davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I have a mortgage and a home equity loan both payable to Ditech. Every month, I would receive XXXX bills with payment stubs. I would mail XXXX check with both stubs back and payments were allocated correctly. Until this past XXXX when allegedly Ditech got a new system that electronically read checks and stubs. They apparently applied XXXX check to the equity loan making the mortgage appear in arrears. I started to receive collection calls and each time I would explain and receive assurances the payment would be reallocated. That never happened. I have received XXXX calls, XXXX sets of collection letters, XXXX sets of certified letters, instruction on filing for government assistance. In between all this I get letters telling me they 're investigating. 

I 've spoken with several service reps, XXXX supervisors who never return voicemail messages and I 've attempted to reach an executive in Ditech 's headquarters in XXXX PA only to be dropped from their IVR system. I 've attempted to email Ditech at an email address in their statement only to have it bounce back. I 've mailed outlining payment check numbers, amounts, date of issue, date the check cleared and no response. I 've paid every. Bill in full and on time. Ditech have been completely unresponsive and inept.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (CA)

post closing the lender is asking for money to cover an error from the closing company and lender. They made a mistake in calculating the payoff amount for the old mortgage amount, the error was {$7500.00} and the lender is asking us to pay it, a week after closing I was informed of the error. We do not have {$7500.00} om hand, and they lender should have verified the payoff amount of the old mortgage.
Consumer complaint received 2016-06-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (TX)

I co-signed on an auto loan for my ex-husband who stopped making his payments and Regional Acceptance placed me as primary on the loan. I have never seen this car nor is it in my possession. I have told them this hundreds of times and given them my ex 's contact information. However, they continue to harass me by calling my job daily and my cell daily. They are bullies and threaten they will take everything from me. They use scare tactics and treat me horribly. I am a single mom with XXXX XXXX daughters of which I do not receive child support or any assistance. I was unfairly made primary on this loan and have tried to be as cooperative as possible to no avail. The interest on this loan is almost 30 % and the balance never goes down, it continues to increase. Please help!
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I have submitted two disputes to have incorrect information removed from my report, both dispute results stated the items would be deleted. I spoke with 2 supervisors/managers and they stated that they were updating my profile. It has been 2 months and the items still remain.
Consumer complaint received 2015-05-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION (TX)

BBT HAS ILLEGAL RECIEVED A COPY OF MY XXXX AND XXXX CREDIT REPORT FOR A PURPORTED VECHILE LOAN I NEVER APPLIED FOR, LISTING XXXX XXXX XXXX USING MY SSN NUMBER AND RUINING MY CREDIT REPORT AND CAUSING A MIXED FILE I WANT THE RECTIFICATION IMMEDIETLY
Consumer complaint received 2017-02-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FMA Alliance, Ltd. (TX)

My name is XXXX, and I have had the telephone number XXXX for three ( 3 ) years. For more than a year, FMA Alliance has called me several times each month, insisting that I am XXXX. After failing to convince them that I am not her, for several times, I looked up her phone number and address on the internet. I even called her to confirm the info was correct. I have given that to FMA Alliance three ( 3 ) different times, They still insist that I am really XXXX and that I am lying so that I will not have to pay the bill. So I have attached two ( 2 ) recent bills that confirm my address and telephone number. One is from XXXX the provider of my telephone service. The other is from XXXX the company that provides my electricity and internet. Please try to convince FMA Alliance that I am really XXXX, not XXXX. XXXX address and phone number : XXXX, TX XXXX, XXXX
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (VA)

PNC Bank Services has interfered with my financial relationship at a company called XXXX XXXX XXXX loan by paying them money not in my account. They have for XX/XX/XXXX penalized my account for insufficient funds after they made this payment, and as of Friday, XX/XX/2016 held my direct deposit from social security retirement hostage where I can not asses the account.
Consumer complaint received 2022-10-02
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. (MI)

