davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

I was traveling on business to XXXX, XXXX for a few days XX/XX/2016 when my company card was comprised with thousands of dollars stolen from my account ( totaling over {$7000.00} ), along with many attempts to take out cash advances. I do n't know exactly how it was done, but it was obviously a sophisticated credit card fraud. My credit Card was not stolen or lost but I believe it was taken at a POS and charged up along with several cash advance attempts. I used my company card for taxis and other points of sale, but never I would use it for charges like this. An in-depth review of my card account would show that I would never make any charges of these obscene amounts. I also have a personal credit card that was also compromised the same day and that issue was resolved in my favor. I received a letter from my card company weeks later which stated that because the card had a chip and was not reported stolen or lost they assumed it was under in my possession and I was liable for the charges. This explanation in my opinion does not constitute that there was n't a case of fraud nor that the chip technology is full proof. I realize that thieves are very sophisticated today and even though I might not know how they might of done it, it could be done. I did not report my card stolen or lost when I first realized the charges because I was overseas and did not have sufficient funds available on any personal cards to cover the rest of my stay in XXXX and later XXXX. I placed a notice on the card so the card could not be used unless I called beforehand and authorized payment. I returned back to the US believing the issue would be resolved but it has n't and have n't received much support on the matter.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (VA)

It has been about 3 years since I 've discovered that the credit bureaus made an error, where they have me and my brother as the same person. We do have very similar names, mine being XXXX XXXX XXXX and my brother 's being XXXX XXXX XXXX, and our social security numbers only have a differing last digit while the rest of the numbers are identical. I have filed for dispute multiple times as my brother did, and we were also forced to pay a fee to correct this error last year. Just recently, I 've discovered that I still can not pull my credit report and all of my credit history is combined onto my brother 's. 

I would really appreciate any assistance in rectifying this issue as soon as possible.
Consumer complaint received 2021-11-25
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. (FL)

On or about XX/XX/XXXX Equifax removed my XXXX XXXX Account for now reason. XXXX XXXX  does report to Equifax and Equifax has been reporting the account from XX/XX/XXXX, when the account was opened, up until XX/XX/XXXX when they removed the account and stopped reporting it for an unknown reason. When asked why they removed the account and stopped reporting the account I was given the run around and never given n answer. At one time in XXXX, XXXX I was told by an agent at Equifax that the account would appear back on my Equifax XXXX XXXX within XXXX hours after she " manually '' submitted information. That never happened. I spent XXXX XXXX working with XXXX Bank trying to resolve the problem only to receive notification that Equifax was the one who removed the account, Equifax would not provide a reason to them why the account was removed, and that I would have to work with Equifax to resolve the reporting problem, which I did up until about a week ago. My XXXX Bank XXXX account regularly reports to my other Credit Profiles XXXX XXXX and XXXX in a timely manner. I have also recently has problems with Equifax inaccurately reporting several other accounts on my Equifax file. However, this is the one that most affects my credit score since it is an open, active account that is always paid on time and in full. I have sent Equifax documentation that the account is a valid account open, and in good standing several times over the past XXXX months.
Consumer complaint received 2015-08-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Admin Recovery, LLC (IL)

this number has continued to call me since i have received this number XX/XX/2015 ... they are looking for someone name XXXX ... on XXXX XXXX, 2015 at XXXX XXXX central time the number that states admin recovery at XXXX called asking to speak to this person, i advised the woman asking that she had the wrong number and not to contact my home again ... there soon after she called back on a toll free number at XXXX at XXXX stating " is that her, '' then not saying anything else ... i advised again that they had the wrong number and not to call back ... again on the XXXX XXXX, 2015 they called again from XXXX at XXXX i answered and no one spoke, i told them i was on the " do not call list, '' and that i would be putting in a complaint if they continued to call back ... XXXX, 2015 at XXXX they called back, i did not answer ... i figured answering the phone would help since i have beenreceiving annoying and harassing calls since the XX/XX/2015 with complete voicemails looking for someone i do not know and does not live here in my residents ... i would really appreciate if they did not continue to call ... thanks!
Consumer complaint received 2020-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Neon Newco Corporation (TX)

