davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Greentree Mortgage Servicing, I originally had my mortgage with G.M.A.C. Greentree took it over and it 's been a nightmare ever since. I get behind and they wo n't accept my payments. Yesterday I tried for several hours and got stonewalled, insulted, treated horribly, they even threatened to liquidate my home out from under me. I also get ripped off by their {$12.00} speedpay to pay over the phone. I attempted to pay {$1100.00} that would be XXXX Mortgage payments and they flatly refused to accept it. Their word was unacceptable. They wanted {$1500.00}. I received a letter from them that stated they would accept that if paid in 30 days. I told them this on the phone and she /they said to bad we want more. I struggled to get that paid within the time allotted. They said they were their to help me which I knew was XXXX. They wanted a loan modification. Being as I 'm not stupid and they would screw me either way I sent a {$1100.00} to their South Dakota address after being told by another XXXX of their lying reps to send it to a XXXX address. I said to him that 's not going to happen and hung up. I sent the check to a post office box with a return receipt requested. The young lady at the post office stated they put a notice in their ( greentrees ) P.O. box and they have to sign for it right there. It cost me {$19.00} to do that. It would have cost {$45.00} to Fed Ex the check overnight. They will now have it on the XXXX which technically is past my 30 days to pay per the letter I received. I tried repeatedly to pay what they requested over the phone on the XXXX and they said too bad. That 's the way it is. The female actually said to me the first one to hang up loses. I put the phone down and walked away. I came back shortly just to find her still on the line. What kind of company are these people. I now threaten them in return. I totally understand why people snap. I want to go to a Greentree Building and do just that. The sleep I 've lost. The stress they have caused me and they do n't care. I 've had enough. Help! XXXX XXXX
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Consumer complaint received 2017-02-26
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

I noticed XXXX unauthorized charges were made to my bank debit card by PAYPAL. When I contacted Paypal ( representative as well as her supervisor ), I was informed that my account in on hold since XX/XX/XXXX because of certain verification information is needed. I questioned how can they make an unauthorized or authorized withdrawal from an account that is on hold or pending some verification? It is my understanding that they should not be able to withdraw from my account either if my account was under verification, and if they did, they should be able to refund the amounts on request. I question the legitimacy of their practice that when an account is pending verification, they can take the money out of that account but will not refund it under the same status even if those charges are unauthorized and fraudulent. 

Following XXXX charges are unauthorized ; XXXX/XXXX/XXXX {$10.00} MERCHANT PAYMENT PAYPAL XXXX - XXXX XXXX XXXX/XXXX/XXXX {$10.00} MERCHANT PAYMENT PAYPAL XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$2.00} MERCHANT PAYMENT PAYPAL XXXX - XXXX XXXX/XXXX/XXXX {$2.00} MERCHANT PAYMENT PAYPAL XXXX - XXXX Following charge was authorized, taken from my bank account, but never paid to vendor nor Paypal will refund it to me : XXXX/XXXX/XXXX {$7.00} MERCHANT PAYMENT PAYPAL *XXXX -
Consumer complaint received 2015-11-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (NC)

Flag star bank took over a year to give us a modification. It caused us to go from being only XXXX pmts behind to over XXXX pmts behind. Therefore the modification pmt they gave us is higher than our original payment was. Now since I had a XXXX and went on XXXX I lost almost all my income. How do you make a higher pmt with less income. In a years time we had to submit a whole package twice due to their Neglegance. They are not giving us a reasonable payment and it 's because of them taking over a year to give us a modification payment with higher principal balance because of them. I need someone to help us keep our home at lower payment. They also included late fees.
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (GA)

I was recently informed of a collections account, with this company listed as the owner of the debt. I phoned them to get clarification on the account. This was after submitting a dispute with XXXX as well as directly on their ( I.C. Systems ) website. I was finally connected with a representative and after what seemed like amiable conversation, where I was told that I owe an amount well over the dollar amount that I remember being delinquent and once I began attempting to collect information on how to resolve the debt, I was hung up on. I phoned the company again ( time # 2 ), only to have a different representative this time ; one who acted as though she was unable to reference any proof of the prior conversation. Upon repeating all of my personal information ( very uncomfortable ), I was told by this representative that the company in which I originally had the account ( the one that is now in " collections '' ) would be REobtaining said account, because the debt collections agency would have had it for more than one year. She ( this second rep ) suggested that I phone the original company ( XXXX XXXX ). Of course I phoned XXXX and they referred me back to the collections agency. I then phoned the agency for a THIRD time, just to be transferred to twice and then hung up on AGAIN. It 's quite clear that this company has no intentions of working with me to educate myself on the validity of this account, Or to resolve this account or collect payment. Obviously this only makes me question the validity of this collection.
Consumer complaint received 2016-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (SC)

