davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MA)

I sent a qualified written request letter to my servicing agent the reply I was mailed a reply that did not answer any of my questions because, " they were just the servicing agent. '' Because I sent you a copy of my qualified written request the same day I originally sent theirs both certified mailed, you filed a complaint with them. Because of your complaint, I received another response including documents, but stated it was not an answer to my qualified written request ( because qwr are to be sent to a strict address, which is the same exact address I did mail the original ). However, the documents sent in XXXX responses are very different from each other and still are not following RESPA guidelines.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

First off I was sold to ditech from Greentree which I have never had a problem with. I just received a Annual Escrow Account disclosure statement and I noticed that I am being increased in my monthly payments by {$70.00}. I phoned ditech and told them that I received an overage check from my insurance company and that the amount actually owed was only {$870.00}. I told them I would send the paid receipt so they can re-adjust my escrow account and they refused to accept that. The customer service for this company is very rude including a manager who I asked for who was also no help. Also on my disclosure my current escrow is for {$400.00} and my new payment escrow is {$390.00} plus escrow shortage of {$81.00} does this make since no.
Consumer complaint received 2017-03-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TRANSWORLD SYSTEMS INC (MD)

This company keeps calling me about a debt of someone else 's. I told them I am not that person several times and they keep telling me my number is off the list but I still receive a call almost everyday in which I answer with hello and they say nothing but hang up. The number that they are calling from is XXXX. Any help would be appreciated. 
XXXX
Consumer complaint received 2017-01-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ResidentCollect, Inc. (TX)

I was a victim of identity theft and noticed a collection from RESIDENT COLLECT INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RESIDENT COLLECT INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This account ending in XXXX was opened fraudulently. I talked too the original creditor and they have stated in a letter that they did a fraud investigation and determined I am not responsible for this debt. Attached is my FTC report and the letter from XXXX XXXX Bank stating I am not responsible for this debt
Consumer complaint received 2015-09-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (OH)

XXXX XXXX Debited {$100.00} Out Of My Checking Account Without My Permission. For A Membership. A Dispute Was Filed On XXXX/XXXX/2015 And The Amount Was Credit Back To My Account. P N C Bank Is At Fault When They Put A Re : Debit Back On My Account In Which A Negative Charge Appeared On My Account. Which P N C Bank Reversed A Transaction Back To My Account. Which Was Disputed. P N C Bank And XXXX XXXX Are At Fault. And I Want The Account Closed
Consumer complaint received 2016-04-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (VA)

XXXX XXXX I was scammed out of XXXX dollars by the " XXXX. The # was XXXX.They told me I had a grant of XXXX dollars but first I needed to deposit XXXX $ and it was refundable. She told me go to XXXX and get a apple XXXX card and read the number on the back of the card. I did. I was send to XXXX XXXX to get the refund. I had confirmation number and tracking numbers. I then spoke to an " XXXX '' and there was security reason as to them needing more money of XXXX dollars and it was also refundable, so I went to XXXX again brought another XXXX card and gave him the code on the back. The grant amount had went up but I started feeling like it was a scam so I backed out and demanded my money back. They wanted XXXX more dollar to release the " grant '' and I refused to give them more money so now in out if XXXX that I needed.i have recordings and I went to the police and ftc and contacted by bank. XXXX has denied my dispute twice due to me using my pin for the purchase of the cards. I have given them proof of being scammed. I just need some help getting my money back. I 've been with pnc for 5 years and I 'm not happy with the end result of this
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I have contacted Equifax and I have sent them documentation showing that the creditor gave the wrong information on the judgment and they have refused to remove/or update this on my credit record. The creditor XXXX XXXX had a property management company XXXX XXXX XXXX to manage his home. I got behind on rent in XXXX of 2010 and they filed an eviction. I paid the rent and all other fees on XXXX XXXX, 2010 the property managment company acknowledged when it was paid and reflected the correct date on the information that they sent me and to the courts. The credit bureaus are refusing to update the correct information and is causing my credit history to reflect negatively.
Consumer complaint received 2015-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have been disputing multiple collections that continue to report on my credit file. Of these collections, I have supplied the necessary documentation that would allow for Equifax to remove immediately. These collections are with XXXX XXXX XXXX, account numbers ; XXXX & XXXX. I am attaching a letter from the collection company that I received yesterday that Equifax has refused to remove accordingly.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

XXXX. sent me a letter to my email inbox on XX/XX/2016, letting me know that they have deleted/closed the account. I no longer owe XXXX any debt. 
I just received my credit report from Equifax and XXXX showing on my report. 
I would like XXXX removed from my Equifax credit account/report, thanks.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NV)

Hi, Do n't know if these accounts are mine. Cant reach any companies by these names in Arizona. Accounts seem very old and odd : 1. XXXX XXXX XXXX Account # XXXX 2. XXXX Data # XXXX 3. XXXX Collections # XXXX Thank you
Consumer complaint received 2022-08-25
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. (MD)

I have files three disputes with Equifax on two different accounts at the same financial institution, BOTH WITH supporting documentation from the institution certifying the accounts were paid off in full and closed. 

