davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (UNITED STATES MINOR OUTLYING ISLANDS)

I am writing to express my concerns regarding the handling of my borrower assistance application by Fay Servicing. On XX/XX/2023, I submitted a request for assistance with my mortgage payments, as I was facing financial difficulties due to my recovery from XXXX. I was prompted to submit additional check stubs as requested by a letter received from Fay Servicing. The additional check subs were submitted via email on XX/XX/2023. 

However, on XX/XX/2023, when I called to make a payment, I was informed that Fay Servicing would no longer accept payments from me, despite the fact that I have not been sent a demand letter. I found this action to be particularly troubling, as I have never been afforded an opportunity to pay using their online portal or pay-by-phone options. 

During my attempts to engage with Fay Servicing, I was hung up on twice. I subsequently called back and requested to speak with a supervisor. Unfortunately, the supervisor I spoke with answered in a demeaning tone and informed me that the only payment they could accept was the one that was pending, in the amount of {$700.00}. 

As a result of these actions, I believe that my rights as a borrower are being violated. I have not been given the opportunity to make payments, nor have I received any response regarding my borrower assistance request. It is my belief that Fay Servicing is illegally forcing me into foreclosure by not allowing me to make payments. 

I have also shared with Fay Servicing the challenges I have been facing as a result of my XXXX and my need for assistance with my mortgage payments. However, their response to my situation has been unsatisfactory. 

I request that Fay Servicing take immediate action to rectify this situation and provide me with the necessary assistance I require. I am hopeful that we can work together to find a solution that is mutually beneficial.
Consumer complaint received 2020-04-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I submitted letters to Equifax, XXXX  and XXXX  informing them of inaccurate information being reported on my credit reports. I submitted a letter from the furnisher stating they did not verify the information that is being reported on my credit reports.
Consumer complaint received 2023-02-26
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: FC HoldCo LLC (OH)

This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (CA)

I have used my credit card issued by XXXX Credit to make a purchase at XXXX XXXX. When I checked my credit card activity online I have realized that I have a PENDING charge for my purchase and other PENDING charge from XXXX XXXX XXXX. Please, see below and read the little print that it even EFFECTS my AVAILABLE CREDIT:XXXX PENDING XXXX CA XXXX XXXX $ XXXX PENDING XXXX CA XXXX XXXX $ XXXX Recent activity may not reflect all pending fees and charges*** This transaction is pending, which means it is not yet posted to your account or included in your Current Balance, but it may impact your Available Credit. The transaction should post within XXXX hours. Some transactions amounts may be rounded to the next highest XXXX amountWhat happens is this : the {$11.00} will never show as a balance on my credit card statement. It will go from pending to not showing at all. Someone is using my credit as a short term free loan. How is that possible. How can someone abuse my credit and get some free funds on me. The same thing just happened to my husband purchasing gas at XXXX. A gas purchase and a non-related charge from some unknown company. Please, see the supporting documentation. 

The XXXX XXXX is issued by Synchrony Bank pursuant to a license from XXXX XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX. 

Thank you.
Consumer complaint received 2023-02-26
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. (UT)

Equifax refuses to correct the original errors made on my credit with the payoff date of an auto loan ( see attached ). I ran my credit on XX/XX/2023 and they made it worse not better. Then they decided to update the last reported date to the date they responded to my dispute in an effort to continue to have the information be incorrect. They've been doing this for anything I dispute that's inaccurate that they create problems on no matter what proof accompanies it. The other 2 bureaus have it reported accurately. Equifax is so incredibly stupid and confused that they can't seem to figure out what is right and what's wrong with the info they have on file. They never bothered to go back to the creditor to figure out what they've done wrong, they just say XXXX you debtor you don't pay us the creditor does and leave it on inaccurate. Therefore this is their last chance to fix it. I'm including the creditor too so they can see what has amassed here and why I'm complaining. Going forward this is exactly what I intend to do with all of these stupid credit bureaus who continue to make errors and CFPB DOES NOTHING TO STOP IT!!!!
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (TX)

Account XXXX. I noticed on my credit report the aforementioned account from Chase bank. Chase is reporting this account as a charge-off. Initially, I filed a dispute with the credit reporting agencies. XX/XX/XXXX, I sent a formal request to Chase via certified mail that Chase provide with evidence that I had contractual obligation to the above referenced account. Copy of the letter is attached. 