My name is XXXX XXXX. I have new and updated information regarding Equifax failure to comply with federal law. 
I have requested on several occasions that Equifax and XXXX PROVIDE ME WITH ALL DOCUMENTS that were used during their reinvestigation. Pursuant to 15 USC 1681d ( b ) EQUIFAX AND XXXX SHALL PROVIDE ME WITH A COMPLETE AND ACCURATE DISCLOSURE OF THE NATURE AND SCOPE OF THE INVESTIGATION. This should have been delivered to me within five days of requesting. This is a violation. 
The only response I keep receiving is that they have verified with XXXX XXXX the alleged account belongs to myself the consumer. 
Pursuant to 15 USC 1681 ( a ) ( 3 ) Equifax and XXXX assumed this vital role in assembling consumer credit and other information. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) Equifax and XXXX failed to exercise their grave responsibilities with fairness, impartiality, and respect for my right to privacy as a consumer.
Consumer complaint received 2016-03-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Profit Services Group (GA)

I was formerly seeking help at XXXX XXXX University for my XXXX health XXXX at the age of XXXX. I was practically homeless from my mother XXXX By doing so, I have been contacted multiple times by PSG regarding the debt " I '' owe. I have repeatedly asked them to stop calling, and to get in touch with my mother who is financially responsible for me as a minor. As a minor in this situation, I have made it clear to PSG that I was in no way, shape, or form to legally sign such a contract holding me financially responsible for this debt. They claim to have tried contacting my mother, but have not been able to reach her. Therefore, they have unlawfully submitted this to my credit bureaus without my permission ; despite my best efforts in setting the record straight. PSG has threatened multiple times to take this balance out of my bank accounts using my social security number until the balance is zero. I have been called names repeatedly by PSG, hung up on several times, and nevertheless the endless " robocalls '' after I have told them to stop contacting me. PSG has never ONCE " mini- miranda 'd '' me. They have NEVER confirmed my identity with these continuous calls, never have given me my rights to dispute, etc. I took things into my own hands and did research to sue for these calls and the way I have been wrongfully mistreated numerous times by Profit Services Group. I have an attorney and I am ready for further action. I have also sent a dispute to XXXX explaining what is going on with this collection showing on my credit, that once again, is not legally my responsibility.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

The servicing of my loan ( XXXX XXXX ) was transferred from XXXX XXXX ( loan # XXXX ) to Loan Care Servicing ( loan # XXXX ) XX/XX/2016. I made my scheduled XX/XX/2016 payment to XXXX mortgage on time but my new servicer ( loan Care ) is not giving me credit, they claim the payment has not been forwarded as required. XXXX XXXX claims it was sent 2 business days after receiving my XX/XX/XXXX payment. I am now receiving threatening letters and loss mitigation threats to perform by Loan Care. I have contacted both companies and each has not helped, my credit is now in jeopardy even though I have made all payments on time. I am being coerced into making additional payments that are not due to avoid damaging my credit. A 30 day late mortgage payment would have lasting consequences to my credit and cause serious financial damage.
Consumer complaint received 2016-02-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (MO)

I am requesting hardship assistance. However I am being told I do not qualify for any assistance because I received a modification last year. I am also being told I had XXXX repayment plans, this is inaccurate. I requested a supervisor to contact me so that we could resolve the repayment plan discrepancy. But I have yet to receive the phone call. time is of essence i have no been referred for foreclosure action!!!
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (FL)

A XXXX gift card purchased in XXXX XXXX which had never been unsealed until XXXX XXXX of XXXX was denied and we were told it had been removed from their records either because it had been used up by either purchases, fee or because it had expired ( none of which had occurred ) and that unless we could provide time and date of purchase of the card we were out of luck. The receipt is no longer available and was purchased with other items either at XXXX XXXX or XXXX. The card waS FOR {$200.00} so not something we can just say Oh well!
Consumer complaint received 2017-02-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

I received my end of the year statement showing my escrow was overpaid by XXXX because my taxes went down and a check would be sent to me. I called to verify and a rep told me i would receive a check.i called back to check on and they told me i wouldnt get it even though i was caught up on my mortgage. I did a modification where i have to pay XXXX after my loan is paid off which is what covered the modification and made me current. They cant tell me where the XXXX went to.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (MA)

