davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

XXXX/XXXX/XXXX I am writing this letter on behalf of the lack of concern, underhanded tactics, a total disregard and disrespect of customers, conduct unbecoming of professionals whose job is to deal fairly and justly with customers facing financial hardships, regardless of the cause of the hardship. 
On XXXX/XXXX/XXXX, I filed a Chapter XXXX bankruptcy in an attempt to get a handle on my debt. I received a letter from Green Tree Servicing LLC, informing me that my loan was being transferred from XXXX XXXX to their company and would be in effect on XXXX/XXXX/XXXX along with my new account number and the mailing address. 
The bankruptcy was discharged on XXXX/XXXX/XXXX, but I kept receiving monthly billing statements and was paying them because I was told that I still had to pay because this was owed and if I did n't, I could very well lose my home. 
On XXXX/XXXX/XXXX, I made a decision to see a credit counselor to try and clean up my credit. When I received a copy of my credit report, both Green Tree Servicing LLC and XXXX XXXX XXXX appeared with the same outstanding balance of {$25000.00}. I requested that XXXX investigate and correct the account. 
I made payments to Green Tree Servicing LLC from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX in the amount of {$3900.00} ( USA Dollars ). I attempted to to speak to Green Tree Servicing LLC concerning the matter, but, I was given the run around and told that someone would contact me but no one ever did.
Consumer complaint received 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

During approximately XX/XX/XXXX, due to the Covid-19 epidemic, my wife was laid-off from her XXXX XXXX XXXX employment XXXX indifferently XXXX Also due to the Covid-19 epidemic. my monthly salary was cut approximately 15 % by my XXXX XXXX  XXXX  XXXX  employer. 

Because we were financially dependent on a full XXXX salary family income, I immediately contacted my mortgage company, SPS, for options in paying our future mortgage payment ; which would prevent possible future foreclosure. In response, upon an application submission and review process, SPS generously granted us a XXXX period unemployment forbearance plan, which reduced our monthly mortgage payment by approximately {$1300.00}. 

During approximately XX/XX/XXXX, due to the reduction at that time in the XXXX XXXX rate, my wife was reinstated by her XXXX employer on a part-time basis. In addition, my full monthly salary was reinstated to a pre-pandemic level. 

During approximately XX/XX/XXXX, I notified SPS of my wife 's employment status and my full salary reinstatement status. At that time, I requested from SPS a program to repay the outstanding deferred mortgage balance, of approximately {$20000.00}, due to our past participation in SPS ' granted unemployment forbearance plan. 

On XXXX, i received from SPS in the mail their notice of future foreclosure of my property, if I failed to pay in full the {$20000.00} balance by XX/XX/XXXX. In response, I immediately telephoned SPS about their demand. In response, the SPS Representative informed us that SPS decided not to offer us any monthly payment installment options to pay the {$20000.00} outstanding deferred mortgage balance and thus foreclosure of my property would take place after XX/XX/XXXX, if the full balance isn't received by SPS before that date. 

I clearly and politely explained to the SPS representative that we went through severe financial hardship during the Covid-19 epidemic, which caused us to deplete our financial savings, and thus we didn't have the current means to pay that large outstanding lump sum balance back to SPS, which SPS was now demanding. In response, the SPS Representative informed us that there were currently no repayment installment options available to us to pay back the {$20000.00} balance and thus the full amount was due by XX/XX/XXXX, XXXX 

Please note that we are not requesting any type of charity program from SPS. We just respectfully need a means to pay back the deferred mortgage balance in an installment plan, so that we can avoid upcoming foreclosure and also have the ability to pay SPS back the outstanding deferred mortgage balance that we owe them,
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, VA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bepensa Capital, Inc. (MD)

I sent a letter however, got no response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX d/b/a XXXX XXXX XXXX XXXX '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

Consumer reporting agencies furnishing inaccuracies on my consumer file. On XX/XX/XXXX I sent a letter to US Bankruptcy asking if they furnished or was asked to furnish an alleged bankruptcy on my consumer report by the big 3 consumer reporting agencies? ( XXXX, XXXX, and XXXX ) I Received a letter dated XX/XX/XXXX from US Bankruptcy XXXX XXXX XXXX New York stating that they are not associated with any consumer reporting agencies. What is included or expunged is from a consumer report is determined by the credit reporting agencies. Since Lexis Nexis did not get this information from the court, I need to see a copy of the documentation you have in my consumer file as to where they did receive this information. Federal Privacy Act of 1974 - 5 U.S. Code section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens and legal alien residents.

