davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

Hello, my mortgage payment consist of XXXX elements principal and interest taxes and insurance. 
My lender charges me nearly {$3000.00} per year and pays out to my insurance co. {$850.00} per year for the same coverage. They have no explanation for the overcharges. 15 month ago And after dozens of phone calls and emails with answers to a solution, I notified my lender and insurance co. Of the problems I am having with my lender and instructed them to return to the lender the {$850.00} on my behalf and accept the {$850.00} directly from me which saved me over 2 thousand dollars every year. I also notified my lender in righting that because of the overcharges I would like to pay my own escrow saving me thousands per year. So for the last year I have been paying my own taxes and insurance and sending my lending Green Tree principal and interest. Of course this upset my lender and they are now refusing my P+I payment and sent me a letter of there intent to foreclosure on me. I am a single parent and ca n't afford to be overcharge, my lender required me to make these overcharged payment for 3month while they investigate which I did only for them to tell me that they do n't understand why the overcharge still appear after the escrow analyst. I need help!
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

My payment has always been under {$2100.00}. My XXXX XXXX was for {$5100.00}. The tax bill sent was for the entire parcel of multiple units. I notified Ditech immediately. They basically told be it was my problem. I contacted the XXXX XXXX Tax board and provided Ditech with the contact phone number. I have continued to make {$2100.00} payments. They have not addressed the issue. They are also charging me for insurance with is paid to the association as is customary. They are charging me late fees and reporting my payment late to the reporting agencies. I have talked to several Managers. Most recently XXXX XXXX at ext. XXXX. He has done nothing to help and does not return my calls. This Company seems totally without concern or customer service. I want so bad to get away from this Mortgage Company but they have ruined my credit so I can not refinance.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (TX)

A Vanilla Visa prepaid debit card in the amount of {$500.00} ( along with a {$5.00} purchase fee ) was purchased on XX/XX/XXXXXXXX  from the XXXXXXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX XXXX. At the time of the card being purchased, there was no indication that the packaging had been altered or otherwise tampered with. On XX/XX/XXXX, I opened the card packaging in order to use it only to discover that the actual prepaid card had been replaced by a XXXX gift card with a {$0.00} balance. It appears that the barcode of the actual prepaid Visa card used for activation at the point-of-sale had been photocopied and taped onto the back of the XXXX store gift card and then repackaged so as to appear legitimate. I immediately contacted the Vanilla customer service phone number on the packaging to report the fraud and ask for a refund. I provided all of my contact and identifying information to the phone agent. I also immediately sent an email to InComm as requested with several photos of the packaging, the purchase receipt from XXXX, and my XXXX  driver 's license. The internal case number assigned is XXXX. 

I've made multiple phone calls to the vanilla customer service line and to the InComm corporate office in XXXXXXXX XXXX  to request an update on the resolution, but have received no substantive response from them. At this time, I'm requesting that a refund in the amount of {$500.00} be immediately issued to me via check and mailed to my postal address. Thank you.
Consumer complaint received 2017-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC (NC)

My public record is showing a bankruptcy on my credit that does n't belong to me, it was my ex-wife 's. It was disputed by XXXX and I sent a letter to XXXX disputing it as well and was removed almost 2 months ago. About 2-3 weeks later, it showed back up on all XXXX credit bureaus again after I had received confirmation that i had been deleted. Ditech Financial, the bankruptcy company, had it put back on, and They are n't even the ones who the bankruptcy was with initially with my ex wife.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (GA)

