davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MO)

Yesterday I received notice from XXXX, a credit reporting service I use, that my mortgage company, Ditech Financial LLC, had flagged my credit account for several " 30-day late '' and " Not more than two payments past due ( 2 ) '' negative designations. I have never been 30 days late mailing my monthly mortgage payment to Ditech, Green Tree, XXXX, or any of the various mortgage companies that have held my mortgage over the past 20 years. Ditech has flagged my account to give the false impression that I have a history of being late with my mortgage payments. When I tried to investigate these false accusations, none of the XXXX credit reporting agencies would allow me to check my credit report online for free, even though I was informed my credit file contained erroneous info. I tried to call Ditech, but their customer service people were off for the weekend. I tried to send them a message on their website, but was told the message option was n't working, so I had to call. I will call Ditech again Monday evening after I get off work. But here and now, I am respectfully requesting that I be allowed to view each of my XXXX credit files at no charge to see how many times my credit has been false marked with negative information and I am disputing any and all late payments. Thank you. XXXX, XXXX, MO XXXX P.S. One of the alerts I received yesterday indicated my XXXX 2016 mortgage payment was 30 days late. I am uploading my cancelled check which shows I was not 30 days late with my XXXX 2016 payment. Let me know if you need any other documents in order to prove that I do n't have a history of late payments. I 'll be glad to upload or mail you anything you need. Thanks again.
Consumer complaint received 2017-01-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commercial Trade, Inc. (CA)

I am a XXXX XXXX XXXX veteran, service connected with XXXX and XXXX. 
I was employed through an XXXX where medical benefits were covered through XXXX California. My premiums were always paid and I never used my insurance. Until I was XXXX and XXXX was needed. The medical group pre-authorized the XXXX. The XXXX was scheduled and after the XXXX, XXXX XXXX XXXX California did n't pay out. Now the medical group sent this {$7000.00} debt to collections and it 's on my credit report. I ca n't even get a cell phone because of these negative accounts in collections. Somebody made an mistake and it was n't me. The medical group has money, the insurance companies have money, the collection agencies have money but they 're trying to stick the debt on the XXXX veteran.
Consumer complaint received 2016-03-09
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: We Collect Inc (OR)

Atlas Financial Services is reporting a collection through XXXX Credit Bureau. This company has unlawfully gained access to my private health information as they sent me a detailed list of services from my medical provider. This is in violation of HIPPA privacy laws.
Consumer complaint received 2017-10-12
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)

Im showing inaccurate information on my Credit report that is not mine & I have disputed with Equifax before which was removed & now XXXX XXXX XXXX has re appeared back on my report .I have explain to Equifax that I was a victim of fraud.Federal law requires that Equifax provide mechanisms to ensure that each item on my report actually belongs to me. Please have the following item deleted as this is inaccurate.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

I went ahead and placed an order on Samsclub.com for XXXX, buying a bedroom set and mattress set. I went ahead and returned the items, however Samsclub has only credited me for the mattress set, XXXX. I have attempted to have the remainder credited and interest fees since the purchase was made on XX/XX/XXXX and here we are on XX/XX/2016 and the mattress credit was made on XX/XX/XXXX. I have been waiting and waiting with no avail. Please help.
Consumer complaint received 2015-05-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (WI)

I purchased a new lawn mower and took our a load with XXXX XXXX XXXX which has is handle by Synchrony Financial. I received a credit card related to this load in XXXX 2015. I attempted on XXXX XXXX 2015 to setup an online account to manage the load and make payments. The account setup did not go well. I called XXXX for assistance with the account. I was told XXXX was having issues with their internet site and to wait a few hours. I did and it still did not work. A few days later I tried to again and was unable to access my account. I called and was told be a supervisor that the E-services team would need to look at it. Since then I have called several times and have been told to wait for a call back. It has been 3 weeks and there is no resolution. I called again today XXXX XXXX 2015 and was told to call back on Monday. This is a loop of lack of service. I 'm am prohibited me from access my account and paying my bill. I have an excellent credit rating and always pay my bills on time and pay my credit cards in full each month.
Consumer complaint received 2015-04-06
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BARCLAYS BANK DELAWARE (GA)

since XXXX/XXXX/15 I have received XXXX phone calls from XXXX Barkley Bank regarding a bill I owe for {$200.00}. I am XXXX years old so I have hard time hearing so my daughter talked to these people several times asking for a bill. To date I have never received XXXX or a past due notice, just these harassing phone calls.
Consumer complaint received 2015-08-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Optimum Outcomes, Inc. (FL)