My online bank account Netspend which is affiliated with XXXX XXXX  just stopped my debit card from being used without any notifications or messages. I have seen over 100 complaints in the past week saying the same thing happened to them. I have called Netspend multiple times but the error message I recieve states that due to the COVID-19 they are experiencing high call volume and asks to try back later and hangs up. Ive tried going through the automated system but they do not have an option for my problem. At XXXX XXXX I tried using my debit card at a gas station and it was declined, completely to my surprise. When i tried to use the card I received a message from Netspend advising me to activate my card and provided a link which takes me to the start of creating an account and activating a brand new card. Ive had this card for years and there is no reason I would have to activate my card which Ive used for years. I cant get any direct answers and when trying to call them it will hang up due to call volume. Ive had trouble with Netspend every month the past 3 or so years of being a member. They will hold my money without any notification explaining the reason and make it impossible to contact them since it hangs up every time I try to call. This is the most problematic bank Ive ever experienced. They are down right crooks.
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (NC)

XXXX XXXX, XXXX XXXX XXXX left our home flooded in 6 feets of water for 6 days, whereas 2 feets to XXXX inches came into the house. It cost over 50 % to restore our home. XXXX, refinanced our home so we could pay the contractors. XXXX financing raised our intrest rate 11.9 % on the 1st mortgage and 16 % on the 2nd mortgage. They promised our intrest raters would come back down after 12 months. We never received the promisary letter nor have the intrest rate come down. we have been paying XXXX and XXXX since XXXX XXXX. Our mortgage was sold to GreenTree Mortgage Services and now XX/XX/XXXX Green Tree - Ditecgh a Water company XXXX XXXX XXXX XXXX XXXX, SD XXXX. I have tried every avenue and path to get help with this matter. Our credit at that time was good and we feel that we was taken advantage of during a time of dress. We have a bloom blance coming due XXXX. 
XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Consumer complaint received 2015-04-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

In the fall of 2014, my home was in danger of foreclosure. Previously, I had tried mortgage mitigation with my then mortgage servicer, Citi Mortgage, but that had not gone anywhere. I had gotten a call from XXXX, urging me to try mortgage mitigation again, specifically a deed-in-lieu of foreclosure. I sent the application for deed-in-lieu to XXXX, with XXXX as the conduit. That process went no where, and XXXX said to send the application again. At this point, unbeknownst to myself of to XXXX, my mortgage servicing had been sold by XXXX to Green Tree Financial. My complaint is thus : after missing mortgage payments, and going into pre-foreclosure, XXXX had dinged my credit rating. They then sold my mortgage or rather the mortgage servicing to Green Tree. Immediately there after Green Tree began knocking my credit, missed payments, in foreclosure. It was XXXX property, XXXX mortgage, but XXXX foreclosures. Why was XXXX allowed to sell the servicing of the mortgage in the middle of my application? Why did XXXX knowingly purchase what was for all intents and purposes a bad debt, and why should they be allowed to hurt my credit for the exact same reason as the company they purchased the mortgage from?
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (ID)

I have a loan with Ditech Mortgage made the XX/XX/XXXX payment of {$2000.00} which was received on XX/XX/2016. For some reason they put them in " suspense ''. To date they have not released the funds. Fear that this will hurt my credit and cause me a late penalty. The account was current prior to this.
Consumer complaint received 2016-10-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

On XX/XX/XXXX, my husband & I filed a Chapter XXXX bankruptcy. My mortgage was not included. At that time, XXXX sold my mortgage to XXXX who reported my payments to the credit bureaus every month, but as being late even though it was n't. Then they reported that my last payment to them was XX/XX/XXXX, which was 1 month prior to completing my 5 year BK and in XX/XX/XXXX I was sold to XXXX XXXX XXXX. XXXX did not report any payments for the 6 months they held my mortgage. said my $ was in a suspence account because they needed more documents from XXXX. I only found out about this because I was denied a HARP loan for nonpayments. When I asked XXXX for a payment history, as I was told if I got one XXXX XXXX would accept that and I could do the HARP, they sold my loan to Ditech. Ditech has not reported one payment and although my BK has been discharged, they will not take me out of their bankruptcy department. These companies have been taking my $ for 16 months and not reporting them, worse yet they are not applying them to my loan. This not only has ruined my chance of repairing my credit, but has kept me from refinancing to lower my interest rates. I can not get away from them. They are stealing my payments. Ditech told me that XXXX XXXX XXXX no longer exists, but when I call their phone #, they answer " Ditech ''. I believe my loan is being sold for profit and they are all connected in some way. Please help me. My husband has since passed, leaving me to figure this out. I 'm preparing for retirement and they have taken my life 's investment from me. I 've sent them a copy of every check, which shows dates, amounts and who cashed them. I. Have not missed a payment or been late. My bank has a record of every check. They leave me on hold. One time was 3 1/2 hours only to tell me it 'll be fixed in 48 hours. I 've been waiting over 7 more months with Ditech.
Consumer complaint received 2016-10-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC (TX)

