davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

This is ONGOING-especially during summer months with Green Tree LLC. They can NOT post a payment in a timely fashion. For some reason it takes LONGER usually starting in XXXX to receive and post a payment correctly. Then the arrears process begins against my account which is an ERROR on their part, but they show my account for my mortgage delinquent and then I start the complaint process against them. This has been ONGOING since XXXX XXXX XXXX XXXX XXXX dumped me in their care. The payments are made, they just do NOT process them, they clear my bank. I write checks and mail them for a paper trail, because you NEED a paper trail to prove everything with this unfortunate excuse for a servicer. They are inept, they do NOT practice general accounting principles. They charge BOGUS late fees, and my personal favorite ... the dinging of your credit so you ca n't get AWAY from the vultures. My Congressman is SICK and TIRED of me complaining to him about their inability to service a mortgage loan correctly. But NOTHING gets done, the complaints from the masses continue, the BBB told me they get NO where with them. NO one seems to be able to make them DO what they are supposed to DO.
Consumer complaint received 2016-09-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

I ca n't access my account online or make a payment. I do n't even get a paper statement in the mail. I 'm now getting calls from Ditech about paying my mortgage, BUT I CA N'T BECAUSE THEIR WEBSITE DOES N'T WORK!!! This is crazy. Ditech is damaging my credit. I do n't even know my account number or the amount of my payment without access to their website or where to mail a payment. I never agreed to do business with this company -- my mortgage was sold to them. Ditech 's website often does not work.
Consumer complaint received 2015-10-28
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (FL)

Leased a car Thru Volkswagen Credit XX/XX/XXXX and leased a XXXX car from Volkswagen Credit XXXX, under the understanding that the disposition or return fee for the XXXX lease will be waived as I was leasing a XXXX car from them. 

The XXXX lease was returned today and Volkswagen Credit is charging me a disposition fee ; unfortunately I can not buy or lease a car from VW because they DO N'T have the desire SUV
Consumer complaint received 2023-03-24
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. (GA)

XXXX XXXX acct # XXXX {$7600.00} ; XXXX XXXX XXXX  XXXX acct # XXXX formerly XXXX XXXX acct # XXXX {$2100.00}, illegally pulled my credit report on XX/XX/XXXX, with my signature or the fact that I applied for a loan with their company ; XXXX XXXX acct XXXX XXXX sold to XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX {$3400.00} ; XXXX acct # XXXX {$170.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX {$1800.00} ; XXXX XXXX XXXXXXXX XXXX acct # XXXX {$3800.00} ; {$25000.00} ; {$13000.00} ; {$9500.00} ; {$4800.00} ; {$9100.00} ; {$2800.00} ; {$5000.00} ; {$240.00} ; {$5700.00} ; {$2700.00} ; {$25000.00} ; {$24000.00}. After submitting my complaint with CFPB, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX submitted they deleted these accounts. I have provided police reports, proof of identification, proof of address, and copies of credit reports showing that these accounts were deleted. Every 30 days they allow these companies to return under a different company, account number, with the same information.
Consumer complaint received 2021-01-18
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. (CA)

Equifax Credit Report in correctly shows a balance due of {$13.00} to XXXX XXXX. I have complained numerous times to XXXX and thought this was corrected. I closed the XXXX XXXX because I could not tell what they were charging me for. Because the card was closed XXXX tried to charge to my card after closing, the auto charges for XXXX streaming services were then charged to my XXXX XXXX Credit Card and paid. They double dipped because they did not remove the {$13.00} charge to the XXXX card that was made after card was closed and charges were objected to. XXXX is showing on Equifax that I had 60 days late pay which I assume substantially is lowering my FICO score. 
I found the XXXX XXXX to be a complete failure. Charges would go onto the card for XXXX services without explanation what they were for - data, streaming, very confusing. 
I request this error be reported and removed. As you can see from my credit reports I have absolutely no late pays and otherwise excellent credit reports.
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (VA)

My Amazon Store Credit Card with Synchrony Bank was closed by the creditor due to having XXXX returned payments within a 12 month period. However, I contacted Synchrony Bank to advise XXXX of the payments in question XXXX was returned due to no fault of my own ; but my debit card was compromised because of fraud. I got a letter from my bank as they requested to confirm these details, but they refused to re-open my account AND more importantly they have now reported my account closed by creditor which has effected my credit rating.
Consumer complaint received 2016-07-04
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (WV)