XXXX slandered when they said they accepted my XXXX plan and then later gave me a terrible experience in the hospital that i had to forcebly despute thru XXXX as they the best they could to appeal and bring it to the hopital to accept
Consumer complaint received 2019-05-28
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: EQUIFAX, INC. (TN)

Received a notification of pre-qualification from the company and applied for the loan. Accepted terms and signed a contract for repayment. During the review the company asked for my banking user name and password to access my bank account, stated that it was for drafting the repayment. After I added my banking info, the loan was declined. 
The company improperly requested my banking info to draft payments ( after I provided them with my paychecks, bank statements, XXXX ) and then declined my loan. 
I have never in life had to provide my bank user name and password and I feel this is an improper and intrusive lending practice for loans from this company. 

If the loan was declined, then none of my banking information should have been requested, especially not my user name and password. This is a poor practice and the company needs to be sanctioned for using these practices if a loan is declined. Pre-qualified or pre-approved, alike.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (KS)

I enrolled at the University XXXX in XXXX and finished by degree in XXXX Navient had said my loan % was going to be 1.75 % but when I started paying it back it was 2.25 %. When I called them they said I had been late on one payment and that I had to pay the higher rate. According to my records I was never late on a payment. When I contacted them again later they still were not willing to lower my percentage. I have paid on the loan for over 10 years. I had borrowed of {$30000.00} to finish my college.
Consumer complaint received 2022-10-01
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. (TN)

On XX/XX/2022, XXXX XXXX made an erroneous hard inquiry on my credit with Equifax. The Inquiry was referece number : XXXX for XXXX XXXX, application for XXXX XXXX XXXX XXXX. 
THE APPLICATION IS A FRAUD AND AN ATTEMPT AT IDENTITY THEFT. 

1. I am not, and have never been associated with XXXX XXXX. 
2. XXXX XXXX does not operate at the address provided. That is my residence. 
3. The Tennessee Secretary of State has no record of a XXXX XXXX in the state. 
4. I have never applied for a XXXX XXXX Credit Card or other credit from XXXX XXXX in any way. 
5. This application is absoultely not mine. 
6. I did not authorize XXXX XXXX or XXXX XXXX to do an inquiry on my credit. 
7. XXXX could not possibly prove that this is a legitimate request for credit that I made, because I did not make it. 
8. I will not quit disputing this until XXXX XXXX retracts the hard inquiry from Equifax
Consumer complaint received 2017-03-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (TX)

ACS Education Services has continuously operated negligently in processing my qualified deferral from the University XXXX XXXX at XXXX that has been submitted and resubmitted on the following days : XXXX XXXX ( fax ), XXXX XXXX ( fax ), XXXX XXXX ( email ). On XXXX XXXX a " XXXX XXXX '' provided me as there were " issues '' with the fax. On XXXX XXXX I received an email confirmation that my deferral was received and that by XXXX XXXX my deferral would be processed and subsequent delinquent credit history restored ( as a direct result of the continued and ceaseless " issues ''. XXXX XXXX no such confirmation for deferral was received. On XXXX XXXX I called again and spoke to a " XXXX '' who notified me that no such information, to any capacity, was every received and to resubmit - again. I notified " XXXX '' that I have so far as received an email confirmation by her colleague, " XXXX '', and upon speaking with her colleague stated that it has in fact been received and would be processed, now, by XXXX XXXX. I requested to receive verification from her supervisor. Upon speaking to her supervisor, " XXXX '', I was asserted that the removal of the negative credit history would be done so by the end of the day. It is now XXXX XXXX and no such action has taken place. This has taken considerable time, has negatively impacted my credit history through an undue and unnecessary time period, has caused extensive burden and borders fraud and malfeasance. I am requesting assistance from CFPB and intervention.
Consumer complaint received 2022-10-01
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)