Chase sent a letter to me XX/XX/XXXX in which they are stating that account was sold to XXXX XXXX XX/XX/2012 and to contact XXXX XXXX for any account records. Upon contact with XXXX XXXX, I was told that XXXX XXXX can not produce any document that this account is mine. I called Chase and relayed the information to them and kept on getting the run around. At the end, the representative from XXXX XXXX. finally stated Chase does n't have any contractual evidence that it can furnish me ... 

Please note the year that Chase is stating when this account was sold, XX/XX/2012 is in the same time period for which the Consumer Finance Protection Bureau took action against Chase for selling bad credit card debt to 3rd party buyers. 

Since the 30 day limit has lapsed since I send the letter and that Chase can not furnish contractual evidence, these erroneous listing need to be deleted from all credit reporting agencies. They are severely affecting my credit report.
Consumer complaint received 2022-08-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo allowed someone to commit fraud in my account four months ago. It ruined my credit. They were absolutely useless and helping. I just received another loan that is fraudulent in the mail. I don't have the time or mental capacity to deal with this again.
Consumer complaint received 2016-10-19
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (MI)

We were offered refinancing due to the Obama Plan through J.P. Morgan Chase Bank. 

My husband and I decided to accept the refinance offer and proceeded with getting the old loan paid off and a new mortgage loan opened. XXXX which were through Chase Bank. 

We were told by a representative of Chase Bank that we had until the XXXX of each month to pay our mortgage. After the XXXX, our mortgage would be considered " late. '' Now, after the first of each month, we continually get calls regarding our mortgage payment. I have told XXXX separate people what I was told by the bank representative. That we had until the XXXX of each month to pay our mortgage and it would n't be " late. '' I asked the people, who were calling from Chase Bank, " Are we late with our payment? '' I was told, " No. '' I said, " Then why are you calling me. '' I then told the callers to please make a note on our account that we pay on or before the XXXX of each month. I was told to call them every month to let them know when I am going to make the payment. I told them, '' I am not calling you every month because you can see that I make the payment by the XXXX of each month. I even told them that I would not answer the phone when they called. 

I continually get more than one phone call per day. 

Could you please make them stop calling me so much? 

Thank you.
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

DiTech Financial is claiming that we 've missed XXXX payments and are proceeding with foreclosure as of XXXX ... .we have NEVER missed a payment. We have talked to them, went through all our payment history, continue to make payments, we are a nervous wreck and do n't know what to do ... we have all the documentation and proof of payment ...
Consumer complaint received 2016-11-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

Ditech Financial has misapplied payments we have made. The assigned representative will not return repeated phone calls. They are now showing us like 4 months past due and I do not find that to be true due to the fact we have made payments, they have just applied them incorrectly.
Consumer complaint received 2017-01-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: A & E Futures LLC (NC)

Additionally, believe it to be a scam and not a real debt. Called me on XX/XX/2017 & left a voice mail at XXXX. Stated it was a XXXX XXXX, a licensed courier for XXXX XXXX re : a court order for XXXX XXXX, last XXXX of the social security # ending in XXXX. Now holding documentation that clearly states to dispatch to residence or place of employment to service you paperwork. However I can grant you the next 48 hours to contact the filing party to obtain your voluntary statement of consent as well as the opportunity to place the stop order on my services. The telephone # to the company is XXXX. XXXX, when calling reference your pending docket # XXXX.
Consumer complaint received 2015-07-11
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (MA)