I closed my accounts after having a card for 10 months, my credit limit was {$500000.00}. 
The reason I closed my accounts, because I had several accounts with Synchrony Bank and being with them almost a year and was NEVER late with any of my accounts, they wanted verification of my social security number and tax forms, they cut my cards off and when I went in a store to use a card it was declined and very embarrassing. 
Closed all the accounts and no open accounts with Synchrony Bank after a few months I decided to apply for a Walmart Card and I was told it was in the credit department review, I received a letter of denial and the reason for denial : The request was judgmentally reviewed and denied for the following reason ( s ) POOR PAYMENT HISTORY WITH CREDIT PROGRAM I have documents of payment history and I never paid minimum payment, I always paid more and they even increased my credit limit to {$7000.00}! 
The credit department is treating me unfairly and my credit is excellent.
Consumer complaint received 2015-06-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SYNCHRONY FINANCIAL (TX)

I received a called from my niece stating someone had called my ex- boyfriend from XX/XX/XXXX and wanted to find me cause I owed some money and did n't show up for court. When I hang up I received a unknown called with a message I needed to call a XXXX with a case #. that I need to call back or they would take different actions. I called the number and they identified as an attorney office named XXXX XXXX XXXX. While I was on the phone they verified some of my name, last XXXX social, and address. they wanted to settle my account I had on XX/XX/XXXX or they were going to take me to court, garnish my money and seized or seize my property. sadly to say I did settle a monthly with $ XXXX monthly for 6 months gave them my credit card information. when I hang up my husband did more research and found out there is no company named XXXX that exist anymore. the only attorney named XXXX XXXX retired back in XX/XX/XXXX. I felt mad and ashamed, of me giving them my credit card information to take care of a bill I could not pay back in XX/XX/XXXX. I did cancel my credit card right away. I still do n't know till this day if this is even a real creditor company.
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (LA)

Sent an insurance check from XXXX XXXX XXXX XXXX to Ditech Financial Claims,XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX/XXXX/2016 for endorsement from tornado damage inflicted in XXXX 2016 XXXX XXXX . Still have not received check back as of XXXX/XXXX/2016. Would like to fix my home as I have spent available funds to temporarily do so. I keep getting dates for " the check is on the way '' from different people with Ditech. I was told by Ditech to send it Attn : XXXX. Do n't know who that is, and have never spoken to her. I need that money to repair stuff. HELP!!
Consumer complaint received 2016-01-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

My loan was transferred from XXXX to Green Tree on XXXX XXXX, XXXX. Green Tree is now Ditech Mortgage Corporation. I have not received loan documents from Green Tree or Ditech as of today XXXX/XXXX/XXXX. I have made numerous requests for my loan documents via Green Tree and Ditech customer service email web site and by phone with their customer service representatives. As a result of those requests I received from Ditech three sets of loan documents covering a loan I had with XXXX back in XXXX, but nothing covering my loan withGreenTree/Ditech. In addition to the missing loan documents Green Tree/Ditech tacked on late fees to my loan amounting to nearly {$300.00}. I have never been late with my payments to Green Tree/Ditech. I am very frustrated with the situation. I know Green Tree/ Ditech is breaking the law by not providing me with loan documents..
Consumer complaint received 2016-06-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NV)

