davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (VA)

During the process of selling my home in XXXX, FL the title company, XXXX XXXX XXXX requested a loan payoff amount as is industry norm. XXXX XXXX XXXX received the payoff amount by fax on XX/XX/XXXX from the lender, Ditech, which showed the payoff of XXXX listed on the statment as valid throughXX/XX/XXXX. XXXX XXXX XXXX  paid this amount to Ditech on XX/XX/XXXXwith electronic IMAD # XXXX. I received a letter from Ditech approximatelyXX/XX/XXXX that stated that my payment was late. I contacted Ditech and they informed me that they had mis-applied the monies and that they in fact had a surplus in the account that would re-disbursed to me no later thanXX/XX/XXXX. On XX/XX/XXXX I received a letter from Ditech stating that my loan was still open and that I owed in excess of {$800.00} that was dated XX/XX/XXXX. Upon calling Ditech I was told that they paid the taxes on XX/XX/XXXX therefore, the payoff letter was nullified. Ditech charged me in excess of {$1000.00} dollars in interest on the loan during this time. I then paid {$1000.00} from my personal account onXX/XX/XXXXto satisfy any possible outstanding balances even though there was a surplus of more than {$570.00} in my escrow account. Pursuant to federal law, being that the taxes for year to date had not been paid by anyone on XX/XX/XXXX, upon closing, XXXX XXXX XXXX paid the taxes on the property and they were received by XXXX County Tax Collector on XX/XX/XXXXwith a check that cleared that same day. The reference number for the check is XXXX in the amount of {$1200.00}. XXXX County Tax Collectors office informed me by phone on XX/XX/XXXX that they did not receive a check from Ditech for the taxes untilXX/XX/XXXXand the envelope the payment arrived in was post markedXX/XX/XXXXThis does not match the payment date of XX/XX/XXXXas stated by Ditech. The rejection letter for the payment and check were returned to Ditech on XX/XX/XXXXby XXXX County Tax Collector as the account had already been paid by XXXX XXXX XXXX  on XX/XX/XXXX XXXX County Tax Collectors Office can be reached at XXXX  option 2.I have all documents referenced and those that show I was continued to have interest charged on my account in excess of {$1000.00} even with the exacting dollar amounts listed as pay off delivered within one day of the payoff letter being faxed to XXXX XXXX XXXX. I have spoken to 5 or 6 different employees and each one has " no idea why all this happened '' but they " apologize and will do what they can to help '' which to date has been nothing. These people need to be held accountable for their ILLEGAL and UN-ETHICAL practices. Again, Ditech has not provided truths in this manner and this falls under predatory and illegal practices. Additionally, they have to date REFUSED to put any of the conversations over the phone in writing with me and they have REFUSED to send me a statement of my account with full payment history. They have preyed on me as member of the US Military and I am certain they have done the same to others.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TN)

Due to the recent Equifax hack, which left over XXXX XXXX people 's personal data exposed and at risk, I have had to freeze my credit report with all three major credit reporting companies. The process of freezing credit reports cost me {$7.00} per company, or {$22.00}. I find it offensive and immoral that I need to pay the company that left my personal information unsecured in order to prevent identity theft, possibly for the rest of my life. Each time I intend to apply for a line of credit I will need to incur costs for each unfreezing and subsequent refreezing of my reports as well. The lifetime cost of this hack may result in loss of hundreds of dollars per individual.
Consumer complaint received 2017-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (CA)

Around XXXX of XXXX I became aware of repeated charges ( as many as twice a day, in some instances ) from music and arts, I notified my financial institution of these fraudulent charges, which resulted in having my account number changed. I informed music and arts by phone of these fraudulent charges, and when I began receiving invoices by mail I would also write back telling them that this debt does not belong to me that this is not my account. 
XXXX XXXX XXXX XXXX I received a collection notice from kinum ref # XXXX for {$150.00} XXXX
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/21 at XXXX XXXX  AID # XXXX Application : us debit XXXX XXXX XXXX XXXX XXXX Florida term XXXX card # XXXX Sequence # XXXX deposit of XXXX was deposited and never put into my account. XXXX XXXX in XXXX and XXXX in fiftys. Did file an investigation but never received my money. Spoke to branch Manager and still no funds in my account went to branch at XXXX XXXX  XX/XX/21 still no XXXX in my account. The ATM ate my money and still not in my account.
Consumer complaint received 2021-04-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

My original mortgage company round point mortgage sold my mortgage to freedom mortgage. My original payment was $ XXXX monthly which round point claims increased to almost $ XXXX due to an increase in home insurance and property taxes which isn't true. During the pandemic while in forbearance they charged a bunch of misc fees and now that I'm with freedom mortgage I owe more than my original loan from 3 years ago. Please help or advise.
Consumer complaint received 2020-06-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The company ( Portfolio Recovery Associates ) has called repeatedly. The number being called is a cell phone. I've informed them of this on each call and that the do not have permission to call it. Despite this, they keep calling the same number. 

They have also released DOB to me without verification of identity.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We have been trying to resolve an incorrect late payment issue with Select Portfolio Servicing for several months but have been unsuccessful. 

