davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IN)

A few issues : # 1 I 've provided the proof to the bureaus that they are reporting this bankruptcy inaccurately by sending the credit report and nothing has been corrected. 
# 2 I also requested the physical docs that were used to verify these items that i am disputing and received nothing. These are made available to me under section 609 as well as that said section states that the bureaus must have the physical docs in their possession in the files prior to reporting them to make sure that they are accurate which they apparently do NOT have. 
# 3 items were reinserted onto my report after being removed and I was not notified of these reinsertions within the required 5 days time frame ( was not notified AT ALL ) which is a violation of section 611 and they must be removed immediately. 
# 4 I 've also received letters stating that no investigation will be done when I have clearly outlined what is inaccurate. This is a violation of section 1681, whereas Congress states that once I notify the credit bureaus that they are reporting something incorrectly they must investigate. They also state that they must reinvestigate and go beyond the original source of information ( creditor ) to ascertain that the accounts are reporting correctly. if they had the documentation, we would not be in this situation, would we? Congress also states that the burden is on the bureaus and creditors to prove they are reporting this correctly - it is NOT on me. 

I 'm including my letters in the attachments, as I stated. These clearly outline my disputes in regards to the inaccurate information on my credit report. 
I am including my dispute letters which clearly state my disputes.
Consumer complaint received 2015-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (IL)

I had XXXX for my television serivice and the payment was suppose to have been taken off my credit card. I also had XXXX for internet service. XXXX turned my tv off 5 different times over non payment. I told them it was suppose to be taken off my credit card. They told me to contact XXXX which I did. XXXX told me to contact XXXX. It was back and forth and for some reason they could not resolve the issue of turning my tv off. After the 5th time I told them to take the XXXX thing out and got XXXX and have never had any problems. I explained to the collection agency and also contacted direct tv and have not had a response from either.
Consumer complaint received 2016-12-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (TX)

On XX/XX/XXXX I sent Optimum Outcomes a certified letter asking for proof of a debt they allege I owe. Furthermore, they have placed this against my credit with Equifax. They were given XXXX days to respond via mail and I have still not received the requested documentation I 'm allowed by law.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Penn Credit Corporation (CT)

I had XXXX traffic tickets when I happened to live into XXXX prior to moving to XXXX and I agreed to pay on a monthly basis payment. As a matter of fact, for some reason I have failed to pay a few months once I moved to XXXX; therefore, according to the XXXX Clerk office and Peen Credit I have been charged of some interest for skipping those unpaid months which made my payment debts piled up to $XXXX which was paid off by check in full through my Bank that is XXXX. Today the Penn Credit that is the debt collector office hired by the XXXX Clerk office denied completely this payment made by my Bank which the entity's representative had provided authentic documents to the Penn Credit Supervisor known under the name of XXXX as a result of conversation over the phone on XX/XX/XXXX at XXXX which was a conference call that involved myself XXXX, the XXXX representative and XXXX the Penn Credit's Supervisor. I'd enclose some relevant documents such as proof of payment, acknowledgement letter of the related debt and ID # of the Penn Credit profile account.


Subject: Acknowledgement of debt


XX/XX/2015

Room: XXXX

CaseXXXX

XXXX
XXXX

Subject - Traffic Ticket Receipts

Dear Clerk Representative,
Per a late conversation with one of your Clerk Office Representatives who stated based upon the XXXX Clerk records revealed that I have XXXX unpaid fines according to my court records. As a matter of fact, I totally acknowledge that I was cited for XXXX. However, I have to claim the paid traffic ticket which was made in the amount of $XXXX by myself to the XXXX Clerk Comptroller Office located to the address above. In addition, I have enclosed the receipts that I have had from the related bank for the XXXX traffic ticket which was evaluated in the amount of XXXX which was agreed under the defendant's consent to make a monthly payment of $XXXX. 
I would love to be reached by the Clerk Office in order to pay off any due payments and having some clarification regarding the XXXX fine that was paid.    
 