On the first occasion, the dispute result date of XX/XX/2022, states that the account has been updated, however, there was not change to my report. I figured it would update when I requested ( and paid {$34.00} ) for a new report..no change. I submitted another dispute for now both accounts ( that were paid in full on XX/XX/2022 and XX/XX/XXXX respectively ), to be updated and their dispute results received on XX/XX/XXXX stated that it was updated, again with no change to my report. 

I submitted the disputes AGAIN, with the same documentation that day. XXXX ( XX/XX/2022 ) dispute results read The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Once again, if they have the acknowledgment acknowledgment from the institution stating that both accounts are paid in full, and they certified that documentation with the institution, how can they say it is still accurate to report a balance and they account as open???? 

Ive exhausted efforts with that credit bureau, and opened a dispute with XXXX XXXX for the same account reporting errors, and it is in pendingstatus. Additionally, Ive opened up a complaint/dispute with the financial institution so that they can get with Equifax/reporting agencies directly. Positive information shouldnt be this hard to get updated, when the negative impacts are reporting at lightning speed.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

There are addresses that do n't belong to me and it is fraud. I never lived at these addresses and I want these addresses removed from my credit reports which are as follows. 
XXXX, XXXX XXXX XXXX, reported XX/XX/2016 XXXX, XXXX XXXX XXXX, reported XX/XX/2016 XXXX XXXX XXXX XXXX, XXXX, reported XX/XX/2016 I have previously requested for these address and old information of previous address to be removed from my credit report the following address below XXXX, XXXX XXXX XXXX I also request that all previous telephone numbers be removed the only telephone number that I want to be listed on my file is XXXX
Consumer complaint received 2015-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (NJ)

Identity stolen a while ago, and police reports were sent to XXXX and collection agency to stop collection on an account that was opened in my identity. 1 year later and they are still putting collections in my credit reports dropping my score even though I have proof I faxed them police reports to stop.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MD)

I recently moved and updated my address with all of my credit card companies. I 'm assuming that after doing so, this prompted an alert and it was deemed as fraud by the credit bureaus. Therefore, all credit reporting bureaus are reporting that the valid accounts under my name are fraudulent causing them to be closed in error. I contacted each company and they stated that they 're going by what the credit reporting bureaus are providing and can not re-open the account unless they contact them directly to let them know it was in error. I 've contacted them to provide such information to no avail. Slowly all of my accounts are getting closed and this is detrimental to my credit file as inaccurate information is not being reported under the Fair Credit Reporting Act.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I saw this in the news : XXXX I used to have loans through XXXX , which is now Navient. Am I entitled to any payback? My name is XXXX XXXX. I have since paid my loans off, but I had loans just up until last year. Thank you.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

Navient has made it very hard to stay on track with my student loans. They raise interest rates on them the more I pay. They have capitialized interest on me while ive been in school. They have never let me release my co signor. They said it was n't possible. At this rate I wil be paying $ XXXX a month for 30 years. My original balance of {$35000.00} went up to {$54000.00} in 6 years just due to the interest.
Consumer complaint received 2023-02-01
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. (RI)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (WA)

Beginning in XXXX, Navient cancelled a reduced rate discount on my account. I contacted XXXXOmbudsman to outline the facts, provide proof. Navient is wrong & intractable ( denies facts ). 

Since then I became unemployed & have filed Unemployment & Hardship Deferments, as well as a complaint letter to Navient & a form to consolidate all loans. Navient delays processing these items, is obscure about the process, & maintains a website that is difficult to navigate. 

I 'd like all benefits restored, all obligations bundled into one, & loan conditions and schedule that I can afford.
Consumer complaint received 2016-04-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Focus Holding Company (IL)

I received a call on my work number from Focus Receivables Management on a file # XXXX. Focus Receivables Management was not authorized to leave any messages or call this number. I did return the call asking who this company was looking for and indicated this was a place of business - they should not be leaving messages or attempting collections here.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

EQUIFAX CREDIT REPORTING AGENCY IS REPORTING A CLOSED ACCOUNT I HAD WITH XXXX XXXX XXXX XXXX XXXX AS HAVING A {$15000.00} BALANCE AS WELL AS A {$15000.00} PAST DUE AMOUNT. I HAVE DISPUTED THIS ITEM BEFORE AND HAVE HAD IT SHOW A {$0.00} BALANCE AND {$0.00} PAST DUE AMOUNT. XXXX XXXX CLOSED THE ACCOUNT AND NOW SHOW IT AS PAID WITH A {$0.00} BALANCE AFTER A XXXX FORM WAS FILED AND THIS MONEY REPORTED AS ADDITIONAL INCOME TO THE IRS. XXXX XXXX AND XXXX XXXX AT XXXX ARE THE CONTACTS AT THE CU. I NEED THIS BALANCE REMOVED FROM MY CREDIT REPORT ASAP.
Consumer complaint received 2020-01-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (TX)

I have received 2 to 3 calls everyday for the past 6 months from a company by the name of Navient. The number is XXXX. I don't have a student debt. I am XXXX years old and never had a student loan nor have I consigned for one. When I try to call the number I receive an automated message.
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (NJ)