Hello, Usbank is n't going to refund this  XXXX  charge. I did not make the charge, my balance SHOULD be  XXXX , instead it is {$69.00}. I 've called and they said it should be fixed and of course nothing has been done to fix it.     Thank you.    XXXX   XXXX   XXXX , GA
Consumer complaint received 2015-08-18
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I have had a loan with Ally Bank for my automobile since XX/XX/XXXX. I have never had a 30 day late, and in XX/XX/XXXX the bank applied an incorrect posting on my account which I was not aware of, at this time we had a dispute with XXXX XXXX due to a program that was purchased when we bought our vehicle. The plan had included having Tires paid for up to a certain amount. When we went to utilize the plan we were told that they discontinued the plan but never notified the customers. We had been advised they could pay the additional amount of around XXXX some odd dollars to us directly for the inconvenience. We were not satisfied and we advise if we would of known this was going to occur we would not of wanted the plan, we did not agree that the funding of the loan should of been charged that additonal amount and be charged interest on that balance. When I saw the amount posted to the account I assumed that XXXX sent the amount straight to ALLY instead of us. I pay additonal amounts on my account every month. When I went to pay on the website the payments showed current, and I continued to monitor the website, I paid every month. The payment was removed from my account a while later causing the account to show delinquent. I was not aware, the website that I have made every payment to was not refreshed. This caused the payment to show being paid after 30 days, I was not notified on time and once I saw it was behind I paid the account current. This is causing them to report me for 3 months being over 30 days late which was caused by their website not being updated and giving me a clear paid to date. The account is never posted with the full amount and the extra funds that I send in does n't give me a clear picture of how they are applying my funds. I have never had an issue with this institution but thier not taking responsiblity for their misposting is causing me a lot of grief with my credit reporting. I maintain good standing on all my accounts. I believe due to this error my credit has been ruined and I am not in agreement with companies being able to such things to customers. I have tried to contact them and they continue to not take responsiblity. They respond with generic responses and will not look at the situation seriously. The customer always loses in these situations and we are not treated as individuals, this company already has my money so what do they have to lose. I want everyone to know what a horrible company this is and to never get a loan with them.
Consumer complaint received 2016-04-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Delbert Services (VA)

Paid over {$20000.00} for a {$5000.00} loan.I wish to add that since taking out this loan, I have moved from XXXX XXXX XXXX, XXXX, Ky XXXX. I was harrassed endlessly regarding this loan and was insulted on the phone by a collector.
Consumer complaint received 2016-08-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (CA)

I opened an account online with BOTW based on a promotion they had : {$150.00} incentive. The process seemed easy enough, with the exception that their system would not capture the " XXXX '' for my address. So, I went ahead and added " half '' to the second part of the address. Everything was fine. I received notification that I should receive my account information within the next few days. I called to get my account information to setup my direct deposit, but was not able to get it over the phone and was directed to visit my local branch. I went to the branch and requested my account information. To my surprise, the teller retrieved my information and gave me my full checking account and debit card number without requesting any sort of identification, just me providing my SSN verbally. I tried setting up my online banking and got an alert that they needed to verify my information for security reasons. I do n't understand, I was able to walk in and get my information without issue and without showing any validation that it was me asking for it, yet I was not able to set up my online banking? I called and expressed my concern and the representative was not very helpful, so I asked to speak with a supervisor. The supervisor seemed to not even care that there was a flaw and simply stated, " allow 48 hours for your XXXX to be setup. '' The following days I got an email saying they could not set up my online banking for security reasons and to call in. I called and the rep said it was because my address was missing the " XXXX '' and fixed it. I told her I have yet to receive any information for my account nor my debit card. She assured me it was mailed to me and I would receive it within the next few days. Wednesday ( XXXX ) I called and inquired on my card, it had been more than a week - mail no longer takes that long. The representative seemed confused from the getgo. I asked her to please confirm where it was sent to and read my address verbatim. Out of curiosity, I asked my neighbor if she had received my mail - to my surprise she had my debit card and pin mailer. Someone other than me received my mail because of your error. Imagine this person was not honest? I would have been out {$100.00} because of your error. Not only did your bank fail to safeguard my funds and act accordingly, but delayed access to my funds. This is ridiculous! I 'm a new customer and already experienced poor customer service, misinformation being provided, and possible breach of my account/personal information.
Consumer complaint received 2015-08-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: E*TRADE BANK (CA)