I Have a mortgage with Ditech walter company. I have been paying on time since XXXX XXXX. Suddenly with no explanations, ditech included the escrow to my pay account, and the monthly payment rise to much. they ( ditech company ) say that my property taxes are not paid, but I already sent on XXXX XXXX the proof of installed agreement with XXXX XXXX, I agree with XXXX XXXX to make XXXX payments between XXXX and XXXX XXXX and that is what I Did. I do n't know why Ditech is taking advantege on that, is not fair. Please Help!!
Consumer complaint received 2016-08-23
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: AAA Collections (SD)

First, the debt collector never told me this was an attempted to collect a debt. I have been hit hard with medical bills due to multiple XXXX XXXX, and my son being born XXXX. Due to baby 's XXXX, I can not work so it is just my husband 's income coming in. I was then asked how I manage to pay my bills. I disclosed my parent 's are assisting. Then she asked about the baby 's father. This is personal information and I told her that is not something I wish to discuss. She pressed the issue further asking me if he works and why he ca n't pay the bills. I once again told her that is personal. She then asked why I was n't on government assistance if I ca n't pay my bill, which is over {$6000.00}. I told her that I do n't plan to live off of the government if i do n't have to and I am not going on assistance just to pay this XXXX bill. They already knew the situation and had sent out a financial assistance application just the week before. I asked for a manager who stated that she has the right to know my personal information including information on the father of my child, even though this medical bills are mine, not my husband 's or my child 's. They then said if I do n't get my financial assistance application in this week that they will send the bills to court to get a judgement out against me. On top of everything else, they call up to XXXX 7 times a day from different numbers. When I pick up, they hang up. They never leave a message. The intrusion into my personal relationships and my life are not welcomed and continued even after I explained they were not something I wanted to talk about. I do what I need to do to make sure my children are fed. They do n't need to know how I manage to feed my children or imply that I can not. I know others who have had similar situations with this company and it needs to stop. I understand they are doing a job, but I have worked collections myself and know that this is unacceptable behavior.
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

On behalf of my client, I submitted a nonrecourse assumption modification package for review to DiTech on XXXX XXXX, 2016. On XXXX XXXX, 2016 I submitted additional documents they requested. Since that time to now, XXXX XXXX, 2016, this file has not yet moved to their underwriters. Their excuse is that they have a new computer system and the packages that have been faxed to them prior to their new computer system, are getting lost in the process. I stated that they should only be allowed no more than 30 days to review the file and if complete, they should have a decision no later than 45 days. The staff state that because this file was sent to them prior their new computer system, they are allowed to take as much time as they want to review this file. They state that this is considered an " in-flight mod review '' which means if the package was complete before their new system was installed, they can not request updated docs. I have not been able to get consistent information when I call to check status on the mod pkg. I was told on XXXX XXXX the package was showing complete and it was under review for QC to sign off and forward to underwriting for the XXXX XXXX. I was told that we should have a decision by the next week. Unfortunately, the file sat with DiTech 's QC department without the SPOC, XXXX ( Single Point of Contact ) making sure the file moved to underwriting. DiTech 's staff is incompetent and unprofessional. Today I was told they need additional information to move forward. Why has this taken DiTech 2-3 months to realize they need additional documents? Why are the responses from the staff inconsistent?
Consumer complaint received 2016-04-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (ME)

we have been with green tree for 16 years they have harassed us from the being they have threated calling all the time, the were charging us extra saying it was for our property taxes and we recentally found out they were n't paying our property taxes we pretty much have been paying over a {$1000.00} a month for 16 years and still owe almost as much as we did when we started, this company needs to be shut down
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (GA)

I sent a deposit in XX/XX/XXXX to a vendor for a move to XXXX  from XXXX that was to occur in XXXX of XXXX. I cancelled the move in XX/XX/XXXX and I requested a refund. The vendor kept telling me it was in process. I had used this company in the past so I wasn't concerned. When it was past 60 days I reached out to Chime asking that this transaction be cancelled. They have refused even though I have explained what happened and provided the XXXX emails I sent to the vendor requesting my money back. The vendor stopped communicating with me. The amount I am trying to get back is {$1600.00}
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TrueAccord Corp. (TX)

I received an email from TrueAccord saying they were trying to collect a debt of {$150.00} for XXXX for a radiator service. 