US Bank made a claim that I authorized charges and falsely claimed that they had XXXX ( XXXX ) recordings. I asked for proof that US Bank was truthful with me when they claimed they had recordings, but they did not address this issue. 
The only evidence that US Bank provided was signatures that purportedly matched, but US Bank did not offer any evidence to counter my forensic signature expert.
Consumer complaint received 2015-12-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I had a bank account closed on XXXX XXXX 2015 and I was not notified. As to this day I have no idea why the account was closed or what the issue was. Due to this action by US bank my car, credit cards and utility bills have all not been made and have effected my credit score. The account in questions XXXX The account had no actions on it for a week and had no negative balance. This account that was closed was a direct deposit account for my paycheck. This amount was not taken into US bank and at this point I have not received my wages. US bank has also charged me overly for late and over draft fees for over six years. I have continued to ask for explanation on this and have received none. US bank can not just closed a account without notices to the customer a give them ample chance to change information so wages and bills are not unfairly effected. I have a family and each of my paycheck is needed for housing and food.
Consumer complaint received 2022-08-04
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: JPMORGAN CHASE & CO. (FL)

In accordance with a fair credit reporting act [ JPMCB CARD # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX ] has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-07-27
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Green Trust Cash, LLC (PA)

On XXXX/XXXX/2016, I called Greentrust to schedule a payment to be taken out on XXXX/XXXX/2016. This would have paid the loan off. On XXXX/XXXX/2016 Greentrust did not take the payment out. I called the company. 

I spoke with XXXX who apologized and offer to take a payment over the phone to pay the account off. She told me the account balance would be {$45.00} to pay off the account. She was giving me a credit for the poor service. 
I provided her my card information of which she ask for twice. I received two separate emails confirming that a {$50.00} dollar payment was processed with transaction id XXXX and another charge of XXXX was charged to my account the transaction id number for this payment is XXXX. In addition, my bank shows a pending payment of {$55.00} on the account. I talked with XXXX who said when the company processes payments they use an international system and this may result in charging me extra fees. XXXX seemed not bothered by the fact that the representative ( XXXX ) never disclosed that there are fees before taking the payment. XXXX did not seem bothered by the fact that I have XXXX receipts totaling {$90.00} that may be taken out of my account on XXXX/XXXX/2016. She gave no indication that she would cancel the payments and refuse to do so because she could not verify that bank debited my bank account for a reduced payment for poor service. The staff would rather argue semantics than dear with the fact that there is a payment of {$55.00} pending on my account and two scheduled payments of {$45.00} and {$50.00} to be debited to my account as well. I would like the correct payment taken out. The XXXX separate transactions cancelled as the debt is paid in full and the organization held accountable for not disclosing fees associated with making credit card payments to the account. I want these fees refunded as well.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IN)

Equifax continues to report a Chapter XXXX bankruptcy which was filed XXXX/XXXX/2007, which has been 8 years and 7 months since filing. In addition because there was zero secured mortgage, zero secured debt, I requested that the Ch. XXXX Bankruptcy be dismissed. There was no material or substantial reason to stay in the plan. Both XXXX and XXXX have honored the 7 year reporting standard for Ch. XXXX Bankruptcies, while Equifax has continued to allow this information to be reported causing further harm for employment and housing. On Friday, XXXX XXXX, I was denied a mortgage for a VA loan in spite of the fact that I have primarily student loan debt, little to no credit card, department store or personal loan debt. Debt to Income ratios were all at or above industry standards. XXXX Home Mortgage cited the Ch. XXXX Bankruptcy as XXXX of the reasons for the denial. My credit scores were XXXX Equifax , XXXX XXXX, and XXXX XXXX. As XXXX XXXX XXXX XXXX XXXX Veteran, I believe my wife and XXXX daughters deserve a home rather than paying {$1100.00} rent for an apartment. Please advise as your assistance is greatly appreciated.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MO)