According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are reporting date filed on XX/XX/XXXX, while XXXX is reporting the date filed as XX/XX/XXXX. 

Thus, making my consumer file inaccurate. 

The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. XXXX reports the reference number as XXXX, XXXX reports XXXX, and XXXX reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well.
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (VA)

I sent the Experian credit bureau a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was on the XXXX of XX/XX/2022 and have yet to receive any response back in regards to the matter. 

the following accounts are XXXX for {$550.00} XXXX for {$5300.00} XXXX XXXX for {$78.00} XXXX {$6600.00} XXXX {$5300.00} XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 u.s.c 1681 section 602 i have a the right to privacy I have contact transunion XXXX times about removeing these address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i do not live their i live XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My Home loan service company was XXXX XXXX  until XX/XX/XXXX. Loan # was XXXX. In XXXX they transferred my file to a new servicing company name is XXXX XXXX. XXXX XXXX had this loan under the file number XXXX. This loan has been totally paid off on XX/XX/XXXX. The XXXX XXXX XXXX XXXX have mistakenly reported this loan " more than 180 days late '' to all XXXX Credit Bureaus which is false! I have been on forbearance plan with XXXX XXXX  from XX/XX/XXXX up to XX/XX/XXXX ( The agreement, the extension letter and two snapshot of my XXXX dashboard are attached ). As you may see I have been on forbearance plan, so how possibly I could be late? As the result of their mistake my credit score decreased from XXXX to XXXX today. I have called both XXXX XXXX XXXX and asked them about this and both accepted this was a mistake but they say it may take up to 60 days to finish their own investigation and send correction to the credit Bureaus. Problem is I am in the middle of applying for another home loan and the lender just received my poor credit score and denied my application. I am very upset with these two financial institutions and want you please let them it will have sever consequences to play with peoples life. They have to send the correction to to the 3 Credit Bureaus ASAP. Thank You, P.S. I am XXXX XXXX and I am the owner of this account. I once used this account to file a complaint for my ex wife XXXX XXXX, but now I see the account comes under her name which is not correct. Please make necessary correction and put my name as the owner of this account.
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

To Consumer Financial Protection Bureau, I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In XXXX/XXXX/2016, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. The promotion was set to end on XXXX/XXXX/2016. Not knowing if I was indeed targeted for this promotion, I was not sure if my application might be approved. Hence I had confirmed via chat with a Citi Bank representative named XXXX on XXXX/XXXX/2016 that the application will be processed, and that I qualified for the bonus offer of XXXX XXXX points upon meeting the promotion requirements : Within 60 days, complete a purchase of { {$1000.00} } or more with your Citigold Debit card and perform XXXX or more bill payments for XXXX consecutive calendar months. This information should be discoverable as all conversations are recorded by Citibank. After I met the promotion requirements, I contacted via phone Citibank to confirm this and to inquire when to expect the points to be posted. During this conversation, a service request was logged by customer services to open an investigation ( reference number XXXX ). On XXXX/XXXX/2016, I received a formal letter from XXXX XXXX, Director, client research, informing me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. See attached letter from Citibank. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was for this promotion. I anticipated to use the points to plan for a vacation. I am requesting Citi to honor the set promotion. If I was indeed not targetted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. Attached Screen capture of chat with Citi representative during my conversation before opening the account.
Consumer complaint received 2015-04-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

We received a letter from Complete Payment Recovery Services , Inc. out of Alabama, regarding a debt from XXXX we DO not even KNOW who or what this is. Letter sent out XXXX saying it was a payment to a company we do not even use or ever heard of. Also, an amount we have never paid. We wanted to pass this on if this company is doing this to businesses and are they are not paying attention, it could be a issue. I also do not even use those check numbers.
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022, Experian received identity theft documents that legally required them to block the reporting of a fraudulent XXXX account. They deleted the account on XX/XX/2022. 
Then on XX/XX/2022, they reinserted the fraudulent XXXX account without providing the required validation documents ( proof of identity of the Original Creditor ), to prove that the account is accurate. In addition, they furnished my credit report without my written consent, which is a violation in itself. 
I spoke to supervisor XXXX today, XX/XX/2022 at XXXX in the afternoon and informed her of the laws they were violating by reinserting without proper evidence and asked her to provide me the proof that XXXX allegedly sent them to verify that the debt was accurate. She was unable or unwilling to comply. 
Experian now has willfully and knowingly violated several of my federally protected consumer rights and I am demanding remedy.
Consumer complaint received 2015-10-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IN)