I contacted all three Credit bureaus to report inaccurate information on my credit report - I have submitted a dispute on these inaccuracies multiple times and their investigation isn't valid. Every time the account comes back verified - I sent them the results from my previous complaint on file with CFPB -with XXXX XXXX  -complaint # XXXX. In that complaint XXXX XXXX states : " XXXX neglected, however, to mail the deficiency letter until XX/XX/2022. Throughout this entire process, XXXX attempted to collect the deficiency balance. Then, on XX/XX/2022, XXXX charged off the balance to a third party collection agency which prompted your inquiry. XXXX regrets your recent calls were unsuccessful in providing the necessary research. '' I sent a copy of the results to all credit bureaus but they are refusing to delete the status as in repossession or paid repossession - the vehicle was totaled- paid by gap and car insurance and then XXXX XXXX failed to bill me for the balance for an entire year - added the car as a repossession and charge off on my credit report. The Charge off has been deleted but it still states repossession / delinquent - this is inaccurate and now stopping me from purchasing a home and a new vehicle for my family.
Consumer complaint received 2015-07-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

Loan was sold off to Greentree with clear directions for taxes to be paid from our escrow account. XXXX months after Greentree took over we received a late tax notice from our county treasurer. The loan documents given to Greentree at the time of transfer clearly state that taxes are to be paid through escrow. Greentree took not only a lump sum escrow payment at transfer ( specifically for taxes ) but has also been collecting escrow money from our monthly payments ( specifically for taxes ). When we called to see why Greentree was not paying our taxes from escrow we hit a wall of ineptitude and rudeness. Greentree required we send a copy of our late tax bill to their escrow department even after verifying that the original loan documents did indeed state that taxes were to be paid from escrow. Why are customers required to clean up the messes of Greentree when it 's their backwards company policies that are causing these issues? Why do consumers have no say on who buys their loan from their original servicer? Why is Greentree allowed to still do " business '' even after settling with the government for just such infractions? A horrible company with horrible staff. Steer way clear if you have any choice in the matter.
Consumer complaint received 2016-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (OH)

I have asked this collection company not to call my cell phone on an auto-dialer and they continue several times a day. I 've asked for a validation notice to be sent to my address. On XXXX/XXXX/16, I requested the representative remove my cell phone from the dialer ( 2nd request ) and send me a validation letter. She confirmed my address and told me the system would generate a letter. I agreed to mail in my payments ( due to the exorbitant credit card fee they quoted for phone payments ). 

Today I received the 30+ call from the dialer on my cell phone with a rude woman who first basically called me a liar because she refused to check the notes then refused to send me a validation notice. She told me my option was to set up secured payment. 

XXXX XXXX XXXX can not confirm this company represents them or is trying to collect on my debt. 

At this point I request a cease and desist from this collection company and will only deal with XXXX XXXX directly. I want confirmation this is documented on my account and there will be no more calls. 

This company is why collection agencies get a bad name.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

In XX/XX/XXXX our current mortgage provider was XXXX XXXX XXXX. In XX/XX/XXXX Ditech would take over. Payment for XX/XX/XXXX check # XXXX was mailed to XXXX check cleared back on XXXX XXXX. We have called Ditech to dispute XX/XX/XXXX payment with no resolution. Ditech has image of check and promised payment would get applied to account back in XX/XX/XXXX. Still nothing, at this time i am in the middle of a refi on a different property and the are requesting a letter from Ditech. Numerous calls with promises they will take care of it and no resolution.
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc. (GA)

