davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc (CO)

I was attempting to make a {$10.00} purchase through PayPal. Once the transaction was completed, I received an email stating " Welcome to PayPal Credit ''. I immediately ( same day, within an hour of receipt ) called PayPal Customer Service who informed me that this was a line of credit that had been opened in my name and that PayPal had completed a hard credit inquiry to open the line. I informed them that I had not authorized this inquiry and had no interest in the line of credit. They informed me that the inquiry was completed and there was nothing that can be done. A quick XXXX search on this issue turns up numerous sites and forums of others who accidentally ended up with inquiries related to a PayPal Credit Line when they did n't want such a credit line. I am an extremely credit-conscious consumer ( credit score over XXXX ) and feel scammed and defrauded by the lack of transparency experience here. Thanks in advance for any assistance you can offer.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (TX)

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
Consumer complaint received 2016-02-10
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (PA)

I commissioned a XXXX on XXXX/XXXX/2015 through XXXX. The XXXX was to agree to my terms, and even replied with his acceptance : The XXXX submitted several mock ups, however - in agreement with the terms, I stated my disagreement with how the XXXX was handling the piece. The XXXX has received a XXXX $ pay, and will not respond via deviantart note, email, or other. He completely ignores me, and has not sent a mock up in two weeks. Below is the copy/paste of the note from the XXXX : alright, that seems fair as it is also the standard practice. 

-XXXX no less than 1 per week -whole body shot -half of XXXX following the first image and the last image. 
-your email : XXXXXXXXXXXX -my email : xxxxxxx all sounds good to me see you there at the web-based email service.
Consumer complaint received 2015-11-02
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain, in a public forum, why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via XXXX or XXXX, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

My fianc and I our recently refinanced our mortgage. We are both 100 % owners of the home. We both signed all of the paperwork together. We are both 100 % liable for payment of the loan. 

The new loan was immediately transferred to Green Tree for servicing. However, for whatever reason, only one our names is showing up in the Green Tree system. Green Tree personnel refuse to talk - or even deal with - the other person on the grounds that they are not authorized on this account. 

We 've taken steps to try to correct this error and get both our names into the Green Tree system. We 've made phone calls, sent them written statements, and even faxed over supporting documentation such as the Promissory Note, the Deed of Trust, the HUD-1 which clearly shows the loan should be in both our names. 

To date, we 've received no respond at all from Green Tree on this issue.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX To Whom it May Concern : XXXX, TX XXXX Equifax XXXX, GA XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

The property taxes from my escrow account were not paid to XXXX XXXX, NC, for the year 2015. I have called Ditech twice for a resolution and they still have not resolved the issue even after 2 months from the first phone call. My name and address have been posted in the local newspaper stating that I have not paid my taxes, resulting in a defamation of character, even though Ditech is at fault for failing to pay the property taxes.
Consumer complaint received 2016-05-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ECMC GROUP, INC. (IN)

A hold was placed on my checking account this afternoon for {$5100.00}. I contacted my bank, XXXX, and they named Premier Credit of XXXX XXXX and Indiana Department of Revenue as the parties requesting the hold. I had not heard of Premier Credit of XXXX XXXX before, and because I pay taxes I 'm familiar with XXXX. However, I was shocked to learn that there is a claim for that amount of money, and even more shocked to have found out by not being able to access the funds in my bank account. I did not receive a certified letter, a notice to appear in court, a day in court, nor was I served papers, or anything similar that could prove that I was provided with communication regarding whatever is going on. According to XXXX, they received a court order and have to comply - my question is where is MY copy of said order? Why do n't I have the order? How is it legal that a XXXX is afforded due process, but I 'm not? I 've been paying taxes since I was XXXX years old, and my income continues to rise, which means the amount that I contribute to this state continues to increase - along with my property taxes. I am extremely offended by this miscarriage of justice. Why is it legal to take money from a bank account without advising the account holder in advance ( certified notification )? Furthermore, this money is not owed, which I will have to spend my time, taking away from my husband and XXXX young children, during the next several days/weeks/months resolving whatever this is all about. However, my issue right now is not whether I owe a debt for {$0.00} or a XXXX dollars - the issue is how is the practice of seizing bank accounts over an " assumed '' debt without providing prior notification or even dispute resolution legal? Where is my due process? Where is my day in court?
Consumer complaint received 2016-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