I never had any work done on my car by XXXX. 

I called and spoke with them and they said there is no debt with them. I never authorized any charges.
Consumer complaint received 2016-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: COMMERCE BANK (NE)

I need help with understanding the legal/ethical practice of Commerce Bank repossessing my camper after I had filed for bankruptcy. I have not obtained a clear or accurate definition of how/what occurred. I had not had any contact with Commerce since XXXX, 2016. After receiving their letter informing me of the auction date, I called to inquire and have been given three pieces of information that seem wrong/unethical. 1. We did n't have a number for you. False 2. They could n't contact me due to my bankruptcy. 3. Reported that their documentation stated that I had personally asked to have the camper picked up. False. 
Please contact with any needed info/questions.
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

Per the agreement reached between GreenTree Servicing and me, the escrow account was to be removed from my account once the escrow balance was brought to a {$0.00} balance. As of XXXX XXXX, 2015, the escrow should have been a {$0.00} balance as I made a payment of {$130.00} to the escrow account and {$400.00} to my principal/interest ( my normal mortgage payment pre-escrow ). I included a signed letter with the payment breakdown and requesting a phone call if there were any issues. I followed up with a phone call to ensure that my instructions were followed through. This was not the case. This is an arrangement that was entered into after my last complaint against GreenTree Servicing. My account has since been transferred to Ditech Servicing due to a merger.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

I opened the " 18 month interest free '' account XX/XX/XXXX and paid monthly on time via XXXX XXXX XXXX. After 18 months, XX/XX/XXXX, I was under the impression that the account was fully paid and therefore, stopped payment. I never received a bank statement from Synchrony bank to verify so I called them to confirm if the balance was paid in full and the representative on the phone indicated a remaining balance of {$180.00} was owed. I paid this amount and closed the account. Roughly a year later I received a letter from debt collections indicating that I owed {$1900.00}. I opened an inquiry to Synchrony bank via mail with support of all my monthly payments. Synchrony bank responded XX/XX/XXXX and attached old statements that were addressed to the incorrect mailing address. Upon opening the account XX/XX/XXXX, I resided at XXXX XXXX XXXX, XXXX XXXX, CA. These statements from Synchrony bank were sent to XXXX XXXX XXXX, XXXX XXXX, CA and the first statement was mailed XX/XX/XXXX ( more than a year from opening the account ). The first statement stated if the remaining {$490.00} was not paid by XX/XX/XXXX that I would be charged accrued interest of {$1200.00}. Again, I was not aware of this since it was mailed to the wrong address. In addition, the representative I called stated I owed {$180.00}. 
I never received a phone call, email or mail from Synchrony bank indicating these charges. They failed to communicate the timing of the charges. On my end I was proactive in making sure the balance was paid in full by 1 ) setting-up monthly checks via XXXX XXXX XXXX and 2 ) calling Synchrony bank to understand the remaining balance owed. In addition, when I did call Synchrony bank to understand if the balance was paid in full, I was provided misguided information by the representative : 1 ) not indicating the appropriate amount owed ( the representative indicated I owed {$180.00} ) ; 2 ) not indicating the date owed and 3 ) not pointing out the accrued interest charge.
Consumer complaint received 2016-02-11
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL (CO)

SYNCHRONY BANK COMPLAINT I had a XXXX card serviced by Synchrony Bank. The servicing was then transferred to XXXX XXXX. I inadvertantly sent {$4300.00} to Synchrony Bank on XXXX XXXX. They received and cashed my check instead of forwarding the payment to the new XXXX, XXXX XXXX. I have called Synchrony Bank multiple times spending hours on the phone to no avail. I faxed a DISPUTE to them as per their request. I sent another copy via Certified Mail. I have never heard back from any of those DISPUTES. I called today and they can not anything in " their system '' connected to my name nor my payment of {$4300.00}. I want my money refunded.
Consumer complaint received 2016-10-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (MA)

XXXX XXXX XXXX are fraudulently reporting on my credit reports claiming that I have a debt with old navy ( synchrony bank ) in the amount of XXXX. This credit card was fraud under my name as I did not open this account After numerous attempts with XXXX, they have not provided me with proof such as my actual signature in opening this such credit card therefore still not removing this account on my credit report. They continue to tell me they verified it was mine but no proof!