On XX/XX/XXXX I purchased a condominium that had been foreclosed on by the homeowners association on XX/XX/XXXX. On XX/XX/XXXX E Trade Bank instructed XXXX XXXX company to record a full reconveyance of a prior owners loan against the home ( That prior owner had not owned the home since the foreclosure on XX/XX/XXXX ). The reconveyance indicated that the mortgage company had no interest in the property. In XXXX after I purchased the property and cleared all tax liens and repaired the property to live in it {$60000.00} the mortgage company filed a rescission of the reconveyance stating on that document that an error had been made and they did not intend to release the prior owners mortgage. I filed a dispute with E-Trade and XXXX to which I received the reply that the prior owner from XX/XX/XXXX called and stated that he was a victim of identity theft so the reconveyance should n't have been completed. ( This is no explanation for why they would do this ) I am filing a complaint because I relied on the clear title at the time of purchase that I have record of and I believe the mortgage company released interest in the property due to many liens against the unit and its poor condition. They enticed me to invest in the property by recording the lien was not in place. As soon as they found that I had purchased and improved the value of the property and paid all the liens off. They then reapplied their lien. This is simple and plain fraud on the part of the loan company and the XXXX company they are attempting to call a " mistake ''. However their Vice president and XXXX had to go before a notary and record a deed in this error so I believe it is intentional. I put nearly all of my savings into this home and I ca n't reside there or sell it now.
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: PNC Bank N.A. (PA)

We went to the PNC branch to open a joint credit card in XX/XX/XXXX. We specifically asked for a joint card numerous times. When we got our cards in the mail, we realized the woman opened us two separate credit cards, instead of a joint.

When we called PNC and spoke to her, we had a hard time reaching anyone, then she reported that she did not know you could open joint credit cards and that she had indeed opened two separate accounts.

This was escalated to the branch manager, then was escalated to corporate in XX/XX/XXXX. We still have not received any resolution about this problem. We have two separate cards which we did not ask for, and they have not helped to close the accounts or open the joint one we asked for. Corporate is barely responsive to our numerous outreach attempts, and still says they are trying to resolve the issue. It has been 6 months, and we have not heard anything about how they will resolve this or what they will do to help us.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

despite my inquiries your company has reinserted accounts previously deleted and unverifiable. I am demanding the deletion of the accounts bellow XXXX XXXX Status Closed Balance {$790.00} Type Collection Payment Status Late XXXX XXXX Status Closed Balance {$870.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$830.00} Type Collection Payment Status Late
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

I submitted multiple disputes with Experian because they are reporting a late payment with my XXXX XXXX that is incorrect. I disputed and no change. XXXX has sent XXXX requests to change the information and Experian has not changed anything. XXXX has verified multiple times that there are no late payments on my account yet Experian keeps reporting that in XX/XX/2016 that I have a late payment.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (DE)

Incorrect information on credit report far as my Name they have XXXX, XXXX, XXXX. My name is XXXX also they have my address wrong on the report they have XXXX de XXXX, XXXX de XXXX, XXXX del XXXX, XXXX De 1XXXX,XXXX del XXXX,XXXX pa XXXX,XXXX pa XXXX,XXXX de XXXX,XXXX pa XXXX,XXXX pa XXXX, XXXX pa XXXX,XXXX del XXXX,XXXX de XXXX, XXXX de XXXX,XXXX pa XXXX, and my addresss is XXXX De XX/XX/XXXX.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

There were false information on my credit report. I 've disputed with credit reporting agencies and aside from Experian, others have recognized the error and deleted them items. However, after thirty days of submitting the complaint, Experian only responded with a letter that states " If you question the results of our dispute process, then you may want to contact the furnisher information directly or review the original information in the public record. " Complaint receipt date : XXXX/XXXX/2015Refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and XXXX.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

Experian is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. 