On XXXX XXXX, XXXX I charged {$990.00} on my Chase Visa for advance services XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, MA. I tried to call and make an appointment from XXXX through XXXX of XXXX and utilize the remaining credit - {$660.00} out of {$990.00}. Unable to reach anyone for months by phone, I stopped by the location and found the owner, XXXX XXXX, in a vacant shop with files strewn everywhere. XXXX relayed to me that her co-workers had rerouted the credit card machine and taken advantage of her absentee management. She had to let everyone go and was closing the store. Her attorney called while I was present and she was clearly distraught. I asked her to look for my file and she could not find it. XXXX days later I called Chase Visa 's fraud department and asked the balance I was unable to use ( {$660.00} ) be removed since I was unable to collect the services. Chase VIsa sent a postcard months after I filed a claim ( attached. ) Chase Visa did not respond to my request until the following XXXX of XXXX. A rep from Chase Visa called and said they had contacted a woman at XXXX XXXX named XXXX who claimed she could honor the charge. In XXXX of XXXX, I went by the store and explained I had a remaining credit from prior management. I asked her to consider crediting the amount as I did not want to patronize the business, but she would not. She issued me a gift certificate for {$660.00} XXXX attached ). The next week, I called to set up an appointment. I got no answer. I dropped in person by again and a huge sign stated " Closed for Good '' was posted on the door XXXX attached ). I called Chase Visa fraud on XXXX XXXX, XXXX and told them there was no one to honor the charge. I sent a photo of the closed store and a picture of the gift certificate I was unable to redeem. On XXXX XXXX, XXXX Chase sent me a letter saying the charge would be honored and I had to pay the {$660.00}.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

My LLC called XXXX XXXX, XXXX filed bankruptcy, signed a Stipulation with Chase, and successfully got out of BK, on XXXX XXXX, 2014. Chase refuses to follow the orders of the XXXX Court. They refuse to honor the split or bifurcation of the loan in XXXX parts, a secured part and an unsecured part. Because the unsecured part had a Court approved dividend of 2 %, which is very low, Chase made a fraudulent XXXX stating that they cancelled the unsecured portion of the loan. They are defrauding the IRS with this false " credit '' for their tax return, and defrauding me by stating that I have to pay Income taxes on the so-called Cancellation. XXXX XXXX XXXX. E-mail : XXXXXXXXXXXX. My mailing address is XXXX. XXXX XXXX. XXXX XXXX, CA XXXX Chase Loan number XXXX Property address ( but not mailing address ) XXXX XXXX XXXX. XXXX XXXX, CA XXXX ( Loan has supposedly been sold to XXXX, but is still serviced by Chase ).
Consumer complaint received 2015-04-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC (FL)

This company has been very aggressive and have threatened to take legal action with lawyers including garnishing my wages, they gave me recently a deferment that I did not request, I called them last week to scheduled XXXX month over the phone and they wanted to charge me a fee to take my pay over the phone, I said that I will mail it them because I do n't want to pay more fees, they got mad at me and start threatening me again because they have already given me a deferment and I had to pay over the phone, I already put the check in the mail but my phone wo n't stop ringing. They can sometimes more than XXXX times during the day. This has happened many times, and even though we have been late with some of the payments, it 's my intention to pay, I have never denied payment, these people are very aggressive and rude and they and they have to stop
Consumer complaint received 2023-02-26
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not know this account
Consumer complaint received 2017-01-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