After the bankruptcy date of XXXX/XXXX/XXXX, Ditech Financial LLC kept the account opened and continued to try to collect on a discharged account. When they were first contacted about this error and asked to stop, Ditech did not stop collecting on the account. In XXXX of XXXX Ditech was again asked to stop collecting on a discharged account, at that time they stopped communication, but they kept the account open. The account history for XXXX to XXXX should be cleared from from all XXXX credit reporting agencies because the account was discharged back in XXXX. After multiple communications with Ditech, they have not agreed to follow the mandates of the bankruptcy discharge, and to this day they refuse to close the account. They have not provided any reason for their refusal to follow the bankruptcy court discharge. Ditech has been reporting this as a foreclosure. This is illegal! The debt has been discharged through bankruptcy on XXXX/XXXX/XXXX. 
Ditech financial 's customer service representatives admitted that they show all of the bankruptcy paperwork on file, but they have told me that they will continue to collect on the debt because the account is open and active. I talked to the trustee in charge of the foreclosure process on behalf of Ditech. Ditech is attempting to foreclose on the home that we no longer own and of which the debt I 'm no longer responsible for. The trustee sent me an email telling me that they know we surrendered the home through bankruptcy and she told me that I should escalate this to a Ditech supervisor because Ditech may be reporting this debt as a foreclosure instead as a surrender in error. I called Ditech back to speak with a supervisor who told me that she can not do anything about it and that I have to send a letter to their correspondence department with my issue proving that they are making an error. This is after the Ditech people admitted to having the bankruptcy information on file and admitting that they have never followed up with my calls when I have called to have this reviewed on their end. Ditech representatives admitted that the account is still active and that they are actively seeking to collect on the debt.
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

On XXXX, 2016 I received my XX/XX/XXXX/XX/XX/XXXX escrow in mail from Ditech Financial LLC. Upon reviewing I became alarmed by the huge property tax increase and large increase for XX/XX/XXXX mortgage payment due to these projections. ( felt a little sick because of a similiar situation taking place in XX/XX/XXXX/XX/XX/XXXX ). I telephoned next morning ( XX/XX/XXXX ) to find out what was going on. After several calls I was quickly able to realize that the escrow projections were in error based on customer service reading my neighbor 's parcel ID as well as mine. I explained that there was a legal amendment/ partial release to my mortgage based on an error of Green Tree 's when a refi was done as part of The Making The Home Affordable Program. ( XXXX XXXX had pulled the wrong legal desciption when refi was done ) I ask that they look in their system for the document and they were able to pull it up but some how it was overlooked when they uploaded file ; this was in connection from Ditech becoming GreenTree. Thus began the inconsistent information being given to me by customer service. I was told that under circumstances that it could take up to 14 days to investigate but with documents in their system to call mid next week and they should have it investigated. It was then said it would only take another 5-7 business days to perform new analysis. Finally the rep I spoke with said information from calls and XXXX page amendment would be emailed to me while we were on phone but to date no email has been sent. This made me very uncomfortable in thinking that the calls could be overlooked and so could the research they said they were going to do. Therefore I sent several faxes and letters ( Written Qualified Request and Notice of Error ) on Saturday, XX/XX/XXXX as well as messages to the online message center. I did not receive any phone calls to confirm receipt of information. Then on Monday, XXXX XXXX, 2016 I sent a letter priority mail ( so I could track when it would be delivered to ) The Taxing Department, XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX As one last attempt I emailed Ditech directly XXXX. The email consisted of said letter and forwarded emails from XXXX County Treasures Office of which had the XXXX page partial release document attached. When I called Ditech Customer Service on Wednesday, XXXX XXXX and was told a whole set of different time lines, they were not allowed to email customers and that this could take up to 90 days after research was finished I became more than alarmed and realized I needed assistance in getting this error on their part fixed thus turning to you.
Consumer complaint received 2016-08-30
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

I had hail damage to my home of over $ XXXXXXXX. The insurance company issued me a check with Ditech Mortgage ( lienholder ) also on the check. Ditech Mortgage stated I had to send them the insurance claim, endorsed check and copy of contract for work to be completed. I sent all of these items along with breakdown and invoices of items I paid for already out of my pocket. I sent the package out and waited. I called after one week and was told they were still working on the file. I received a check today for $ XXXX ( this is what they call half of the {$20000.00} check I sent them. They did not send me the reimbursement for the {$4300.00} that I have spent out of pocket to replace all of my windows ( which were broken and damaged ). They are telling me they will not release until I provide proof windows were replaced. I sent the paid in full receipt for not only the windows but the installation invoice. I sent them pictures yesterday. I called today and was told they will not send any more money until all the work is done. I have holes in my roof and we have had several torrential rains since the hail storm. I need my money to be released so I can get the rest of the work completed.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I have my account set up for electronic draft payment bi-weekly .There charging me late fees no fault of my own, tried to get this straightened out several times. Also submitting principal only payments using mail in coupons using the additional principal only box and they are not being applied for principal only. They allow for both bi-weekly and principal only.
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (PR)

