davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Except for a 3 year period between XXXX and XXXX I have paid additional principal amounts over and above the minimum amount due on my mortgage for the past 12 years. As a result of the increased payment amounts the loan is nearing payoff and according to my records the loan will be fully paid in approximately 8 months. All payments have been made on the loan on time and there has never been a late charge assessed by the lender during the life of the loan. After recently acquiring the loan and for the past 3 years Ditech has withheld applying the additional principal amounts they received each month by suspensing them in an " Unapplied Funds '' hold. By withholding applying the additional principal amount from the loan Ditech has increased the principal loan balance by approximately {$1000.00} and has increased the total pay-off amount of the loan by approximately {$4500.00}. There is an approximate amount of money in their unapplied funds account of approximately {$3500.00} not recognized in a pay-off demand statement. Ditech must apply the additional monies they received over and above the minimum amount due back to the starting date of their receipt of them 3 years ago and they must correctly re-amortize the loan to reflect the additional principal amounts they received. To date Ditech refuses to provide a detailed amortization schedule with running principal balance total and an accurate accounting of amounts currently suspensed in an unapplied funds account.
Consumer complaint received 2015-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Asset Recovery Solutions, LLC (FL)

They have called me & my wife on several occasions and never sent an initial letter stating my right to dispute. I have sent a request for validation that they have received and signed for and have yet to respond to but continue to report to XXXX XXXX which is illegal under 809 ( b ) of the FDCPA.
Consumer complaint received 2021-10-03
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. (TX)

Equifax has violated my consumer rights. They will not remove or fix a XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: The Leviton Law Firm, Ltd. (FL)

XXXX hired the Leviton Law Firm to contact us regarding a large bill that has been in dispute since XXXX, 2015. XXXX has not made any attempt to work with me to get the billing corrected. Today we received the following first contact email from XXXX XXXX, Sr Acct Exec from Leviton : In the event there is litigation, our client will attempt to recover not only the full amount of the account, but also, if applicable, all accrued interest, applicable court costs, attorneys ' fees, and other expenses, including but not limited to deposition costs and citation fees. We also feel obligated to advise you that, in the event a judgment is awarded in our client 's favor, our client would look for evidence that would pierce your corporate entity veil, and enter litigation against you personally and all other potential principals, successors and affiliates. In doing so, our client would look at the comingling of the business assets with those of the individual principals. Additionally, our client would examine the reality of the corporate existence as evidenced by the keeping of minutes and other corporate records. Our client would explore the possibility of an obvious inadequacy of working capital, and would also determine the number of non-functioning officers and/or directors. The possibility of non-payments of dividends would be investigated, possibly coupled with payment of substantial salaries or other forms of payments to dominant shareholders. Our client would also look at all of your expenses to determine if your business was paying your personal expenses, such as excessive meals, travel, cell phone bills and automobile expenses and the legitimacy of employment of family members. Our client will seek Attorneys ' Fees against you for having to engage in any post judgment proceedings. 

In the event a judgment is entered against you, our client will engage in every method of post judgment remedies to recover the amounts owed. This will include, but not be limited to, the freezing of accounts, debtor examinations, levying against your real and personal property, and filing citations against any and all parties you transact business with. Our client will trace funds and if our client finds that you have transferred assets in violation of Fraudulent Conveyances Act, it will seek to have these assets re-conveyed to you and sold to satisfy the judgment. If you are directly involved in another business which is not in your name, our client will investigate the business thoroughly and seek to have the business re-titles in your name and sold to satisfy the judgment. Our client will record a Memorandum of Judgment against you and it will negatively affect your credit, making it more expensive and difficult for you to borrow money. 

I perceive this has a direct threat without the company knowing what issues we have had with XXXX. It is a direct threat to the owners themselves, professional and personally and is against the CFPB laws.
Consumer complaint received 2016-04-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Outsourcing, Inc. (MD)

A XXXX XXXX from a company called Receivables Outsourcing in XXXX MD called my cell phone, announced they were recording ( though Maryland is a 2 party consent state ) and immediately asked for my date of birth and other identifying information. I told him I would not share personal information with an unknown entity who called me and I asked for more information. He would not provide anything except the name of the company and hung up on me. I looked up the phone number and called them back asking that my cell phone number be marked Do Not Call. They cross referenced the number I was calling from and identified me by name but would not agree to remove the cell pohone from their dialer unless I provided personal information. In fact, a representative ( would not identify herself ) continued to lie and say they did n't have my information ( after she referenced my name ) and she would n't be able to remove my cell phone from their dialer. They would not provide information about the supposed debt without me disclosing personal information and I had never received anything in the mail.
Consumer complaint received 2016-08-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash Curtis is harassing me everyday with calls from several different phone numbers ( XXXX ). I filed for bankruptcy and had a hearing to discharge my debts -- medical bills and credit cards -- on XXXX XXXX and my lawyer said I should expect to get my discharge by XXXX 2016. 