This is my third complaint against Ditech Financial LLC regarding Account No. XXXX. On or about XXXX XXXX, XXXX Ditech, for the first time since XXXX XXXX, acknowledgement their own Reaffirmation Agreement, the change in contract terms, including payment and interest rate. However, the letter ( attached ) indicated a past due balance of {$2500.00}, agreeing to discontinue collections, and place the past due amount at the end of the note. We have since sent another letter to all credit bureaus and Ditech providing evidence of payments in excess of those amounts due for years XXXX through XXXX. 
On XXXX XXXX XXXX, I spoke with XXXX XXXX, Director of Customer Service, who promised to get to the bottom of our problem On XXXX XXXX, XXXX a Ditech representative contacted us and said the account was corrected, no longer past due, and the credit bureaus had been corrected as of XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, XXXX, XXXX, XXXX we received collection calls from Ditech for amounts past due. 
On XXXX XXXX, XXXX we received a certified letter stating we were in default, and had 20 days to pay in excess of {$2500.00} or be in default of our note. 
Clearly, Ditech has no accounting department, or very inept personnel who can not maintain accurate records. I have personally maintained a spreadsheet of every payment since the date of Reaffirmation in XXXX, XXXX, which is attached. Unless the CFPB can assist with this ridiculous creditor who can not obviously maintain accurate records, I am not faced with pursuing legal alternatives since we are obviously out of options. We appreciate any assistance you can provide since we are obviously on daily collection calls again even though we have multiple letters to GreenTree / Ditech to cease and desist all calls to our cell phones and employment. The attached spreadsheet identifies the collection efforts in the last few weeks. Thanks you, XXXX XXXX
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Hello, I have serveral problems on my credit report related to issues of mortage lenders buying from other mortgage lenders but not taking over the customer information amicably so that all ACH direct deposit was lost as well as actual physical address to send information to regarding new lender company. This is related to Green Tree taking over from XXXX XXXX XXXX ( formally XXXX ) and Ditech taking over from Green Tree. On both occasions issues caused me to go into default or have delayed payments because I did not even know the loan companies were now being taken over by another loan company. By the time I noticed my mortgage payments had not been withdrawn from my account I was late paying after spending hours and hours and hours on the phone and e mail to correct the incorrect information they had on file for me. In the case of Green Tree they were sending the new information to a work out gym in my city! The same thing occurred with XXXX taking over from XXXX XXXX. They also lost the ACH and customer information or did not ever receive it from XXXX XXXX. This also put my account into delayed payments. 

Finally after spending 2 years trying to remove these late payments on my credit report I have still not succeeded ( I spent XXXX dollars trying to get help from XXXX XXXX who send out form letters that did not help at all ) in removing these from my credit. 

To make things worse I also had to change bank accounts due to fraud so I set up all my auto payments on a regular website based account change for everything from water to electric to health insurance etc. but the ONE that did not work was Ditech of course! I received an e mail saying " thank you, you have successfully set up your automatic withdrawal with Ditech '' but it did not work so I called and called and finally got a manager who agreed to give me her e mail. She and I exchanged e mails over the course of two weeks during which time she could not figure out why the system would not update my new routing and checking number. Finally a colleague of hers managed to do it she said and so I thought all was well! Of course it was not and I found my account was seriously overdue while I was XXXX and did not look to see if the account was being withdrawn from. When I returned I did pay in full but again I was accused of being at fault for being late on my payments. I still have not managed to get their stupid site to work to update the information but I did record the manager reading back my routing and check number to be sure she did not mess up this months payment. 

All I want to do is to have my payments on auto withdraw and not have to worry but I have spent now 2 years trying to get this off my credit report and at the same time trying to get their faulty website to upload my new data. 

I am at the end of my rope. 

Please assist me. 

Thank you very much.
Consumer complaint received 2015-12-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

I was in the XXXX in the month of XXXX XXXX first time since XXXX while in the XXXX XXXX, my mortgage was scheduled to come out of my bank account electronically, XXXX store did an EFT from a check i wrote AND deposited the check, and XXXX send my mortgage payment back to CHase FOR NSF. As soon as I found out I called Chase in the SAME month XXXX XXXX and explained I had documentation from XXXX and XXXX XXXX XXXX. The rep from Chase told me to just make XXXX payments in XXXX! I called on XXXX XXXX to make XXXX payments and CHase withdrew the funds AGAIN on the XXXX without any explanation, then reported my mortgage over 30 days late for XXXX! I monitor my XXXX score and it dropped it over XXXX points when I had NEVER been late on a payment of any kind in my life! I was going to sell my home in XXXX and closed on XXXX prior to selling I was told by Chase also that XXXX had to rent for at least a year before ANY lender would back me because of the 30 day late/CHase and faulty info given to me. CHeck my credit I have never been late on ANY payments EVER, had been a suscriber to XXXX for years, and had worked hard to maintain my above average credit. ( XXXX prior to my home purchase for my ill parents ) Thanks to CHase bank, I was naive, believed them and ended up renting from a SLUMLORD! I WANT MY GOOD CREDIT BACK! I have always been single and always financially independent and just XXXX person with ill advise from Chase literally ruined my life, at least the remainder of it. In addition, XXXX XXXX XXXX covered the additional mortgage payment Chase took out the next month in error, with my credit card..then proceeded to do a review of my credit, dropped my credit limit by {$5000.00} and which then reduced my score even more, ( made it look like i was OVER my credit limit! Trying to feel blessed ... and know I am .Happy holidays, moving AGAIN!
Consumer complaint received 2016-03-14
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Tate and Kirlin Assoc (KY)