If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )
Consumer complaint received 2015-04-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (MO)

On XXXX XXXX, 2015 I went in line to request a free copy of my credit report. I had not done so for a couple of years. I went to Experian XXXX to request the report. XXXX agencies asked that I provide a credit card number and indicated they would charge me {$1.00} for the credit report. I provided the information and agreed to the {$1.00} charge since it was a small sum ( although they should provide the report free of charge ). The next day I was charged {$49.00} by Experian and received and email indicating that I had signed up for their credit monitoring service. On XXXX XXXX, 2015 I was charged {$17.00} by XXXX. I called XXXX agencies to inquire of the charges and they indicated I had signed up for the credit monitoring service. I DID NOT sign up for such service so I told them to cancel immediately and requested they reverse the charges. They refused to reverse the charges but I am disputing them with my credit card company. I believe these agencies engage in deceptive advertising and their web sites are also highly deceptive. Consumers should be warned not to go to their web sites and if they do, be very careful. This is a real " rip-off '' and I suspect there are many consumers who have experienced what I did when I was merely trying to obtain a free credit report which I am entitled to at least XXXX a year.
Consumer complaint received 2020-04-18
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. (NY)

The name on my Equifax credit report is incorrect. 

I submitted a dispute on XX/XX/2020 for the incorrect name and incorrect addresses. The tool to upload documents did not work, so I contacted Equifax via email about this problem, attaching a screenshot of the error and a utility bill as supporting documentation of the incorrect name and addresses. The addresses were removed but the name was not. 

I submitted another dispute on XX/XX/2020. This time the upload tool did work and I included my license. It was not corrected. 

I contacted Equifax by phone on XX/XX/2020 and was told by " XXXX '' ( I think, his accent made him very difficult to understand ) that I needed to provide supporting documentation. I explained that I had included my license. He said to create a new dispute with a cover letter including contact information, image of my license, and image of a document showing my Social Security number. He confirmed that a XXXX was acceptable. I submitted the new dispute on that day. There was a cover letter stating the issue and including my contact information ( address and phone ), a picture of my license, and a copy of a XXXX that showed my XXXX. 

The name on my report was still not corrected. I submitted another dispute of the name on XX/XX/2020, again including an image of my license and XXXX. The name has still not been corrected.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NE)

Credit report not made available online, after completely filling in information online site. Site says my report not available and takes me to mail application ( which requires time and money for stamp, envelope, and mailing - NOT FREE. Must mail an application and wait 15 days - I need report now to monitor credit, not weeks later!!! No explanation why online report not made available. 
Secondly, security id questions are vague and difficult to answer. For example : 1 ) Street you have lived on in past : Offers street name for residential property I own, but not necessarily where I have lived. 2 ) Asks for mortgage closed lender from over 3years ago : I have more than one and its been over three years ago. Must I find my records to answer? 3 ) Asked for closing lender on a vehicle from 2008 over 8 years ago. These are questions I could answer IF I had my credit report, a chicken and egg process going on here!! 
Disappointed-formerly this was a couple of minutes process to get credit report and view online.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

I received my experian credit report today XXXX/XXXX/16 ... .The report is dated XXXX/XXXX/2016. My express account is still showing as accounts that are potentially negative. I immediately contacted experian to dispute this because I have supplied them with a letter staing that this account should be reporting as accounts in good standing. I spoke with the rep and was told the express account was updated on XXXX/XXXX/2016 and showing as accounts in good standing. However the report I received today shows different. I requested a new and corrected report be mailed to me and was told I have to wait till it 's updated. I am very confused as I was told the report updated on XXXX XXXX 2016 and the report I received today is date XXXX XXXX 2016 so this account should have be updated and moved to satisfactory already. I went online and it shows accounts in good standing. But I am concerned because if I apply for credit and my report is pulled it is going to show incorrect information. I was unable to receive another report. I want to see it in writing that this account is reporting as accounts that are in good standing.
Consumer complaint received 2016-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

I had contacted the debt collector on numerous occations and direct disputed it stating that a debt for XXXX was not mine. They were very rude the first 3 times. The last time I contacted them I had XXXX on a recorded line so they could verify that I was not the person they were trying to collect the debt on. I had asked them to get this debt off my credit report because it is not mine and it still is showing up and I am very upset that my credit score is hurting because of debt that is not mine. I want to know why it even showed up on mine. Do they not check SSN or Birth dates. Me and the other girl have similar names but not same birth dates. I am very upset and I would like an apology for the way I was treated by the company. I told them that and I got no response.