davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IL)

I have a credit card with Elan Financial Services. My complaint is regarding their payment structure. When you make a payment, the payment is applied to lowest APRs, including promotional APRs, then to higher APRs. This is only disclosed on the initial balance transfer and not even displayed on the credit card statement or as part of their minimum payment warning. So when I made a balance transfer with a promotion of 0 % APR for 18mo, I was not aware that all my payment where not being applied to the Purchase, which resulted in the purchase amount owed to increase significantly and now I owe more than the initial amount charged. They also dont allow you to make payments to the higher APRs, which is a complete rip off and defeats the whole purpose of the balance transfer with 0 % for promotional period. This payment structure is deceiving and is set up to only benefit this institutions by allowing they to rack up interest significantly overtime and theres no way out of it unless you pay the full amount.
Consumer complaint received 2022-08-25
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. (NC)

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc. (OH)

I have an unverified account from CMI. I had previously disputed this account. I have never done business with CMI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TN)

In XX/XX/XXXX, I was divorced from my ex-wife. My ex-wife and I had a combined income of about $ 125k.  After the divorce, I was left with the home and had to remove my wife 's name from the mortgage in order to keep it. The divorce left me with assuming all of the debts that were once shared with my ex-wife and damaged my credit worthiness. I applied to Chase Mortgage for a modification. After supplying my financial information in XX/XX/XXXX, Chase Mortgage agreed to a modification only lowering my mortgage by {$20.00}. Although, my household income had decreased by 50 %, I attempted to continue to pay the newly reduced loan through XX/XX/XXXX. I was supposed to sell the home between XX/XX/XXXX-XX/XX/XXXX, but I had been laid off in XX/XX/XXXX so I did not put the home on the market until the Winter of XX/XX/XXXX. I could not apply for another modification for a year, so I did my best to continue to keep my home. To no avail, I wound up filing Chapter XXXX Bankruptcy prior to the foreclosure scheduled in XX/XX/XXXX and surrendering my property. Earlier in XX/XX/XXXX, I received a check for a class action lawsuit that Chase had been sued for discrimination in giving bad loans to minorities. I destroyed the check because I felt that I had been victimized as well, and that Chase had given me the botched modification so that I would eventually lose my home in a great neighborhood with an excellent market. Now, we are going through a short sale for an amount that will cover the loan at about $ 170k. Chase was right in projecting that I would lose my home with the {$20.00} decreased modification, and that the home would sell quickly on the local market.
Consumer complaint received 2017-10-11
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

I have called Navient back to back. Every time I call they hang up on me when it is time for them to transfer me to customer service. I reside in the state of Georgia. I call the XXXX XXXX ( Navient number ). They pick up, ask the reason why I call, then state they will transfer me to customer service. Every time they suppose to transfer me it hangs up. I have repeatedly call them back to back. I have phone records to prove it. I have talked to someone in XXXX, XXXX, and XXXX ( from Navient ) about why my credit score have decreased since I am on an automatic payment plan with Navient. Everyone I have talked to claimed that each month it would be updated. Each month my payment is considered missed or late on my credit score. Navient is the only thing that is messing up my credit score. I have sent letters to all 3 credit bureaus and only one sent something back ( XXXX ) which states the investigation will take 30 to 45 days.
Consumer complaint received 2016-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WI)

Our mortgage was sold by XXXX to Ditech around XX/XX/2015. XXXX had paid or annual taxes from our escrow account prior to it being sold. Ditech then also paid our taxes for the year resulting in a double payment. We received a refund check from our taxes being overpaid by the county and were confused. When we called XXXX to inquire, they informed us that our mortgage had been sold. We had no idea. There was absolutely no communication on XXXX or Ditech 's behalf of this move. We then called ditech to see let what was going on. They said to send them back the check, which we did. They then proceeded to charge us twice the amount for our escrow the following month. Our mortgage payment was on auto-deducted out of our account. In effect, our mortgage payment was almost {$600.00} more than usual. We, of course, were expecting our regular mortgage payment to be deducted from our account and were not prepared for an extra {$600.00} coming out which resulted in overdrafts and fees. We immediately called ditech to fix the situation. They said it would be fixed in 8 days. 5 months later it has still not been resolved or fixed. They keep billing us {$600.00} over our regular mortgage payment and refuse to fix the situation. We have called repeatedly, had to explain things to each new person over and over. No one will actually help us. They keep telling us it should be resolved in 8 days but when we call to follow up it is never fixed. Throughout this process we have been paying our regular mortgage payment because we have no idea what else to do. They are now treating us as if it is our mistake and sending us 'loss mitigation ' letters, putting notices of non-payment on our door and acting as if we are delinquent on our mortgage payments. We do n't think they have officially reported us to the credit bureau but we are concerned that they will. We have pursued a lawyer 's help but would rather not go through the hassle and expense. We are at our wit 's end. We have tried to refinance with another bank but since our mortgage is less than 2 years old we have little equity. We have also requested to handle our own escrow account.
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (UT)