We have XXXX issues here, XXXX they CONTINUED mail me letters after receiving XXXX WRITTEN requests via email ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ). Also, though not legally standing -- I VERBALLY requested twice to cease communications. The XXXX issue involves who the mailings come to as they are addressed to my former name of XXXX XXXX. I asked agency to send them to new name, old name XXXX new name, or new name XXXX old name as I REFUSE to open mail for someone who LEGALLY does NOT exist anymore. NOTE THAT I HAVE SENT THE LETTERS BACK VIA RETURN TO SENDER. I totally grasp that regardless of my legal name then and now that IF these debts are valid, I am legally responsible for them. They may argue that my requests were invalid because they did n't respond to emails and emails possibly went to wrong party. However, any REPUTABLE company would forward collections related emails to the right department. By the way, any REPUTABLE person would understand that it 's a federal crime to open mail that 's NOT legally addressed to you ...
Consumer complaint received 2015-08-17
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (CA)

It first started off when my XXXX was compromised and had to set-up a new password with XXXX-step authentication. However, during the time my XXXX was compromised there were multiple changed to my accounts and learned my lesson for not having most of my passwords the same. I was able to take care most of the issues, but the biggest one was from PayPal Credit/Bill Me Later. Someone purchased something on my PayPal credit card for {$1900.00} to a company called XXXX in XXXX of 2015. Following suit I disputed the transaction, but it was soon to be denied. I then tried again, but once again was closed. I contacted them why, but they kept on telling me that I did not win the case. At this point I really just need a refund as my credit card does n't even have a regular balance for {$2000.00}. I was told there is nothing I can do except contact the merchant for a refund on this issue. I went ahead and explained this issue to the company, XXXX, and they denied me also because their product they sell is non-refundable. I kept going back and forth with XXXX through email because their phone is just automated and PayPal through phone. Nothing has gotten through to them and this has dragged out to XXXX months now. I never felt this vulnerable before and terrible customer service from managers on both sides saying things like " Here is the short version, you purchased an online product knowing that it was unrefundable. Please know that no refund will be given and no further communications with us regarding this is needed as the answer will be the same. '' I was hurt to hear this and reading it seemed very hostile and saying that I authorized this purchased when I did not. Please help me if possible. 

Thank you, XXXX XXXX
Consumer complaint received 2023-02-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PDQ Services, Inc. (GA)

My medical insurance handled there portion and left my account with a XXXX balance ... .my insurance was changed and then this collection company appeared on some charges I was never made aware of after the insurance took care of there responsibility.
Consumer complaint received 2016-08-13
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (CA)

I have made multiple attempts to pay this bill online using a number of varying combinations of the client account and zip code information that was provided to me on the notice I received dated XXXX and am getting a error message stating that the CUB and/or zip code is invalid. 

Pursuant to the grossly inaccurate account and customer information provided to me by this organization for use in employing the advertised on-line payment options on the notice dated XXXX, it would appears as though this organization is actively and knowingly employing deceptive and misleading business practices that are not in compliance with the XXXX Fair Debt Collection Practices Act. 

Furthermore, during a conversation with an agent on XXXX/XXXX/16 when I stated that I was intending to pay online, I was solicited to provide credit card information over the phone to the agent rather than pay online and was told that sending a payment by check would not satisfy the amount due as interest was collected each day. 

In order for customers to fulfill their obligation in a timely manner and prevent any further interest or derogatory actions, organizations must provide customers with the correct identifiable information by which to employ the advertised payment options methods. 

When I sent an email to the advertised address on this organizations website as a formal request for the organization to provide me with such information for use in paying the account balance online and without any further delay, it was rejected.
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC. (MO)

I received a letter from XXXX dated XX/XX/2017 that Account from XXXX XXXX has been removed from all national credit bureaus. I then received a collection notice from Afni dated XX/XX/2017 in reference to the same XXXX account XXXX which has now been added to my credit report like it 's a new debt which is not legal. It is affecting my credit once again after it was removed prior to Afni purchasing it the same month XXXX sent my letter of removal. How can Afni send me a collection letter dated XX/XX/2017 and XXXX send me a removal letter dated XX/XX/2017. The dates is not adding up and I want Afni to remove this off my credit report!
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (IL)

This company, AFNI , Inc., has added a collection to my credit report. I have disputed this account with this company in the past after they added this identical account to my credit report a few years ago. I have explained that this account was a result of identity theft, filed a claim of identity theft with the FTC in the past and added an alert to my social security number after this incident occurred. The account was then removed but the creditor has again added it to my credit report.