All of my creditors should know by now that I filed for bankruptcy but Rash Curtis is continuing to harass me.
Consumer complaint received 2016-12-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I would like to file a complaint against Rash Curtis & Associates Original creditor XXXX The following accounts XXXX {$170.00} XXXX XXXX on my credit file XXXX to XXXX {$650.00} XXXX XXXX on my credit file XXXX {$1800.00} XXXX XXXX on credit file XXXX {$450.00} XXXX XXXX on credit file I was a patient at the hospital and I had a XXXX and my insurance Paid for my XXXX and all the medication required. I just pulled my credit because I was being denied for employment and I was n't sure what the cause was. I do see that there are collections account and have been reported by Rash Curtis & Associates Original creditor XXXX .The collection company and XXXX
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (OH)

I recently tried to pull my credit information Credit Karma and it stated that another names an email was connected to my identity when that is fraud because I am the true person. I was unable to pull my credit report from XXXX  XXXX  an XXXX  to check my personal credit because someone is using my credit as me. I am requesting that I have access to my credit reports and to Credit Karma, and to have access to use my own report which is law. And if there are any accounts open active and present that they should be closed because they are fraud. Any accounts on there need to be investigated and deleted from my credit record within 30 days I am disputing that this must be removed from my credit report if anything is reporting items and I need all debts to be validated through the Constitutional collection activity I have never used my credit and I have put myself in the system of opt-in and opt-out and I've also provided below proof of Fraud and a in a police report
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MI)

Equifax shows XXXX/XXXX as an open collection, in partial pay agreement, as of XXXX/XXXX/XXXX. The dispute was initiated XXXX/XXXX/XXXX. Account was paid. Equifax reports there was no response for the investigation. They are still reporting it as open as open and unpaid. I wrote a letter, with a copy of the receipt. there still has be no change. I called to complain. They opened up another complaint, and closed it 3 hours later. The emailed the result : no change. Collections accounts can cause me to be terminated. I am a XXXX.
Consumer complaint received 2016-02-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

We have a home in XXXX, XXXX that we purchased almost 10 years ago. We lived there for 2-3 years before we relocated to XXXX for a new job. We then put the house up for sale but due to the housing market plummet we were unable to sell the home and had to rent it. Then due to financial hardships including unemployment we had to try to shortsale or foreclose on the home. Two years ago ( XX/XX/XXXX ) we began the short sale process with Bank of America, the holder of the mortgage. Within the first 6 months we had between XXXX-XXXX offers valid, several were at or above the value of the home and XXXX of them were cash offers. None of the offers were accepted and for the next almost 18 month time period we have wrestled with their ridiculous system. We have filed the same paperwork over 5 times. We were even so frustrated that we have offered to file for a Deed in Lieu of foreclosure or even a straight out foreclosure and we were told that they would n't accept it. 

After doing some research we believe that Bank of America is " Dual Tracking '' our property, which is working on a foreclosure while also working on loan modification. This is not legal and they have lost class action suits for this very action. We have now begun to receive notification of Foreclosure process even though we are still semi-weekly filling out and faxing paperwork for the loan modification process so we can short sale. 

At this time we have once again XXXX-XXXX valid offers for short sale on the property. They have been adding bogus fees to our monthly statements including fees for yard work, lock change, cleaning, maintenance, mail fees, etc. some of which we believe they have made up because we have received no documentation. We paid for the proposed yard work and maintenance performed on the property out of our own pockets.. We also just received a statement with an Attorney/Trustee fee which leads us to believe they have already begun the foreclosure proceeding. At this point we just want to be done. We 'd love to have the home sold but we really do n't think they are ever going to process or accept an offer. We 've been doing this since XX/XX/XXXX and it 's exhausting. BoA is clearly working against itself. While they tell us during regular phone calls that the loan modification / short sale process is moving forward, we receive letters indicating they are foreclosing. 

I spoke to BoA on XX/XX/XXXX at XXXX ( MT ) XXXX XXXX ( our Account Manager ) informed me at that time that the property did NOT have a foreclosure date set and that we were now being moved into either a Short Sale or Deed in Lieu of foreclosure. I opted for Deed in Lieu, citing BoA 's history of unwillingness to allow a sale to go through. I also told her that we had offers on the table. 