I have had a mortgage with Ditech XXXX since XX/XX/XXXX. I paid my mortgage each month using my XXXX. I have never been late or missed a payment. In XX/XX/XXXX, I logged on to my account at Ditech Financial 's website to check my property tax distribution only to find out that my account had been cancelled. I called Ditech Financial 's XXXX number which provided me an automated response informing me my account had been sold and advised me to contact a new XXXX number. I called the XXXX number as advised, and reached XXXX, I spoke to a representative there who advised that Ditech and sold my mortgage to XXXX in XX/XX/XXXX. I did not receive any sort of notice or phone call advising that my account had been sold. Please note that I had been making payments to Ditech after the account had been sold to XXXX. ( XX/XX/XXXX - XX/XX/XXXX ) The representative at XXXX told me that Ditech had forwarded my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments to them but not the XX/XX/XXXX payment. I am currently showing delinquent on my XXXX account and have been reported late to the credit reporting agencies. My XX/XX/XXXX payment to Ditech XXXX cleared my credit union account on XXXX/XXXX/XXXX in the amount of {$1400.00} and according to XXXX has not been forwarded on to them. I have now contacted Ditech Financial numerous times to assist me in locating my payment and have been advised that they sent it to XXXX but needed to do further research. It has been almost XXXX weeks since I first contacted Ditech regarding my XX/XX/XXXX payment. In the meantime, I am receiving collection calls almost daily from XXXX and, as I mentioned before, am past due and am getting no where with Ditech.
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

Greentree Mortgage treated us terribly. They harassed us with phone calls, rude phone calls and did'nt get back to our phone call questions. We ended up having to do a short sale because they threatened foreclosure. Then they stalled the short sale and kept asking for more money. They took out Homeowners Insurance which we already had and that left our escrow short. it was a horrible experience. We no longer have this mortgage company want it to be known.
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (MA)

I received a XXXX tax for from the school loan company ACS ( XXXX XXXX XXXX ) stating I was paid {$710.00} in other income. When I called to inquire about this, ACS told me they had made a mistake on my loan payment in 2011 and had to make an adjustment this year. I asked when this adjustment occurred, since I could not see it on my payment record. They told me the adjustment was applied 'behind the scenes ' and would not show on my payment records screen. This leads to my specific concerns : 1. I do not see how an adjustment for a mistake on their end becomes taxable income on my part ( I was in school at the time these funds should have been applied and would not have had to pay tax on them ). 

2. The corrections are too opaque. If there is no evidence of an adjustment, how to I know it occurred. 

3. This reported income has changed the amount of interest they are claiming I paid on my loans this year. According to my online payment records on the ACS website, I have paid {$1600.00} in total on my loans this year, with {$630.00} being applied to interest. Yet, my XXXX reports that I have only paid {$10.00} in interest this year. 

4. The XXXX form was sent to my house without any indication as to why and what it was. I had to investigate on my own only to discover the form was for payments issued by a company, which surprised me because I did not receive any funds from ACS.
Consumer complaint received 2015-10-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (IA)

On XXXX/XXXX/15 I paid ACS education services {$340.00} out of my checking account. Instead of taking out {$340.00} they took out {$680.00}. I have called them them twice to inquire about when my monies will be put back in my account and they state " 24-48 hours ''. I have yet to see the money in my account. I have other checks outstanding and if they do n't put the money back in my account, i will be penalized by my bank. What they did was theft plain and simple and they are dragging their feet to correct it. My account # is XXXX.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (VA)