Mortgage Company XXXX XXXX sold my loan to Green Tree Servicing LLC, Green Tree Servicing LLC was purchased by Ditech is now called Ditech. I have not and did not receive any information regarding this company name change and also have not received any correspondence from Green Tree Serving or Ditech in reference to my Mortgage Loan statement or Balance due since XX/XX/XXXX. I 'm currently in he process of loosing my home due from loss of income XX/XX/XXXX and have been working with Green Tree Servicing LLC since XX/XX/XXXX to resume my mortgage loan obligation since re-employment XX/XX/XXXX. Green Tree has denied me every program advertised to prevent foreclosure. I am currently working with Indiana XXXX XXXX XXXX and very positive this is my last chance to save my home due to working with clinic exploring all prevention possibilities that my own mortgage servicer could not or would not. It has been very difficult communicating with Ditech, there mission is to Foreclose on my home and not work with me now that I am employed and can resume monthly payments.
Consumer complaint received 2021-05-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2016-03-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TFS FINANCIAL CORPORATION (MI)

Completed a chapter XXXX bankruptcy in XXXX. have sent in XXXX payments since and requested a statement every month. No statements or correspondence. No year end XXXX interest statements either. I am concerned that this lender is doing this deliberately. Previous to this situation this lender took over for the original lender that closed.I am also concerned the balance owed is not right.
Consumer complaint received 2015-07-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC (GA)

I am currently 2 weeks behind on my loan with ( insta loan ) the day after i had missed my due date, they have continued to call me every single day, non stop sometimes 3 times a day. now it 's got to the point where they have came by my house and left a letter. this is getting out of hand. I told them i would pay them when i get some money up, and i had also spoke to the manager last time i went in about his employees being very rude on the phone.
Consumer complaint received 2020-10-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

WE ARE IN THE PROCESS OF A VA IRRL. I MAILED A CK TO NEW REZ ON THE XXXX OF XXXX AND REALIZED IT WOULD NOT CLEAR IN TIME TO SHOW XXXX PAYMENT POSTED ON TIME. SO I STOPPED PAYMENT AND CALLED IN A PHONE PAYMENT CONFIRMATION # XXXX. HOWEVER, NEW REZ DID NOT REQUEST THE ACH TRANSFER FOR MY PAYMENT FOR XXXX. I THEN CALLED IN ANOTHER PAYMENT CONFIRMATION # XXXX PROVIDED BY NEW REZ. MY LOAN HAS RECORDED AND SINCE THE XXXX HAS NOT POSTED NOW WE ARE SHORT TO CLOSE THE LOAN.SO TODAY NEW REZ STATED ANOTHER 2 TO 3 DAYS TO POST MY PAYMENT.
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

I do not owe the NATIONAL CREDIT ADJUSTERS charges they keep claiming I need to pay to them or someone else. It's so frustrating and it's also affecting my credit history. I just paid my Student Loans and that is showing that I'm a very responsible person to make my payments on time if they are mine to make.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

From XXXX until today XX/XX/XXXX and I've called and written by mail and requested all contracts with wet ink signatures between XXXX XXXX XXXX XXXX XXXX and all account statement for the alleged account that I have with XXXX XXXX. They've failed to produce and now have went so far as to harass me via a debt collection attorney who has my nonpublic information without my permission or consent. XXXXXXXX XXXX XXXX XXXX XXXX XXXX has opened up a court case in XXXX XXXX court that I do not live in and are tarnishing my name and character via the courts system. They had an address on file in XXXX XXXX XXXX and I never personally gave them this address stating that it was my own. XXXX XXXX sends me mail that says XXXX XXXX XXXX and I do not have any contracts with them either. This has caused mental and emotional pain to my life.
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express has inexplicably frozen my rewards account which is over 5 years old. Due to me not being able to redeem my points I am unable to purchase flights that are on hold with their transfer partner, XXXX. Furthermore, they stated they will take XXXX8 weeks to review the account which will not be complete until after their 40 percent transfer bonus expires. I will now have to purchase the flights I had on hold for {$6000.00} since they will not let me use MY points. No points bonus has been applied to my account.