She informed me that we would follow up on XX/XX/XXXX. 

In the meantime, we received notice that they house had been rekeyed and it was moving into foreclosure.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5800.00}
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC. (OH)

Me and my family have had severe cases of XXXX  XXXX we were off work an ally financial reported late pays after I notified them we were very sick .I was hospitalized for 21 days an my daughter has been in an out of hospital with covid an she is 5 months pregnant I ask ally if they could remove the late pays an I was told XXXX it will take 30 to 45 days it is 80 days later an it has not been removed
Consumer complaint received 2015-04-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (MA)

On the US Bank XXXX XXXX Visa Card, they are changing the card benefits. 
THE LANGUAGE, the agreement we signed up for CLEARLY SAYS GET THAT XXXX free night AFTER PAYING THE {$75.00} FEE. They have to live up to their terms & conditions here!
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (VA)

I requested a credit line increase from Citibank , N.A . after being told by a representative that doing so would only result in a soft-pull inquiry on my credit report. However a hard-pull inquiry was conducted on my credit report. I sent a certified letter to Citibank requesting they either send me proof of me authorizing them to hard-pull my credit report or remove the hard-pull inquiry. They sent a reply stating they are unable to remove the inquiry and did not include proof of authorization.
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

I have been getting the run around with JP Morgan Chase bank on a home loan modification. The program ends at the end of the month and from Chase 's lack of action they are trying to run out the clock. Lost documents, documents not received, and they had my wrong number. There have been several folks working on my modification. The main person handling my concern had the wrong number to reach me at. Chase does not allow these representatives to email and this ends up wasting time.
Consumer complaint received 2015-04-14
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I leased a vehicle from Toyota Financial and returned it. I went to great lengths there would be no surprise fees associated with the return of the vehicle. Today I was contacted by a collection agent attempting to collect on Toyota Financial 's behalf over a {$510.00} fee associated with the lease return. 

Toyota Financial has had my phone number and email address since the inception of the lease. They made no attempt to contact me about this fee via those mediums. They claim to have sent a letter to an address of a rental property I own but no renter has ever reported having received mail addressed to me. 

I told Toyota Financial if the fees are legitimate I have no problem paying them but would like them to remove the collection from my credit report since I made every reasonable effort to ensure there would be no such " hidden '' or " surprise fee ''. They insisted they could n't remove the collection from my record because they would n't be in compliance with the CFPB. 

My desired outcome is to have Toyota Financial remove the collection from my record. I 'm willing to pay the fees if they can provide me a statement indicating the legitimacy of the charges.
Consumer complaint received 2016-04-24
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (PA)

This is an amendment to my previously filed Case number : XXXX. 
As I stated in original complaint about Best Buy Debt protection form, I have received the form on XXXX XXXX 2016, I filled it with whatever information I have and sent it by XXXX XXXX 2016. 
This is because I was checking with my XXXX about my eligibility for unemployment benefit. I talked to state unemployment agency and they finally registered me. Only thing I am worried about the consequences of this on my XXXX now. XXXX verifies about such claims and may disapprove my XXXX and may XXXX me and my whole family. Just wish to clarify this to BestBuy. I have attached copies for their reference with this complaint amendment.
Consumer complaint received 2022-10-03
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. (MO)

It has been brought to my attention that the Credit reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB complaint to help establish a legal recourse. My information has been exposed in the Equifax data breach. The following account, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please have the following items removed as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$410.00}
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MS)

I would like for Equifax to take this mortgage off of my credit file. I had my attorney review my credit report and he was the one who discovered the XXXX XXXX as the creditor for this mortgage on my credit file. I do not have a mortgage nor have I ever had a mortgage, take this information off of my credit file immediately.
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I purchased a car through a pre-approval that was sent through my XXXX XXXX Credit card. I went to the dealership to present the pre-approval and was told I could then start to search for the car I wanted. I filled out some paperwork, picked my car. XXXX XXXX. I recently checked my credit report and noticed that the care salesman san my credit about 6 times for several different companies despite me already having a pre-approval from XXXX XXXX financing. These inquires were unauthorized and I've been working diligently to have them removed. I was told that I needed to submit this report in order to start the process y XXXX representative XXXX number ( XXXX ).
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}
Consumer complaint received 2016-12-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

There was an inquiry made on my credit by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. I called them and alerted them of the fraud. Someone opened up a credit card and made purchases. I want the inquiry removed and I want to prosecute the fraudster.