I have made XXXX prior complaints against Chase regarding my mortgage situation. However, since my last filing of complaint it has come to my attention that Chase is moving to foreclose on me, even though I am in an active trial payment plan agreement with them. As I stated in a prior complaint, I contested the way that Chase calculated my payment plan, however, I 've been making payments on the trial payment plan anyway, and they have been accepting my payments and cashing my checks. However, this past weekend I received a solicitation mailer that suggested that there is a foreclosure scheduled on my property for XX/XX/2017 and I confirmed this online with XXXX XXXX County Public Trustee office. I also contacted the executive office of Chase, and the representative confirmed that my Trial Payment Plan is in good standing, and also confirmed the foreclosure scheduled for XX/XX/2017 which the representative acknowledged that they can not do, and he would send a message to XXXX XXXX to return my call. However, multiple messages to speak with XXXX XXXX ( Sr. Legal Specialist ) have been sent and she has never returned my call, stating that she will only speak with an Attorney and even though I am representing myself in all matters, she still wo n't speak with anyone but an attorney. Therefore, I 'm unable to speak with Chase about anything on my loan, and up to this point although the CFPB has forwarded my complaints to them, they to communicate with me, my authorized representatives, and even a member of Congress. Is this what happens when someone does n't agree with Chase, they lose their home?
Consumer complaint received 2017-02-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (PA)

I am writing this complaint in hopes someone can help me. Green tree bought my loan off of XXXX which is now Ditech. I was late by XXXX days they started XXXX my phone day and night ... constantly..I asked if i could do a modification because I was going threw a tough time they said oh sure, no problem..i got everything gathered up that I needed and faxed it, they said they never got it, next day same deal i fax and they started to ignore me, stating they never recieved it, this went on for XXXX weeks. as i was keeping the fax confirmation stating it went through, They ended up denying me for a modification, harassing me to get out and would ask me if i wanted to keep the property. I asked them what my options were since the modification did n't work out they said i could do a deed in lue ... asked them exactly what that was..they said a short sale. I needed to remove everything from the house, not even a coat hanger left in the closet and i would be approved for this for sure. So I did, moved everything out that weekend ... Called them monday to let them know and the phone calls stopped and could not get ahold of them. Kept trying and trying and nothing. Finally got ahold of someon who would talk to me, said i was denied a deed in lue! after i did what they said moved everything out ... they denied my modification and now this. I went back to the house only to find a lock on the doors and can not get in. They got what they wanted me out with denying me modifications or this deed in lue. Its been over a year and they keep sending me statement of how much i owe them and they have since put insurance on the property saying i owe that!!!! 
I delt with harassing phone calls day and night from these people ... .for months, did modifications that i was denied only after i faxed them XXXX times and told to move out and do a deed in lue, did that,,, ,denied ... .then they lock the doors and send me more papers to do a modifcation..someone plz help!
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX which has recently " verified '', EXPERIAN & XXXX are all reporting a collection account, XXXX XXXX XXXX XXXX, AKA XXXX XXXX XXXX XXXX, ACCT. # XXXX IN THE ESCALATED AMOUNT OF XXXX DOLLARS FROM THE ORIGINAL AMOUNT OF XXXX DOLLARS ... .THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX AKA XXXX  XXXXTHE ORIGINAL CREDITOR HAS PERPETRATED " FRAUD '' in my case ... ..I ordered water service at a XXXX sales signup inside a XXXX store.What I signed up for was a XXXX dollars per month service.What I received was substantially higher on the 1st bill, which were surcharges undisclosed to me in the sales presentation ... ..I spoke to XXXX on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made 3 different appointments to come pick-up their equipment and were no-shows all 3 times.The machine/dispenser sits in my house to this day ... they obviously do n't want it. What XXXX /XXXX XXXX wants to do is perpetrate fraud and 1 ) overcharge on their service,2 )  '' sell me '' their equipment I do n't want, and 3 ) ring up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country. So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE O.C. the organizer of the fraudulent financial scheme.
Consumer complaint received 2017-03-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

I have submitted a Complete modification package to Ditech and on XX/XX/2017 I was denied. I do not agree with the denial letter due to incorrect Income. On XX/XX/2017 i submitted a appeal and request for a second review of which was properly sent and received. I do not agree with the modification decision and my denial letter states that i have the right to appeal the decision within 30 days of the denial letter. I have complied with all the terms of the denial letter and have submitted my appeal to Ditech, however Ditech have not responded to the appeal and have purposely disregarded my loss mitigation assistance appeal and are proceeding with the foreclosure of my home on XX/XX/2017.