I was verifying my credit reports for employment verification, for credit denial, lowered score and due declared disasters moratorium of DR4493-COVID19 PANDEMIC, DR-4473 EARTHQUAKES, DR-4339-HURRICANE MARIA AND THEIR DISRUPTION CAUSED MEA CAR ACCIDENT WITH PROPERTY LOSS IN XX/XX/XXXX, DR-4336-HURRICANE IRMA. I have noticed that SEARS reported inaccurate information IN XXXX about balances, missed payments and late fees charges and added missed payments and charge late fees to my balance over my credit limit, when i am not using my sears credit card neither more charges were allowed. i would like that they removed the inaccurate information as my rights under CARES ACT, AND following bills 116s3548is, bill 116hr748enr, bills116hr133sarcp11668. those charges not proceeding under declared disasters, i am not a delinquent criminal person. i have the right to privacy and intimacy and i do not want to SEARS shared my information because i was a survivor of the disasters and i was affected, i lost m employment, new contracts, and new jobs, lost my home, lost my cars due to my rights violation and now i am trying to fairly recovering i did not received any aid from fema neither from small business administration, that denied me the loan due to my credit report, and lost employment contract due to my credit report and i can not pay due to the employers do not contract me due to my credit reports and becomes a vicious circle, and libels about my image. i tried to resolve with them in XX/XX/XXXX under DR4473 and in XX/XX/XXXX under DR4493 and they do not want to fix the incorrect balance my credit limit was {$500.00} and i did not used my credit card because there no more transactions allowed so they are adding the missed payments and late fees charges over the credit limit in convenient way for them, and that it is not equal opportunities. i did not owed to sears {$1100.00}, i did not owed to sears {$1000.00}, i did not owed to sears {$1000.00} as the incorrectly and falsely reported to my 3 credit reports agencies.
Consumer complaint received 2016-04-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc. (CA)

I received a notice in the mail from on XXXX/XXXX/2016 from a collection agency. When I looked at the statement I noticed that it a medical collection. This is the first notice I receive from the debt collector. The notice did not look correct to me since I have been making payments to the original through my XXXX account. I reached out to the debt collector Credit Management and spoke to a woman by the name of XXXX XXXX. I explained to her my situation and she stated that they do not do research on the account and since they only receive updates every 3 months from the original creditor she could not do anything else for me to ensure my account is correct. She also stated that this had been adversely reported to my credit report and they only way this would get reported correctly is if I set payments with them. This is causing and emotional distress on me. This company and employee have acted unethically.
Consumer complaint received 2023-02-01
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. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 States A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( l ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

Sent mortgage payment for XXXX/XXXX/16 to Ditech mortgage company.Received phone call on XXXX/XXXX/16 saying payment was not received.Produced bank statement that check for {$2100.00} was cashed by Ditech on XX/XX/XXXX16.Faxed statement to Ditech.Was credited mortgage payment of & XXXX on XXXX16.Ditech still has not credited my account for the {$1000.00} payment on the principle.I called several times, they refuse to credit the account claiming they do n't know where the money is.
Consumer complaint received 2016-09-28
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Hollis Cobb Associates (GA)

This company continues to call my daughter, who is now XXXX but was XXXX at the time of her XXXX. Despite giving them my phone number on numerous occasions and my listing as the responsible party for finances on the account, they have never contacted me, but continue to call my daughter. Today 's call was a " XXXX XXXX '' who threatened that police would come to our house and take her to jail if the debt was not paid in full over the phone to him. I contacted the company and despite being able to pull up the account without me giving them any information, they denied that they had ever had my contact information. My daughter is XXXX and now XXXX by the way she was spoken to and the threats made by this company over the phone.
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Aldridge Pite, LLP (GA)

I had a loan with XXXX XXXX XXXX they transferred it too XXXX on XXXX XXXX, 2016 on or around XXXX XXXX, 2016 I received a letter from Aldridge Pite stating that they are attempting too accelerate my loan. However, I never received a payment coupon, accounting, offer of loan modification, deed in lieu or short sale. This is illegal activity and I need your firm to investigate immediately!