacted XXXX to, again, try to verify receipt of my lease payment. They said they did not and to call them back in " 2 weeks '' XX/XX/XXXX XXXX XXXX obtained proof that XXXX cashed the check XX/XX/XXXX Contacted XXXX to verify receipt of my lease payment. They said they did not. I asked them to verify to see if it was not applied to my XXXX XXXX. They said it was not. They said to call back in " 2 weeks '' but got the name of the person of whom to send a copy of the canceled check to a contact person and email address. 
XX/XX/XXXX Contacted XXXX XXXX to obtain a copy of the front and back of the canceled check. 
XX/XX/XXXX Forward a copy of the canceled to the address provided to me on the XXXX from XXXX. 
XX/XX/XXXX Contacted XXXX to verify they received my email with a copy of the canceled check. They did but would not do anything without " more research because they did not know where it may have been posted to '' - again, they said to contact them in " 2 weeks ''! 
In the meantime, I am getting text messages and late notices from XXXX that my payment is due and still can not get anyone to post the payment they have acknowledged getting for my specific account. 
XX/XX/XXXX Contacted XXXX - again, my payment is NOT posted and they claim they have no record of it.
Consumer complaint received 2015-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bilateral Credit Corp, LLC (TX)

The debt collection company Bilateral Credit is attempting to collect a debt that I do not owe. I have documentation clearing showing that the debt was paid in full in XX/XX/XXXX directly to the original creditor. However, the company continues to harass me by calling me at work multiple times per week. They did not respond to my letter showing that the debt was paid-in-full. Instead, they have continued trying to collect the debt more than one month after I provided this documentation. 

I have attached to this complaint my correspondence with bilateral credit and their correspondence to me. This also includes the documentation that shows the check I mailed to the original creditor with the letter attached. As stated in my payment letter, by depositing the check, XXXX acknowledged that this debt was paid-in-full. 

Bilateral Credit has now filed a negative account status on my credit report with XXXX. As this is a dispute between an employer and employee, this should never have been reported on my credit report as delinquent consumer debt account. There was never any debt agreement in place with my former employer, so I fail to understand how this can be reported as consumer debt. Nor did I ever enter into a debt agreement with this employer. This is clearly harassment, and Bilateral Credit is violating the Fair Credit Reporting Act by submitting this improperly.
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

I paid for a membership with Equifax to obtain my credit report and to remove my mother 's XXXX XXXX XXXX 's credit card from my credit report. I am not even an authorized user on her credit report, just her checking account in case of emergency. NOT her credit card. This has damaged my income/debt percentage and my scores plummeted and it will affect my handicap housing application. Every single person I have spoken with by phone and by chat provides me with a link for me to figure it out by myself. I ca n't figure it out because it 's not user friendly. I ca n't even see the credit report that I paid for ; just a summary. No agents from the XXXX are available and the agents XXXX hang up on me, repeat the link, place me on hold indefinitely, tell me there is no supervisor available, etc. 
The XXXX XXXX XXXX credit card is not mine and I 'm not an authorized user. When you call Equifax it directs you to AUTOMATED menu and AUTOMATED sub-menus. I have received ZERO help from my membership. People are rude to the point of saying : what do you want?. I want my money back because I am unable to dispute XXXX XXXX XXXX entry or I want someone to call ME ( from the XXXX ) and get assist me via phone. I have phone logs and copies of chats from the past 3 days which have totaled 6 hours and 12 minutes yet I have not been able to dispute XXXX XXXX XXXX. Also, they have my CURRENT address as a PREVIOUS address and my CURRENT address was never even MY address! It belonged to my STEP mother from almost TEN years ago. I was given an AUTOMATED phone number to fix that as well.