I informed ICS collection back in XXXX and also I put it in writing that I do not owe XXXX {$77.00} which they have now put this information on my credit file for XXXX. I have an active account with XXXX more than 5 years with no outstanding debt. ICS refused to take this information off my account which brought my credit score down in the mist of me trying to buy a house. This company is placing false information on my credit report and causes my credit score to drop. Please advise me on what I can do @ this time. I would pay this {$77.00} but I do not owe XXXX anything other than my monthly bill. Please advise me what I can do at this time. My phone # is XXXX and their information is XXXX acct # XXXX
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (TX)

I have an unverified account from IC SYSTEM, INC. I had previously disputed this account. I have never done business with IC SYSTEM, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC SYSTEM, INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM, INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt
Consumer complaint received 2017-02-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (TN)

I am trying to improve my lifestyle and I noticed this inaccurate account reporting on my credit report. I do not have any knowledge of this debt. I believe they may be violating HIPPA laws by reporting this information. They are destroying my credit.
Consumer complaint received 2016-03-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (FL)

Payments have been made twice a month, in advance, for over 5 years. The bank continually delays posting the payments and periodically assesses late charges incorrectly. Now they have actually returned payments. As of now, the interest charged on the account is far in excess of what is actually due.
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (MI)

I was sold a mortgage by bidding on a home that was foreclosed, the saleman press to bid higher and higher to win the bid. the saleman connected me the person finance my loan at Flagstar bank, Flagstar Bank kept telling me they work with me after informing them I needed help and after they assure me they were not going to foreclosed. I sent {$2000.00} and then found out my loan was to another loan company, XXXX
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken especially with regard to the credit inquires. A proper investigation has yet to take place if this complaint is closed without proper action being taken by your company I will seek legal means to take action against your company through the judicial process. I have attached a police report verifying that I have had numerous accounts that had been opened fraudulently while serving in the XXXX XXXX. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable {$2500.00} per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. 
First I want to address the Current Address my current address is and has been for 6 years : XXXX XXXX XXXX XXXX SC XXXX I have never resided at : XXXX XXXX XXXX XXXX SC XXXX I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA. The accounts and inquires that need to be removed are as follows : XXXX account # : XXXX Condition : Closed Balance : {$0.00} Type : Auto Loan Pay Status : Current XXXX XXXX Account # : XXXX Condition : Closed Balance : {$4400.00} Type : Credit Card Pay Status : Late 90 Days XXXX XXXX Account # : XXXX Condition : Closed Balance : {$3600.00} Type : Credit Card Pay Status : Late 120 Days XXXX Account # : XXXX Condition : Derogatory Balance : {$0.00} Type : Pay Status : Collection/Chargeoff INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MN)

I have chapter XXXX bankruptcy a public record on my Equifax report i was told by the bankruptcy court that they do not report to Credit Bureaus it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

Equifax has again allowed a reinsertion of a collections regarding XXXX XXXX as shown on my Equifax report by XXXX XXXX XXXX . They also will not allow me to dispute that my XXXX student loans have been XXXX as of XXXX/XXXX/2016 and no longer owe the amounts stated. I attempted to notify them that the student loan service agencies will notify them at the end of the month. They will not even allow me to report that I have had XXXX XXXX for 1.5 years and it still is not listed as a positive account on my credit bureau report. I do not have my supporting document scanned to be uploaded and I am very protective as I have been a victim of identity theft and do not wish the document to be abused!
Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I have the same XXXX loans appearing as duplicates on my credit report. XXXX XXXX and then XXXX XXXX. XXXX XXXX report d these loans as late XX/XX/XXXX. Assigned my loans to XXXX and they too reported the same loans on XXXX/XXXXThese are the same XXXX loans same dates I was granted them. Same amounts. Same late dates. But rather than have the XXXX loans reflecting I have duplicates and they are XXXX items. The amounts of the loans are XXXX and XXXX. Just because they were later handled by XXXX does n't mean I have to have them duplicated. I need the duplicates deleted because this is an untrue reflection as each appears as a XXXX account I defaulted on when it should only be XXXX
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

i have through cfpb complained about how this company manipulates my credit score to no avail the do n't even response to my complains my credit score with them on XXXX XXXX was XXXX today XXXX XXXX its XXXX with no changes what so ever on my credit history please stop them
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