Sincerely,

XXXX
P	 XXXX
E-mail. : XXXX


(Penn Credit) ID number: XXXX
Consumer complaint received 2017-02-21
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (AZ)

On XXXX XXXX, 2017 I received my monthly statement from Loandepot stating " unscrupulous '' information in terms of defrauding and financial gouge on our mortgage loan with a different address shown below : LoanDepot XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX We are sincerely concerned about fraudulent scam activity loandepot harassing us with our mortgage loan. The amount of our Mortgage : Principal balance totally incorrect. As we are 3 months ahead with our payments. And that is : XXXX, XXXX, XXXX, 2017. XXXX payment we made in XXXX XXXX, 2017 check # XXXX & XXXX amount & XXXX each. We are really fatigue with fraud dishonest services from Loandepot different locations we been dealt with fraudulently. We are asking for help to have loandepot investigate and scrutinize for Consumer Frauds and Defrauding us purposely. Sincerely : XXXX & XXXX XXXX ... ... Loan # XXXX Appreciate your help Thank you :
Consumer complaint received 2017-02-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MEI AUTO FINANCE INC (TX)

I received in the mail today a 2016, XXXX from this company. On the XXXX they fraudulently identified this debt on Line XXXX as " XXXX '' when it should have been listed as " XXXX '' for Bankruptcy. This company is very aware of my Chapter XXXX bankruptcy discharged in XXXX 2016. They have received multiple correspondence of this bankruptcy since XXXX 2016. They intent is to deceive the IRS in order to write off this discharged debt that they know is not taxable by federal law. In addition, they have fraudulently notated this debt to the IRS so I can be held liable for this debt.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX  XXXX XXXX XXXX is incorrectly reporting that my account is open. I requested the account to be closed, have received a confirmation by email, and have provided a copy in this complaint submission, that the account would be closed. XXXX XXXX  XXXX XXXX XXXX is continuing to report to the agencies that this account is open. XXXX XXXX  has zero consideration for the small consumer, as this is one of TWO incorrect reporting of information to the Credit Bureaus.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (TN)

My mortgage loan is with Green Tree Servicing as interest rates fell during the mid and late XX/XX/XXXX Myself and My wife were interested on numerous occasions at restructuring our loan either as a refinance etc. but we were always told that it was impossible by Green Tree representatives, when MHA, restructuring etc. was made available under Federal Law again Green Tree advised us that a Refinance within the company was impossible, although they offered loan products of all types, My mortgage has always been paid on time we have never had as much as a day late mortgage payment all we ever wanted to to do was take advantage of lower interest rates, Our home was purchased in XX/XX/XXXX and it is a mobile home but on a fixed foundation and considered real property by the county within in where we reside Our interest rate is 7.79 and Originated with XXXX and was sold apparently to Green Tree in which our nightmare began early this year I filed a complaint with the Tennessee Consumer Division, because although our mortgage has always been timely and paid in full Green Tree hounded us by phone almost daily after being notified division in ( which Green Tree stated in an out right Lie they never contacted us, ) advised the STATE OF TN They would put us on a no call list, etc. I would just like to know why our loan through GT Servicing does n't even qualify for Bi-Weekly payments or any change for that matter, I have been told every time I spoke with Green Tree where I called that we could n't modify at all period Why, no one at Green Tree would explain to us at all just simply that we couldnt change anything, I 'm not asking for my mortgage to be paid for me I just dont understand why we are discriminated against by this company under the MHA Law or any other aspect of our Loan
Consumer complaint received 2016-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (VA)

I applied for a job with a credit union in the security department. They informed me I had a bad debt with XXXX on my credit report and needed to resolve it in 30 days or I would lose the job offer. I contacted XXXX and was informed they had no record of me having an account currently or in their archives owing a debt of any kind. They refused to remove the negative credit account stating they were not reporting it. I called the number from the credit report and was told they were a debt collection agency. I believed this was an Identity theft issue however I did not have the time for an investigation. I paid the account with the collection agency, XXXX XXXX, in full due to time constraints. This was XX/XX/2016. I am now being billed by another credit collection agency, EOS CCA for the same XXXX account.
Consumer complaint received 2016-04-29
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Remitly, Inc. (WA)

