davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NV)

Hello good afternoon I have reviewed my credit report from Experian as of today XXXX XXXX, 2016 I 've noticed that there is a reinserted deleted account from : XXXX company This account has been deleted previously from my experience credit report by law they can reinsert the collection account into my report they have n't gave me any notice about it They are breaking and violating too many laws from federal to collection protection act
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NC)

Experian is taking too long to respond. My husband and I requested an investigation of some of our credit accounts back XX/XX/XXXX. To date, we have not received any response from Experian. We do n't know why its taking so long.
Consumer complaint received 2016-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I stop paying my mortgage so that i can become illegible for mortgage reduction for a couple of months and that was about XXXX or XXXX, however i have trying contacting the bank and no resolution, except they say it takes seven to remove any negative report. I would like this report removed because i am never late and would like to try and pay off my mortgage in 15 years instead of 30 years but this negative report is in the way.
Consumer complaint received 2015-09-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ray Klein, Inc. (CA)

XXXX XXXX XXXX XXXX in XXXX, XXXX - XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX performed services that were stated as covered under XXXX insurance only to receive bill of {$440.00} afterwards. Contacted attorney who wrote to this company asking for verification of charges be faxed to attorney 's office which was never done. One year later debt is now turned over to Professional Credit Service at XXXX. XXXX XXXX XXXX XXXX XXXX for collections.
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX has a credit card balance on my profile that is not mine. it was a closed credit card of my relatives that i had a authorized card. however i asked that the account be closed and to take the card off my profile since i am not the master owner of the card. 
XXXX XXXX
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

I had an issue with my credit profile so I called customer service at Equifax, I was transferred oversea 's to a speak with one of their customer service reps. I told them that there are a few credit cards that are not reporting on my credit report. I explained to Equifax that they are the only credit bureau that those credit cards not showing up on. The customer service rep said she would take care of it. I am in the middle of getting a new mortgage when I was alerted to this mind blowing actions this customer service rep did to my credit profile. I repulled my credit report today in disbelief what that customer service rep did. She removed my current address and replaced them with XXXX addresses that do n't belong to me, she added a tax lien tradeline on my credit report that does n't belong to me. She basically destroyed my credit rating in a single day. I want my credit profile back that I had several days ago. I am about to blow the top of my lid off and file a lawsuit against Equifax if this is n't taken care of ASAP.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from Equfax. When I got my score XX/XX/XXXX it was XXXX XX/XX/XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them ( XXXX.. ) This bill is showing as XXXX year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling XXXX again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Equifax and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX XX/XX/XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a XXXX balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (VA)

1. Referring to Complaint # XXXX, Seterus admitted wrong doing with their statement " When an escrow account is created for the disbursement of property tax and/or hazard insurance premiums, an escrow payment is to be created to repay the disbursements. However, XXXX did not create a regular escrow payment. Please be advised that we are unable to explain the actions of XXXX while they serviced the loan. ". 
2. When Sterus can not explain the actions of XXXX, Seterus has the responsibility of obtaining the explanation from XXXX before creating an escrow account. They failed to do it. 
3. The {$0.00} is simply due to round off to higher dollar when I make payments, instead of {$1800.00} to {$1800.00}. It has nothing to do with any escrow payment. 
3. Calling a non-escrow account an escrow account is a deceptive practice. Seterus can not produce a letter from XXXX to confirm it is an escrow account, because XXXX will not say it is an escrow account. 
4. XXXX simply put the amount in an account that will be part of pay off amount. The mortgage is principal and interest payment only. 
5. XXXX sent me a letter stating that the terms and conditions remain the same after transfer to Seterus. But Seterus violated those terms and conditions.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (OR)

Used AnnualCreditreport.com got to the point where the XXXX companies give your score and not one actually gave me a score. I was able to attain my report information, but have no way of knowing how that translates into a score number. The first company failed, which i find convenient since they offered to give access to my score all year for XXXX, the second gave me my report but no score, the third was similar to the first. All of them have errors giving free scores but not when you purchase them? This is a shake down. I am looking into further legal action and researching how many other people have complained of this.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (WA)

I sent a certified letter to XXXX, and Equifax disputing inaccurate information on my report. All XXXX agencies received the letters as I have copies of the return receipts from USPS. Equifax and XXXX have not responded to my dispute which was mailed on XXXX XXXX, 2016. It has now been 56 days since I sent the letters.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

XXXX charged off my account in XXXX 2015 but the account continues to show up as a new delinquency each month since. I have tried to address this with Equifax, but was told the debt is valid and can report every month as delinquent even though the status is charged off. I am trying to rebuild my credit and unable to make progress with the account being reported as delinquent every month.
Consumer complaint received 2016-10-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NJ)