When our loan modification was transferred from XXXX to SPS, SPS sent us a Trial Modification Plan to make payments for the months of XXXX, XXXX, and XXXX XXXX. Our payments for these 3 months were sent as the requested cashier 's checks. We did not receive any notification from SPS that the payments were not received, even though the cashier 's checks were cashed by the company. 

When checking our credit report, SPS had submitted incorrect information to the credit bureaus that we had not submitted payment for the months of XXXX, XXXX, and XXXX XXXX as well as for XXXX XXXX, which was not a month listed on the Trial Modification Plan. In addition, our loan modification with SPS began in XXXX, not XXXX. 

We sent a letter to SPS on XXXX XXXX, XXXX notifying them of an inaccurate claim sent to CRAs about the 3 late payments in XXXX, XXXX, and XXXX of XXXX. The letter was sent along with copies of the checks that were sent and have been cashed by SPS for each month 's payment. 

We received a letter from Select Portfolio Servicing on XXXX XXXX, XXXX indicating that within 60 days SPS will update the inaccurate 3 late payments claim with the CRAs. We received our credit report from XXXX on XXXX XXXX, XXXX and it 's still showing the 3 late payments for the month of XXXX, XXXX, and XXXX of XXXX.
Consumer complaint received 2017-11-06
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SIMM Associates, Inc. (MS)

Caller from Simms Associate called two people with the same last name as mine stating I had warrants and that he would come to my physical address and shared with them my physical address Then he left voice mails.The voice on one message was the same as the voice of a Simms Associate who contacted me on a student loan that keeps changing lenders. The caller was very disturbing to the individuals whom used the information he gave them to come to my parent home! Calls from XXXX with the scare tactic and XXXX as a Simms Associate was the same guy they let me compare the voicemail to what I had on my phone.
Consumer complaint received 2021-06-30
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. (CT)

It is to my knowledge that the CFPB governs these non-government agencies, so not only am I demanding these accounts to be removed swiftly as they are unjust and fraudulent but will seek litigation to all parties involved if this matter is not handle immediately. This is XXXX XXXX the natural person and LAW IS LAW. The agency does not get extra days to decide whether they will follow law they are governed by. DO NOT respond with the agency having 30 days to respond THAT IS NO LAW!!!!! Experian and XXXX is breaking the Law
Consumer complaint received 2017-09-14
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. (CA)

A collection account appeared on my credit report that does not belong to me and I disputed this with all 3 credit bureaus as well as the company reporting the account. The 3 credit bureaus claim that this has been " verified '' as mine and yet they never proved anything, which is not allowed under federal law. All 3 bureaus also were aware that I have a lawsuit against persons that obtained and used credit with my personal information, which includeded business accounts. All 3 bureaus have copies of this lawsuit, which I am also attaching to this complaint. This account was not authorized by me, opened or applied to by me, signed by me or used by me or by any company that I am a part of. This must be deleted immediately from my credit report because it does not belong to me and I am not liable for it. This company sent me a " contract '' that does not include anything other my first and last name and the company that I used to belong to. There 's no signature ( as I did n't sign it ) or any other legal proof that I ever authorized or had any part of it. 

This is part of my complaint against all 3 bureaus : I cant believe that these accounts are still reporting on my credit file and one of them DOESNT EVEN BELONG TO ME! This fake company XXXX sent me a fake contract with no information on it other than my name no address, social, date of birth or even a signature. I did NOT fill out an application, have a contract with, services with or apply to this company that is sending me fake documents for $ XXXX. This is NOT legal to attempt to collect a debt that I dont owe and I am adding you to the Consumer Financial Protection Bureau complaint against this company in regards to this false account. I am attaching the lawsuit against a person that was part of a company I was with who used my information to obtain credit and use company credit. You are being negligent in reporting an account that you know to be reporting inaccurately because you already had this contract and removed the XXXX XXXX account that was part of this lawsuit. This company specifically stated in their response to me that they attached proof of the debt. I am including this fake proof that clearly shows none of the required info. You are legally required to delete this XXXX XXXX XXXX immediately, as you AND this illegitimate company are in violation of federal law.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (TX)

I was reviewing my Credit Report and noticed that the following companies are listed. I do not know who these companies are. I requested for Experian to investigate since they are reporting this information to my credit report, however they have only responded that this information has been verified with no proof of the verification. Due to the 15 U.S.C 1681 there should not be any issues on my reporting, and this is a defemination to my character and my credit reporting.
Consumer complaint received 2017-09-14
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)

A collection account appeared on my credit report that does not belong to me and I disputed this with all 3 credit bureaus as well as the company reporting the account. The 3 credit bureaus claim that this has been " verified '' as mine and yet they never proved anything, which is not allowed under federal law. All 3 bureaus also were aware that I have a lawsuit against persons that obtained and used credit with my personal information, which includeded business accounts. All 3 bureaus have copies of this lawsuit, which I am also attaching to this complaint. This account was not authorized by me, opened or applied to by me, signed by me or used by me or by any company that I am a part of. This must be deleted immediately from my credit report because it does not belong to me and I am not liable for it. This company sent me a " contract '' that does not include anything other my first and last name and the company that I used to belong to. There 's no signature ( as I did n't sign it ) or any other legal proof that I ever authorized or had any part of it. 