I applied and receive XXXX XXXX XXXX from US Bank a couple of months ago and I just paid my annual fee. I just found out that the terms have changed and am disappointed that I am not getting all of the benefits that I paid for, such as the free night on your last award stay benefit. I wasted {$75.00} annual fee and a hard credit inquiry too because the main benefit listed was " BONUS AWARD NIGHT EXCLUSIVELY FOR CARD MEMBERS & ENJOY THE BENEFIT AFTER PAYING {$75.00} ANNUAL MEMBERSHIP FEE ''.
Consumer complaint received 2016-11-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

ALL CREDIT AGENCIES ( EQUIFAX XXXX ) LISTED ACCOUNTS " NOT MY ACCOUNTS '' AND OUTDATED PAST 7YRS SINCE 2007 REPORTED PUBLIC RECORDS OUTDATED AND NEVER HAD ANY STATE TAX LIENS ( 2X ON FILE ) CASE # XXXX AND CASE # XXXX./..DELETE ALL FROM CREDIT FILE
Consumer complaint received 2015-09-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (TX)

I took out a loan in 2008 for XXXX. I paid each month XXXX a month for a total of XXXX. I feel as though this loan is paid and their interest rates are outrageous. They are threatening to sue me.
Consumer complaint received 2022-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

I have tried to contact Edfinancial twice over the end of XXXX and Mid XXXX to inquire about my student loan refund and have consistently received conflicting information. I have made it clear to them that my loan payments are to be refunded so I can cancel them. 

The first rept told me it would take XXXX  days, which is totally unacceptable. Then the later one told me they are not sure. They also refused to provide a paper trail such as email to prove that my refund is in process or that I called them I need my loans refunded soon because I 100 % qualify for the XXXX Loan Cancellation Program.
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (FL)

At the end of XXXX and beginning of XXXX I was victim to someone fraudulently using my credit card on my XXXX account. There were XXXX transactions : XXXX for {$470.00}, XXXX for {$480.00} and XXXX for {$510.00}. These were all associated with XXXX however I have never put this account into my XXXX. I did not make any of these purchases nor have I received any good for these purchases. These vendors are unknown to me and I do not know what they are for. I submitted the paperwork for my dispute on XXXX/XXXX/2015 after reviewing my statement and noticing these fraudulent transactions. I had received a credit on XXXX/XXXX/2015 but on Friday XXXX/XXXX/2015 it was reversed. I received no communications or explanations for this reversal and no one in the customer service line has been able to help me. I have set alerts on my account to email me of any suspicious activity and have cancelled my debit card since I seldom use it anyway. 
on XXXX i received a call back from chase XXXX was advised that they could not help me further and they received enough evidence. If i had any further question to contact XXXX. 
I was given the following XXXX transactions to research. XXXX, XXXX, and XXXX speaking with XXXX I found out the following. 
1. These transactions were not made on my account, my account is XXXXXXXXXXXX and has been open for several years, the transaction were made on an account XXXXXXXXXXXX which was created on XXXX/XXXX/15 the day before the first fraudulent transaction. 
2. The transaction have no associated tracking numbers of any products that have been shipped. 
3. The fraudulent user id noted above of XXXXXXXXXXXX has been suspended for fraudulent activity4. XXXX says they recognize as fraudulent and as such have sent the money back to chase. 
I am left puzzled at this point if XXXX says that the transactions are fraudulent, and the money has been sent back to chase. Why then have the transaction not been reversed on my account.
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (DE)

I called early XX/XX/2017 to Chase Mortgage. Approximately around the eighth of the month. I had some concerns about the balance of my escrow. I was told that escrow was being reran and I would have it in 7-10 days. I did not receive it so, I contacted Chase. I spoke to XXXX the supervisor of the department, due to the rudeness of the original representative. XXXX told me '' I was not entitled to escrow only in XX/XX/2017 '', despite my concerns with my shortage. She refused to allow me to speak to her supervisor prompting this complaint!
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (MN)

Credit card solicitation to MINORS by AIRLINEs thru their Frequent Flyer programs. 
I complained to XXXX and XXXX, but than had to file a complaint to CFPA, and now those have stopped ( I think? ), but other airlines are doing the same. They should verify the AGE, before making these postal mail attempts.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

Experian is falsely reporting XXXX dismissed bankruptcies and a XXXX. Disputed with bureau all items came back verified. Contacted the court and the told me they never verify to any 3rd party lenders. Nobody has called or wrote to there office. XXXX was disputed by Experian came back verified, contacted XXXX Directly and was told that they do n't even have all the documents from the very beginning of the credit card. So I 'm very interested in how they report.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (PA)

XXXX is claiming owner ship of my morgage. 
my morgage in the XXXX district court is owned by XXXX XXXX. 
Even though I have never received a transfer notice as required by law frim XXXX XXXX. 
please find with this complaint copies from the XXXX district court snt to me by XXXX
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have contacted Equifax on several occasions to inform them that several accounts does n't belong to me thatsreporting on my credit report and to remove these accounts and all negative remarks from my Equifax credit report, but they have refused to do so. I disputed these items via online and mail with Equifax and they refused to remove several accounts from my credit report.