davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Sortis Financial, Inc. (CA)

I attempted to purchase a home XX/XX/XXXX. During the approval process the lender discover that ClearSprings was reporting that I had an " open '' loan with them form XX/XX/XXXX. They at some point had bought the XXXX loan that I had on my home. I had never even heard of ClearsSprings the enitre time I owned that home. The property in this case is located at XXXX XXXX XXXX, XXXX, CA XXXX. The house was foreclosed on in XX/XX/XXXX and the company that owned the loan a that time was not ClearSprings according to all the paperwork that I had. I subsequently filed bankruptcy in XX/XX/XXXX and had this loan included in the discharged. The discharge paperwork was provided to the owner of the loan - the loan company that was sending me collection notices on the loan. I never heard another thing about this loan ever from any company. Now all of the sudden ClearSprings still claims that I have an open loan with them when apparently they sold the loan to some other company. I contacted ClearSprings to discuss this and asked them to remove the " open '' status on this loan. The man to whom I talked to in Customer Service found the loan in question and verified they no longer own the loan. He however refuse to remove the " open '' status until I could prove the loan was paid off. They have no legal basis to require me to provide them with anything regarding a loan that they do not even own. I still to this date have never received any documentation from ClearSprings showing ownership of the this ( no wet signature on anything ), no collection notices and they still have not removed this as an open loan. I am unable to purchase a home with this " open '' loan. I can not find anyone in their organization to help or even discuss it with me. I mailed letters and have verification of the loan being discharged in my bankruptcy buy the company that had been sending me collections notices. I have since come into some information that the collection/loan company that they had sold the loan to and had been sending the notices during my foreclosure and that was served during the bankruptcy was Strategic Recovery - which apparently is some collection company owned by the the same company that owns ClearSprings. All I want is for them to remove this loan from any credit agency and what ever credit board that loan companies view when deciding to approve home loans. I lost a portion of my earnst money when I was denied credit during escrow on a home and I still can not purchase a home because of this.
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I disputed a judgment on my credit report with Equifax and they did not remove the judgment from my credit report. The judgment was filed in New York state and New York state law dictates that a judgment shall only be reported for 6 years. I called and spoke with the representative and he hung up on me when he was unable to resolve my issue.
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Service of Logan, Inc. (UT)

XXXX and Credit Service of Logan contacted me seeking payment of a debt without the source documents. I asked for the documents and neither company could produce them. Instead they produced an old contract from XX/XX/2011 which had been cancelled. If this were indeed the source document, then It would indicate that XXXX has been overbilling me for over 5 years by $ XXXX. I have contacted both companies and they fail to resolve the issue or produce the appropriate documents.
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (MA)

I went to a company ( XXXX ) for a medical issue that my doctor said was my last resort to avoid the XXXX I had to endure almost monthly. However, the company went bankrupt and gave their contracts to another company to which their lawyers sent out a letter to opt out of the next company and i did. Considering i felt as though it was a scam. I told Comenity that I opted out and they were bankrupt, they told me to go to the other company and try to get a refund. I tried multiple times to get info and refund or even get a location as to where that location was located. After talking to comenity for months telling them I could n't get a hold of anyone or get a refund with multiple disputes, they tell me to go down to the office that is located in the exact spot where I was getting XXXX before ( Am I they only person who sees scam? ). I get in my car and drive down there immediately only to find out that company is bankrupt as well. Comenity, now informs me to send a fax of all my XXXX history. I sent them a fax on XX/XX/2016 stating my contract was special due to my medical issue. That the usual contract was for XXXX treatments, I was allowed unlimited if my XXXX back and that due to XXXX I was able to get XXXX 3 times on other areas, but only once on the area i went in for in the first place, because you ca n't shoot lasers into an open wound. I got a letter back saying that I did n't put in the number of treatments. To which I went to their XXXX page livid asking if they were capable of reading. I got a number to escalated customer service explained the fax and a woman wrote in my exact details of the issue explaining why my issue was not cut a dry. I thought the issue would finally get resolved, but they closed the dispute, said I have to pay and the only way now to open a dispute is to write them a letter and find a copy of my contract from XXXX, that has now been chapter XXXX for over a year.
Consumer complaint received 2017-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon request for validation and dispute of a debt with XXXX I RECEIVED THE ATTACHED letter stating the account was sold. The dent was not validated yet the trade line continues to appear on my credit report.
Consumer complaint received 2016-05-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Performant Financial Corporation (FL)