I obtained the student loans originally through XXXX XXXX in 2007. Upon my leaving school I began receiving correspondence from XXXX XXXX for a few years. Each time I asked for deferment I was sent the appropriate paperwork and the deferment was approved. Once Navient obtained my student loan account I requested a deferment, submitted the necessary information regarding wages and living expenses only to continue to receive correspondence requesting additional information. My user information was continuously changed in their system and I was never able to log in to the Navient website to view information they claimed was pertinent to my account. Now I am so far in debt and marks are on my credit report that there is nothing I am able to do to rectify the situation.
Consumer complaint received 2016-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

this company does not verified any dispute, they seem to generate a general letter wait 30 days and send out everything is good. the other agency validated the same account and the results was deleted i was not a member of XXXX until XX/XX/XXXX, but yet they have me owing them in XX/XX/XXXX
Consumer complaint received 2016-05-27
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Big Picture Loans, LLC (GA)

Borrowed {$800.00} from Red Rock Lending, the XXXX was not disclosed and it was 849.0116 %! I had scheduled automatic drafts to come out of my bank account in the amount of XXXX. And after the last draft came out to cover my loan amount, they continued to draft and I have to stop payment on them. This was last year. I have now been harassed by some company called XXXX XXXX saying that I owe XXXX. They are calling my job and people I know. I have no idea how they got their numbers either. They call me 5 times a day. I have never received any formal letter saying about owing money either from either company. The way the company was talking to me was like a scam and when I asked for formal documentation they started to get defensive and said " guess we will continue to call you everyday '' and " good luck ''. I do not find this to be the typical behavior of a credited company. Please help me.
Consumer complaint received 2017-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alpha Recovery Corp (LA)

Insurance company paid the contractual amount. They later sent them a statement telling them the amount was paid and that I owed a XXXX balance. I have a copy of this letter ( sent by XXXX XXXX ) complete with the electronic transfer amount, numbers, etc. Now I am being hounded by debt collectors.
Consumer complaint received 2015-10-13
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (GA)

This loan has a XXXX APR I 'm pay XXXX every two weeks for one year on a XXXX loan I tried paying them off early only to get the run around as if the phone had a bad connection and I tried going online to pay them off and they said I could because I still had two more days before my due date and that I could n't use another debit card to pay off the loan
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (TX)

My wife and I moved from a set of apartments and when we left we paid a relenting fee which took care of us leaving our lease early. We stayed in that XXXX place for over two years and then about XXXX months after we done moved we started to get a collection notice saying we owed for carpet, painting and other misc. Problem with that is the manager did a walk through with my wife and said everything was good and even signed off on it. Out of no where they decided they would try charging us for basically a new apt . Problem is our original lease stated that after a year the carpets, paint and everything else that was normal wear and tear would n't be held against us. I 've tried to communicate with them and they are rude and began threatening. It has been almost XXXX years since we 've left and the collection agency reopened the case to start the process over again like we just left yesterday. The apartments owner was nothing but a XXXX, he refused to make needed repairs and rigged everything. Code compliance was called by us and many other residents and they would still not fix things. It took them XXXX months to repair their a/c system even after being fined. We were forced to move because they moved in a XXXX next door to us and we had a family. Even after numerous complaints and police visits they still refused to evict them because they paid cash for their rent. Crime there was another huge issue. I could go on and on with all the reasons why we had to leave but the point is they are wrongfully trying to collect a debt that is n't owed.
Consumer complaint received 2023-04-14
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. (CA)

I have reviewed my Consumer Reports and noticed that I had SEVERAL late payments on an account that has not been updated accurately. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. The late payments and past due balance reported of {$63000.00} for the account : XXXX : ACCOUNT # XXXX are not accurate. Please investigate and provide Proof with statements showing that these payments were late all late. This account is paid up and is not behind in payments. If proof can't be provided I request these payments to be updated as paid on time since the account is current. 

In accordance with the Fair Credit Reporting Act XXXX XXXX : ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Due to their inaccurate reporting, my credit report has suffered.