Loan Depot lured me with very good rates, " locked me in '' on good refi rates for my home and my rental property and then requested supplemental information repeatedly all under the guise of XXXX and XXXX requirements. I turned all their info requests around within 2 business days. Their last info request questioned my " ownership '' of a rental apartment I had rented from XX/XX/XXXX to XX/XX/XXXX and my " ownership '' of the building that houses my former employer, XXXX! These kinds of questions had gone on for about 3 months and then, when they finally approved both refis, they indicated that the rates had gone up. It was a classic bait and switch. I declined their revised rate offer, but they should not be allowed to do this to others.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IL)

I assumed a mortgage from a family member, and now the loan is reporting with the old payment history that I have nothing to do with. I assumed this loan in XX/XX/XXXX and I am only responsible for the payments from XX/XX/XXXX. My credit score has dropped drastically.Wells Fargo should not have reported the negative information of the loan to my credit report. Please help me resolve this matter ( ASAP ). Thank You
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MT)

I filed a previous dispute because all of my student loans with XXXX XXXX are paid off. They removed all but XXXX of the student loans. I have notified them and also the credit reporting agencies and XXXX XXXX still won't remove the balance and report the loan as paid.
Consumer complaint received 2022-10-01
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. (MI)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$930.00}, XXXX Balance : {$0.00}.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the XXXX and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the XXXX and XXXX a Bureaus have not provided the proper validation which violates my consumer rights.
Consumer complaint received 2016-07-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (FL)

I have asked Hunter Warfield to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I been fighting Wells Fargo for several years and they kept denying me help from being underwater home since 2009 I have contacted CFPB and Wells Fargo for the last 12 years they would not listen to me about being underwater they tell me to get a appraisal and they would look at it they done nothing now they sunk me so far underwater and kept adding money and they finally sunk me and now I losing my home because they would not help me CFPB would not help me with Wells Fargo they ignored me just like Well s Fargo did now soon I will be homeless thanks to Wells Fargo they are lawsuits out about Wells Fargo but the lady said I did not qualify for it because I am a XXXX personal not XXXX I thought I lived in XXXX thanks XXXX
Consumer complaint received 2020-10-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United We Collect, Inc. (FL)

I received an alert from XXXX  about an account being reported by UNITED WE COLLECT INC. Please be advised this item reported to XXXX  by UNITED WE COLLECT INC is a VIOLATION of the HIPAA Act of 1996. 

XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to UNITED WE COLLECT INC, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against UNITED WE COLLECT INC should this item not be deleted within the required time allowed by law. UNITED WE COLLECT INC is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX  as well, since they are the only bureau incorrectly reporting this debt. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

XXXX  credit bureau and Equifax credit bureau is reporting an inaccurate pay history for XXXX XXXX XXXX  stating that I did not pay the month of XX/XX/XXXX. I have attached the pay history that clearly shows that I made a payment of {$140.00} on XX/XX/XXXX. I recall calling the creditor XXXX XXXX XXXX and inquiring why they were reporting no payment made in XX/XX/XXXX when you can clearly see I made a payment on XX/XX/XXXX in the amount of {$140.00} from the payment history. They stated that there was a glitch in their system, that is not my fault and they need to correct my payment history immediately.
Consumer complaint received 2016-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

the amount owed on my credit report is not correct. the amount shown owed is {$160000.00} on a rental property I have asked to have this amount adjusted by XXXX XXXX but they have refused. to my knowledge I owed 1 to 2 months rent which should be equaled to about {$1600.00}.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CO)

Experian has given my information to companies not having a valid need for access and without my authorization. I contacted XXXX XXXX and XXXX XXXX ; and they claimed there is no record of contact from them nor am I in their system. XXXX XXXX and XXXX were, also, not authorized for access. The XXXX enclosed documentation has been disputed several times as the company, XXXX XXXX XXXX, can not show proof of debt. My records show a XXXX balance and they can not show a record for what the debt is for. Who wins on this one?
Consumer complaint received 2017-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

I paid off my XXXX XXXX XXXX account. The XXXX 2015 block shows closed, but the XXXX block shows 30 days past due even though the account was already paid in full by then. They then showed XXXX and XXXX as closed as well. I disputed this with Experian and they replied that it could not be changed.