Seterus took over my loan from XXXX XXXX XXXX in XX/XX/XXXX ... Since then my wife and i declared Bankcrucy XX/XX/XXXX it was final.. I was 2 or 3 months behind on the mortgage do to lack of work ... XXXX XXXX XXXX gave the mortgage to this Bad company!! I have been trying to refinance my mortgage since XX/XX/XXXX but to no luck! Steers just keeps telling me to send the same old paperwork in and ask me if i want to get ride of the house.. Since it worth more then i owe!!! CAN SOME ONE HELP ME!!!! This is a joke and a run around!!!!! I have been paying the mortgage and giving extra money .. I am on a forbearance Never heard of this before!!
Consumer complaint received 2015-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (CA)

I terminated my lease at an apartment i lived at due to them not responding to sanitary reasons and they sent to collections with Hunter Warfield. I have sent XXXX letters of dispute to HWarfield with no response. They want me to pay the balance of the lease in full and i refuse to do so.
Consumer complaint received 2016-08-18
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Meyer & Njus, P.A. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX encourages questionable practices from debt collectors because they get XXXX for each claim whether it is true or not. they have questionable practices and my attorney XXXX XXXX stated that since this was already registered on my credit report as a judgement they can not take the case. XXXX XXXX XXXX employed Njus Myeres who constaly called at odd hours and threatned to put a lien on my house when I paid XXXX. IT is documented that I paid and noone wants to provide my statements! XXXX XXXX XXXX XXXX or this Njus Myers. The judge did not get proof of my statements and the ignored my letter that was sent before the summoned date since the debt was under XXXX. What kind of practice is this!? And when you are in front of a judge you can not even speak because they are in cahoots with the debt collectors.This debt has been paid. How do you have a corrupt judge just stamp a judgement without proof I want my statements dating my last payment of XXXX now from XXXX XXXX XXXX XXXX XXXX XXXX and Njus and Myers from XX/XX/2010 to XX/XX/2010
Consumer complaint received 2015-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PDQ Services, Inc. (GA)

I contacted PDQ on Several occasion asking them to provide me with proof that this is my debt. I do not owe this debt and they continue to report inaccurate information on my credit file. I sent PDQ a dispute letter on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and now XXXX XXXX, XXXX and they still have not complied with my request. I need you to assist me in getting this matter taken care of.
Consumer complaint received 2016-05-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (ME)

My name is on a mortgage still owned by by ex-wife. She did not receive notice of a change in escrow. Her payment was on time but was short by {$140.00} dollars and late only until the error was noticed ( about two weeks ). The bank refuses to remove the " over 30 '' hit to my credit report. the over 30 hit on my credit is making it impossible to refinance my new property which I need to do by contract before XXXX 2017. Her payment was on time and has never been missed. She did not receive notice in change in escrow and therefore was short by the increase in escrow change. The payment was on time and the " over 30 '' hit on my credit will make it impossible for me to refinance before XXXX 2017, causing me severe financial harm to me and possibly the loss of the building which was owner financed with a 2 year window to refinance.
Consumer complaint received 2017-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Experian is refusing to investigate credit inquires listed on my credit file Accounts named : XXXX card. XXXX. And XXXX All were not authorized by me Experian rep stated to me via phone call, that creditors that due business with Experian have the right to pull my credit at anytime without my authorization per FCRA
Consumer complaint received 2016-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (TX)

Quicken Loans Inc . 
Account # XXXX XXXX XXXX ( XXXX ) XXXX 2016, I had my insurance change my policy to lower my home owner policy. 
This lowered my payment, the insurance company refunded me {$52000.00} by check and I forwarded the check to Quicken Loans as request by them. They sent notice of shortage in my escrow account. They requested a payment of {$470.00} or {$1000.00} ( monthly ) from {$960.00}. I called Quicken Loans spoke with supervisor ( XXXX XXXX ) on XX/XX/2016, who forward a request to ( XXXX XXXX ). After several phone calls from her, we agreed to leave the payment the same till a review in XXXX. This agreement was due to lower insurance rate, taxes and the mortgage insurance would fall off in XXXX and all accounts had been paid for the year. 
I was notified XX/XX/2016 my payment had increased to {$1000.00}. 
After email to XXXX XXXX, she replied I misunderstood that such was not the case, and they would review it again in XXXX. I would have to pay the {$470.00} to escrow or make the Payment of {$1000.00}. 
There is no justified reason for this request ... .. 
XXXX XXXX.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AZ)

I initiated a dispute with all three credit bureaus regarding XXXX XXXX credit card account XXXX. The investigation came back as verified, however I did not ask for verification that the account was mine, I asked the CRA to verify the date of first delinquency being that there is conflicting information for this account as to when the first delinquency occurred ( see attached report ). This account is approximately 7 years old and should be deleted from my credit file.
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