This is part of my complaint against all 3 bureaus : I cant believe that these accounts are still reporting on my credit file and one of them DOESNT EVEN BELONG TO ME! This fake company XXXX sent me a fake contract with no information on it other than my name no address, social, date of birth or even a signature. I did NOT fill out an application, have a contract with, services with or apply to this company that is sending me fake documents for $ XXXX. This is NOT legal to attempt to collect a debt that I dont owe and I am adding you to the Consumer Financial Protection Bureau complaint against this company in regards to this false account. I am attaching the lawsuit against a person that was part of a company I was with who used my information to obtain credit and use company credit. You are being negligent in reporting an account that you know to be reporting inaccurately because you already had this contract and removed the XXXX XXXX account that was part of this lawsuit. This company specifically stated in their response to me that they attached proof of the debt. I am including this fake proof that clearly shows none of the required info. You are legally required to delete this XXXX XXXX XXXX immediately, as you AND this illegitimate company are in violation of federal law.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

You guys continue to place fraud alerts on my credit and I do n't authorize any of the credit bureaus to place any fraud alert. Please do n't place another fraud alert on my credit file. I really mean it, it is embarrassing me and humiliating me as well.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

I have been working with Lexington law firm and I was working with them to improve my credit they told me that the items will be removed and they was removed but now I'm get notices for me to pay the same things that was removed so I contact Lexington law and was told XXXX 's a supervisor that it's not not fully removed so I'm confused why emails saying they were removed but they can come back then she said in contract that I was told I told her no I wasn't your suppose to be credit repair and help get those items that I'm disputing off my credit report
Consumer complaint received 2019-06-05
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. (FL)

Fraudulent accounts are reporting on my credit report XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-05-25
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: CITIBANK, N.A. (CA)

I have called Citibank twice now in last 6 months for Credit Line increase to my Best Buy Credit card account. 
Both times they have run Hard Credit Inquiries with out seeking permission from or prior approval from me. 
Yesterday when I called them on XX/XX/XXXX, they told me that Credit inquiry will not be made and then they made a Credit inquiry, after telling me that inquiry will not be made.

This is not good faith business practice.
Consumer complaint received 2020-07-27
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: Experian Information Solutions Inc. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiry : XXXX/XXXX
Consumer complaint received 2020-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (NY)

I'm a retired Vet with XXXX issues, I had insurance during this time and this bill was paid by my insurance company. AR RESOURCES is XXXX the system and never even contacted me by phone, or letter, or let me know it was going to collections. I never received any collection letters or calls. No warning. How do I even know it's mine? I have been on XXXX for my issues, so clearly I don't have the money. Also, now I am sick with XXXX  and was about to apply for a loan to take care of my family when I see that they put this collection on my credit reports during a time when the governor requested a moratorium on such actions during this pandemic. They were so spiteful and greedy, they put it on my credit reports in the middle of a crisis, on XX/XX/20. I want the negative info. removed from ALL of my credit reports ASAP or I will be seeing a lawyer + reporting to XXXX and other Federal agencies.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX. XXXX XXXX : XXXX XXXX : XXXX ; XXXX : disputed. No response over 1 year. To add, do not owe the agency because my medical insurance covers yearly medical exam/ check up. 

XXXX. XXXX card is paid in full. Not credit reporting. Paid in full. No late payments. Closest XXXX. XXXX XXXX  was not open by me. 
XXXX. XXXX XXXX report late XXXX ; however I am paying on time. : XXXX. XXXX XXXX ; XXXX : agreement on payment made XX/XX/XXXX before the report was made as a debt on my credit account, last payment was completed. 
XXXX. XXXX XXXX XXXX : paid off XX/XX/XXXX ; reporting high balance. Closed. 
XXXX. XXXX XXXX XXXX Bank : reporting XXXX ; not my account/ didnt open this account. 
XXXX XXXX : XXXX and XXXX ; paid in full on both accounts ; never late.Bank agreement was to remove and the bank did not. 
XXXX : did not open account ; disputed several times and all XXXX credit bureaus did respond and agreed the account was not open by me. However, still showing on my credit reports
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MD)

I have tried to verify my identity with COINBASE ( via app, via PC ) and it has failed repeatedly. I even setup my bank account, and provided them with the information that MATCHES my ID Card. I scanned the front AND the back ( NO glare, NO indistinct numbers, letters nor graphics ), and when my ID Card failed, I used my Driver 's license, and THAT failed. They have a policy that outright refuses refunds, outlined in their Terms of Use, and the money I gave them is now in limbo for EIGHT DAYS ( if not longer ), and I am not confident in their ability to lock in the rates of currency that  existed when I made the purchases. 

If I could get some information on how to take this further ( not to court, but to push this higher and higher until it can get the attention it needs ), I would appreciate it. I feel it would be all too easy for a company like this to use their " hold times '' to cause consumers to miss out on vital investment opportunities, and maximize their own profits in the meantime. 

Thank you.