After resolving case # XXXX, Seterus has started sending statements that do not reflect the current balance, but a future balance, which include late fees if not paid by a date that is more than XXXX ahead. I have lost confidence in this loan servicing company and do not feel I should have to refinance to get away for them. I am requesting your assistance is getting away from this loan servicer due to their failure to provide fair and courteous service to someone who has an excellent payment history. This company is a collection agency and is acting as if our account is in collections. We should not have to feel that we are under a microscope by the way this company does business. They should not be allowed to act as if you are late, before you are late. The payment was made on XXXX/XXXX/2016, prior to the statement date.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I noticed a hard inquiry from XXXX on XX/XX/XXXX on my equifax credit report. The XXXX website said I could check my rate and it would not affect my credit ( ie : soft pull ). However, it was a hard pull which was not authorized. I disputed this with equifax on XX/XX/XXXX and they have still not completed their investigation nearly 60 days later. The equifax website shows my dispute as pending.
Consumer complaint received 2016-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (KY)

Wrong address on my Equifax credit report. This was from a collections agency who took an incorrect collections off my credit report, but left the address on the credit report. I have tried multiple times to contact the collections agency to resolve this but can not get an associate to pick up the phone. The wrong address in question is : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2022-08-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately :
Consumer complaint received 2016-11-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Timothy C. Runyan, P.C. (MI)

I saw my court case today, this case was closed, either XXXX or bankruptcy when plaintiff said he received a judgement against me XXXX, he filed a judgement on a closed case and it 's XXXX dollars, this case was closed XXXX just look at my court record.he tried 9 times to garnish my Inc.taxes he also filed a stipulation for settlement the judge told him the case was closed he violated CFBP laws, read my court case.
Consumer complaint received 2017-01-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (AL)

The condo at XXXX, XXXX, FL XXXX was abandoned by the owner in XX/XX/XXXX, and has sat empty since. XXXX held the mortgage, and repeated attempts to get them to foreclose failed. In XX/XX/XXXX the mortgage was sold to XXXX. 

After nine years the condo fees for this unit now total more than {$100000.00} ... an expense that has had to be shared by our 39 other owners. This particular condo was bought at the height of the real estate boom, and it is unlikely the property value will ever return to that level, especially considering a new subdivision next door will soon block our view of the water and lower the property values. 

Bottom line, the likelihood of the bank making a profit on this mortgage would seem to be very slim. 

Our 39 other owners have had to pick up the fees and expenses on this unit. Since several are XXXX, this has been a hard financial burden. 

It has been nine years since the owner abandoned the condo, and several legal attempts to get the foreclosure process started have failed. It makes no sense for any bank to continue paying property tax while our owners assume the expenses of this unit, with no end in sight. A foreclosure will at least end what is a money losing proposition for all parties. 

We respectfully request that those with the power to start the foreclosure process do so in order for the unit to be sold. We realize we will lose most of the fees, but this will at least put a new owner in the unit, one who will assume their fair share of the complex expenses.
Consumer complaint received 2016-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (WY)

Seterus force-placed insurance on our mortgage, despite the fact that my insurer has twice faxed proof of hazard insurance on the subject property, and my insurance company shows that Seterus paid the policy over two months ago. The forced-placed insurance added to my mortgage has caused my Seterus mortgage payment to increase by almost $ XXXX/month -- an increase of over XXXX %.
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

I think my claim falls under XXXX bullets : Report improperly shared by credit reporting agency and report provided to company without my authorization. XXXX XXXX pulled my credit report XXXX on XX/XX/XXXX and XX/XX/XXXX without my permission. When I made purchases from them I selected the ValuePay option. This option is highly promoted on the TV channel as a way to pay off the item interest free in XXXX monthly payments as long as you provide your credit card. I DID NOT select an option to apply for credit. I also DID NOT provide my social security number and DID NOT provide them with permission in any way for them to pull my credit. I was notificed there were XXXX hard inquiries on my credit report when I checked my credit report earlier this week. I have made purchases from this Company before and this has never been an issue. If I would have known they checked my credit I would have never selected the Value Pay option.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

XXXX XXXX broke our contract themselves by trying to rip me off and way overcharging me, forcing me to leave them and go with XXXX ( which is better any way ). I do n't owe them anything. If anyone owes anyone, they owe me the cost of having to purchase a phone though XXXX.