In XXXX had several student loan with XXXX which were in repayment for years. Because I could n't meet the minimum payments my loans were transferred to numerous of collectors. I continued to pay my loans via these collectors who harassed me day in and out and realised my meager payments were n't helping the matter and ceased payments. Fast forward 7 years later i am now being sued by several collections law firms for an astronomical amount claimed to be owed by me. The accounts were charged off/ closed in XXXX and navient has recently updated information on my credit report stating my last payment was in XXXX which I have requested proof of, and have yet to receive. I do believe i am a victim of unfair practices. None of these firms have provided the requested documentation of all credits and debits made to this account. navient is constantly changing the amount of days past due on my account which is inaccurate and dishonest. these practices are unethical and must be stopped. thousands have been paid back and i am being held responsible for more that twice than what was borrowed and paid. furthermore the statute of limitations placed on private loans have come to term and is being ignored.
Consumer complaint received 2015-09-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (FL)

This is a follow-up to case # XXXX. I read over all the bank had to say. What they forgot to mention is that they had put up the house for sale a week prior the court date. They listed our home one week before the court date that was established to cancel the sale. This is what I 've been trying to explain to the courts and the appeal courts, but it 's like they 're overlooking this.
Consumer complaint received 2016-01-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: M&T BANK CORPORATION (FL)

I currently have a vehicle loan with M & T Bank for my 2012 XXXX XXXX. Due to some unforeseen circumstances, my autopay was kicked back and I missed 3 monthly payments. My car was repossessed and since the morning it was taken, I 've been trying to make a payment to get it back. First I was told that the bank had n't received confirmation of repo and they would call me when they did ; that call never came. I called to get a balance due, including repo fees and still they had no definitive balance. Again, I awaited a call back that never came. Since then, I have called more than 10 times in the last 3 days to no avail. Now the bank is claiming that they can not give me an amount until they have the title of the vehicle because they are the lien holder. I do not have the title, it was registered with the state of Florida upon purchase and the bank is in fact listed as the lien holder. My vehicle has been moved to an auction house and I have yet to get any solid information on how, when, or where I can get my vehicle. I have the money to pay but this is absolutely ridiculous. Every time I call, I get told I ca n't be given a payment amount because if I bring the account up to date, they have to return my vehicle and they do n't want to do that in fear that I may sell it and they lose their money. I 've had this vehicle for 4 years now with no intention on selling. I purchased it with my hard earned, XXXX XXXX XXXX XXXX paychecks and to be toyed with is absolutely embarrassing and disappointing. To add insult to injury, the late fees assessed by this bank exceed the past due amount and have been dragged from a previous late payment and increased each month. I also am expected to pay the storage fees for days my vehicle was at the repo facility because the bank failed to request the balance and relay it to me in a timely manner. This is outrageous and unsatisfactory.
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

We purchased our home in XXXX. Since then we have made our monthly mortgage payments ontime. We also have made additional payments every month and specifically asked for those payments to be put entirely towards principle. Every month we have had to call the company directly and speak to a representative because they have not followed our instructions. The company has allocated the additional payments to their own desires.
Consumer complaint received 2016-12-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (CA)

I called to put a simple travel notice on my account and ended up being placed on hold XXXX different times and ultimately having my account locked when I leave for vacation tonight. Ally will not transfer or release any funds until their fraud team calls me back in XXXX hours- which I wo n't be able to accept as I will be abroadXXXX took XXXX mins to offer this service to ensure I can get access to my own money. Ally abused it 's power to hold my money and inflicted great personal harm on me with this delay and lack of access to my funds.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I had XXXX mortgages transfered from one servicing company to another. They were transferred from XXXX to DiTech on XXXX XXXX 2016. Upon transfer ( for both mortgages ) the very first statement I received from Ditech showed a past due amount for my XX/XX/XXXX payment. My XX/XX/XXXX payment was clearly made to XXXX. When I called DiTech and pointed out that the very first statement they sent me showed two months owed they said they had not received the appropriate documents from XXXX to credit my XX/XX/XXXX payment. It is the legal responsibility of servicers who transfer a mortgage to send this information. It is also an obligation of the servicer who receives a mortgage to have accurate statements BEFORE demanding funds, charging late fees, and in this case referring the payment to a credit collector.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

Ditech Financial LLC XXXX informed me by letter on XXXX XXXX 2016 that my XXXX 2016 mortgage payment received XXXX 2016 was returned unpaid. 
In fact, my payment are all made electronically from my checking account. All payment XXXX, XXXX and XXXX were made and all cashed by Ditech according to my Bank. My Bank account statements all show all payments to Ditech made and cashed and no returns. Since XXXX to date XXXX 2016, I have provided Ditech with faxed images of all the checks they cashed and my bank statements reflecting my good faith payments and no returns by Ditech. To date, this issue is unresolved and I am begin to suspect a mortgage scam possibility of an artificially created late payment by Ditech Financial LLC. My Ditech Mortgage Company monthly statement show no such problem.
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (TX)

Home was damaged by hail, insurance adjuster paid for new roof as well as damage to other structures and items on my property that was also damaged. Mortgage company will not send me the money back for damages to my personal property, its not collateral, mortgage is for the Home only, not any other property, Mortgage company has no right to hold money for something that is not collateral. its not up to them if I replace a gazebo or not.