I disputed this information from my credit report which is being reported to XXXX back in XXXX XXXX. I asked for verification of this bill and never received anything. I then contacted the company in which they say I owe the bill to. XXXX dba XXXX and spoke to several representatives at which time I advised that the bill had been paid and the service was to be turned of in XXXX of XXXX at the latest, but for some reason I was still being charged all the way up until XXXX XXXX. I have payments that were posted to this account from my bank account and I also have proof that I was no longer at this address as of XXXX XXXX. I feel as though the company is just trying to get something out of me that should not be. I even offered to pay them {$150.00} to settle this account and get removed from my credit report, but they refuse. I refuse to pay for service that I did not have, but was willing to try and meet them halfway. Below are the payments made to XXXX and when I cancelled service and started with XXXX from my bank account with XXXX : Payments to XXXX XXXX XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Other Withdrawals and Service Fees continued on next page XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MISCELLANEOUS XXXX XXXX PURCHASE XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX PURCHASE XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX PURCHASE XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX XXXX XXXX This has been an emotional stress on me due to them trying to continue to collect more than what is due. Received letter stating that XXXX XXXX does not accept settlements on accounts.
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$200.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-02-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MN)

A second property that I previously owned was foreclosed on XX/XX/2011. This property had both a first and second mortgage on it with XXXX XXXX XXXX. The first was properly foreclosed on and was properly reflected on my credit bureau. The second mortgage was sold to a company that is now calling itself Ditech Financial. This loan states that the account was charged off however it is still reported with a past due status on my credit report. When I contacted the company to resolve the issue, they attempted to collect money from me ( even though the credit report clearly reflects that the loan has been charged off and written off their books ).
Consumer complaint received 2015-11-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

I never received my mortgage statement/bill for XXXX XXXX 2015 from Ditech financial as is required. I attempted to contact them by phone both to find out why I had n't received the statement and to arrange a payment so I would n't be late. After and endless time on hold waiting to speak to a rep I hung up and went on-line to make a payment, again so I would n't be " late ''. I made the e-payment, along with a {$12.00} fee, on XXXX XXXX. Received my statement/bill for XXXX XXXX and it showed I had n't made the XXXX XXXX payment and I now owed them a late fee. This time I was able to reach a rep by phone. She said that the payment I made on XXXX XXXX was slated for XXXX XXXX in their system. Claimed I had set it up that way so that I was in act late. I pointed out that I had n't gotten my statement as required by law, that I 'd used their system to make a payment on the due date, and I wanted the fee dropped and the record to show I 'd done what I was supposed to. She refused. So, they did n't get me my statement, their system screwed up my payment, but I 'm held responsible and getting charged and having a " late '' on my record.
Consumer complaint received 2017-10-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (MI)

On approximately XXXX/XXXX/XXXX a loan was taken out with XXXX XXXX XXXX for {$500.00}. Payments were to be submitted from my bank account every two weeks on payday until the loan was paid back. The first payment of {$100.00} was completed on my next registered pay day of XXXX with 7 payments of {$100.00} to be made every two weeks consecutively until the loan was paid in full. The total amount paid would be {$830.00}. This loan has become difficult to pay back due to the high interest rate and fees. 

Upon further review I discovered that the practice of XXXX loan companies dispersing loans consisting of interest rates above state legal limits are considered illegal. In the state of Michigan where I reside, the rates XXXX XXXXXXXX XXXX applies to their loans do not meet state requirements .This was not explained to me prior before I accepted the loan. I am now fully aware that legally I am not obligated to pay this loan back. However I do intend on and wish to pay back the principal amount of the loan, but not the interest and fees. I willingly borrowed {$500.00} and will pay it back via payment plan, minus the {$100.00} I have already paid, for a total of {$390.00} I have reached out to a loan consolidation agency to help me coordinate this as well, and to show in good faith the rest of the loan principal amount will be paid back. 
At this time I also request that all communications Cease and Desist in regards to this debt. This is a notice that any phone calls from employees or registered agents of XXXX XXXX XXXX to my place of employment, home phone, and references are to stop. My schedule makes it impossible to be available to receive phone calls during normal business hours. Be advised that any phone calls received in regards to this debt, will be recorded and by doing so after receiving this letter will be considered an acknowledgment of their agreement to being recorded. 

Thank you, XXXX XXXX