We arranged with Remitly online for {$100.00} to be transferred to a family member 's bank account in the XXXX. The money was removed from our bank account but never transmitted to our family member. Remitly had vague answers over 6 days about the status of the transfer. We contacted our bank to dispute the charge and will make other financial arrangements for the transfer. We will not use Remitly again and advise anyone else to avoid this company.
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Aspen Yo LLC (FL)

My loan was transferred in XX/XX/2020 from XXXX XXXX to Gregory Funding. 
However, around the same time, I did a refinance. My property taxes was paid by the refinance company and Gregory Funding in XX/XX/2020. 

After several calls to XXXX County Tax Revenue department a supervisor by the name of XXXX informed me that the money in the amount of {$5800.00} was sent back to Gregory Funding since my account was already paid by XXXX XXXX XXXX. He further stated that Gregory Funding must reclaim their own funds. 

As of today, I have not received my escrow balance in the the amount of {$5800.00} from Gregory Funding. It is very difficult to communicate with them and I keep getting the same people and being told that the research department is working on it. 

I spoke to a supervisor by the name of XXXX XXXX a couple of times about the matter. The last time I spoke to him was on XXXX. He told me that the research department spoke with someone at the XXXX County Tax office and I should receive the refund soon. I called again on XXXX and was told that I was not going to receive the refund. I was connected to XXXX XXXX voice mail and Ieft a message again for him to call me but he never called me back. 

I would like a resolution to this matter by Gregory Funding refunding my {$5800.00} that is due to me from my escrow balance.
Consumer complaint received 2016-12-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: MOHELA (IL)

I want a payment I can actually afford. I have had my loan for years and been on the income driven repayment plans. Every year the payment goes up to an amount that is difficult to afford. I have had to resort to taking XXXX loans and even cashing in some of my XXXX with the XXXX % penalty to afford the payments. There are now new plans that base repayment on 10 % of income but I am being told that I do not qualify as I am not a new lender although the site that estimates payments show me that I do and shows a payment I can afford. I have repeatedly sent the servicer notes and the never take the time to review the questions and provide a full response. At no point, even after asking, have they indicated they have a true loss mitigation program that would lead to lower interest rates and truly look at debt to income and the actual expenses a borrower has to determine their ability to repay. I do n't understand why student loan servicers are not held to the same standards as mortgage servicers. The payments are so significant that making them could impact the ability to pay a mortgage payment and thus will have the same potential impact of costing someone their home. This servicer and all other student loan servicers need to be forced to develop true loss mitigation and loan modification programs.
Consumer complaint received 2015-07-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

My Husband XXXX XXXX has a mobile home loan with Green Tree which we paid the principal balance off back in XXXX. Green Tree is refusing to release the title because they say they have added insurance to the account even though we have provided proof of insurance to them. They are charging us interest on something even though we have statements that show a XXXX principal balance. We have been dealing with this issue since early XXXX and have faxed document after document showing we had insurance during the dates they are trying to charge us for. In the mean time they are harrassing us by telephone daily for the money and have stated they will no release the title until we pay the insurance. We have proof of insurance. We are paying fees to keep the mobile home in place due to the fact the purchaser who bought it from us ca n't move it until we have a mobile home title. It is a racket. You should n't be able to assess insurance on a property that already has insurance on it and then expect people to pay for it and not refund them. We have had this happen XXXX other times with Greentree. Our balance is paid in full and we want our title.
Consumer complaint received 2016-10-11
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: LDF Holdings, LLC (OK)

I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from Oklahoma Employees Credit Union and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.
Consumer complaint received 2016-09-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NY)

Citimortgage charged me with fees related to foreclosure while I was in a chapter XXXX bankruptcy. These fees were not approved by the bankruptcy court. Also the attempts at foreclosure occurred while I was under the protection of the SCRA, while XXXX with the XXXX in XX/XX/XXXX-XX/XX/XXXX. My chapter XXXX was discharged in XX/XX/XXXX, and all debts that were approved by the court were paid. Despite my discharge, Citimortgage has refused to remove the fees. I am preparing to refinance and the fees will have to be paid before I close.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

I have been trying to work with CITI Mortgage for years to save my home. 
Everything they have requested of me I have done. 
I sent in all requested documents and found that the person assigned was no longer with the company. No one could find his files and I have had to start over, over and over. 
They sent me a summons and complaint I answered and their lawyer rejected and wrote in a marker over my submission to the Court on my behalf. 
I tried to talk with CITI and no one knows what is going on in my account.
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZENCO COLLECTION, LLC (FL)

Zenco Collections, LLC on behalf of XXXX XXXX XXXX is attempting to collect on a debt dated XXXX of which I have no knowledge of. In addition, they have pulled an asset report and are threatening to place liens and levies on my assets and garnish my wages through legal action. A message was left on my phone in which legal action was threatened without any verification of identification. A search of their phone number, reveals that it is a scam phone number.
Consumer complaint received 2015-04-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (TX)

I contacted Best Buy Credits Services in XXXX XX/XX/XXXX to advise of unexpected medical bills, which was putting me in a position where I was not going to be able to pay off a promotional balance on my account that was due to expire on XXXX XXXX, XX/XX/XXXX. Supposedly the process was started on my request but was never completed, so they " started it over again '' when I called in XXXX XX/XX/XXXX I continually kept following up on the status and could not get a definitive answer. Calls were placed on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. All I was asking for was an additional 60 days to pay off the balance with out incurring the deferred interest amount of {$1000.00}. I kept getting told over and over that I would see it on my next statement, needless to say this has never happened and I was hit with the deferred interest on my statement that closed out as of XXXX. I received a voice mail and email today from XXXX XXXX Best Buy Credit Services Account Manager and tried repeatedly to return the call and got voice mail and left message and also returned a response to the email requesting that I be called. So, I called the number on my statement and got to a different Account Manager and got so perturbed I ended the call.
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (MD)

HI Sir/Madam, Sub : To whom it may concern. 

I applied for XXXX XXXX XXXX access more card form XXXX and approved. they are offering if I spend {$2000.00} in first three month and buy the phone from there provide link from their website then I will get {$650.00} statement credit. I did what they told me and also the lady I placed the order from XXXX bank also stated on my account that I will get my statement credit. But still two month and I did n't receive my credit. when I called them they are asking me to send me the receipt of purchasing that phone which I bought it from their link and also from their credit card. It a false advertisement and waste of time for consumer who have to call and wait for his money. They should stop this kind of advertisement and when consumer call them and placed the order with them as they describe they should issue that credit right away.
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (TX)

There is an item on my Credit Bureau reports that is from Citicards showing a charge off. I have requested numerous times for an itemized breakdown of all charges and credits a copy of the application and who made the charges. Have never received a response. The account is now out of statutes. Texas statutes is 4 years the date of last payment is XX/XX/2011 I called citicards today and offered them a settlement and they refused any money for a settlement because the statutes had expired!!! they informed me that the listing on the credit bureau length of time is up to the Credit bureaus. I called XXXX and the told me 7 years. 
The problem is Citicards refuses to settle and I cant get the credit bureaus to remove until after 7 years. seems only right to me that if the statutes have expired and Citicards refuses to settle, the entry on my credit bureau reports should be removed -- please help.
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (CA)

CBNA did an unauthorized Hard Inquiry on XX/XX/2017. Their information mailing is XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX and their contact number is XXXX. When calling the number, the company stated was CitiGold and the only way to talk to someone was to enter my social security number- and I 'm not doing that. I have no idea what this is and did not authorize/approve ANY company to do a hard inquiry. I did ask for a credit line increase from Citibank on a credit card but nowhere did it say on the request that a hard inquiry would be preformed. Can you please remove this Hard Inquiry? Thank you for your time