On Wednesday, XXXX/XXXX/16, I received a call from, XXXX XXXX, a representative of Performant Technologies , Inc . The call was in regards to a past due balance on my student loan. I believe that the representative infringed upon my privacy and confidentiality rights and also violated the FDCPA. Before identifying who I was, she disclosed the amount of my past due balance and attempted to resolve my negative balance. She simply asked for me by name and went into details about my account. After discussing my account in detail, she asked me to verify my address, which I believe was her attempt at verifying my identity ; however, this does not adequately verify that she has the correct party. She also never disclosed that she was a debt collector when she was directly asked if she was. She used deceptive collection practices to coerce me into resolving my overdue balance. This phone call was full of FDCPA violations. I finally agreed to a forbearance and I 'm not sure if she even processed the forbearance for me.
Consumer complaint received 2016-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (MD)

I have a number of issues with my new loan service provider XXXX. 
1. They do not provide bill pay access to Banks. So I have to log into their system to pay my bill. 
2. They do not list under my account the amount I need pay each month. I assume it is the same as under XXXX but can not find it. Nor have they ever provided me with a pay by date. I do not know when it is due. 
3. I have not been able to get email statements despite trying to sign up for it numerous times. The system says I require 2 emails, 1 or the account and 1 for the my statements. I only have XXXX email account. 
All of these issues combine to make it a big hassle to pay. And the only reason they do this is to make money, hoping I am confused and pay the wrong amount or fall behind. By far the most hassle I have every had to deal with in paying bills. Worst then a car loan, worst then my home loan, worst then my credit card. A total lack of information provided about my account online and extremely difficult to contact.
Consumer complaint received 2017-09-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KS)

I have been dealing with student loans for over 10 years and it has not been easy. I feel they are extremely hard to deal with and it seems everytime I put myself into a forbearance or a income driven payment plan, it does n't seem to last and when I think that I 'm done with the loans for a minute to get myself situated, then all of a sudden I 'm getting phone calls and emails saying I 'm due a payment or more or phone calls as them saying basically I have n't done anything with the loan. Its very frustrating. I call them, let them know my situation they give me my options, set me up on a plan or whatever I qualify for and I get off the phone thinking I accomplished something and I have n't. I am really wanting all my student loans to be validated basically, because really I honestly feel these loans are outrageous and I just think its a way to get individuals money. I do n't have money to pay off or to pay on student loans when I 'm barely making ends meet within my household. If I ca n't pay rent NO I 'm not making any type of payment to pay down these loans. I do n't understand how difficult this is to comprehend.
Consumer complaint received 2017-09-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Our earlier 2012 complaint ( Case number : XXXX ) needs to be reopened. Bank of America promised that we could lock our variable interest rate in at a fixed interest rate at any time in the future for our HELOC, but then they did n't abide by that promise. In settlement to the previous complaint, Bank of America promised to cancel/forgive the HELOC, but never did so. Bank of America weirdly asserts that it, without error, modified part of the main mortgage by combining it with the HELOC, however, Bank of America never reduced the mortgage by the amount of the HELOC when it purported to forgive that HELOC. 
See also outstanding complaints XXXX and XXXX. 
We are suffering real damages because of the mess this bank has put us in.
Consumer complaint received 2016-09-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (MN)

I attended a private college, and in order to do so, look out nearly {$100000.00} in student loans, {$78000.00} of which are private loans through Sallie Mae. 

For the first year of payments, I was on the graduated repayment plan, so XXXX of the XXXX loans I have through them had significantly lower payments for the first year. Now, that plan is expiring in XXXX. 

For the first year, I also rotated a few in and out of forbearance in order to get my footing in the professional world and adjust to paying loans and living expenses. For the past year, I have been paying Sallie Mae about {$400.00} a month, and have never been late or missed a payment. 

Now, beginning in XXXX, I am expected to pay {$850.00} a month, which is half of my income in one month. I own a home and car, and have other living expenses as well. Sallie Mae literally does not care and will not listen to anything I have to say about what I am able to pay in a month, which is about {$500.00}. 

I even called their payments department and they said they are completely and utterly unwilling to work with me on a payment plan unless I just stop making payments -- and they were rude about it. I have never had a late payment or missing one in the year I have been making payments. I find it absolutely appalling that the only way they will work out a payment plan is if someone simply stops paying on an account. 

I find this entire situation absolutely ridiculous since I am doing everything in my power to pay them what I can and there is XXXX care, compassion or advice on their end.
Consumer complaint received 2017-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NY)

In the past 5 months, there have been XXXX fraudulent charges on XXXX Wells Fargo accounts ; a checking and a credit card account. Given fraud on the debit card, Wells Fargo cancelled my card and reissued a new card. Within 3 months of the new card being issued, there was new fraud on the debit card. The latest was {$31.00} for a XXXX clothing store charge apparently made over the phone - i.e. the card was never swiped since it has been in my possession. Most importantly, I have never once used this new card with new account details ( not once in an ATM, online, swiping, over the phone, never XXXX yet somehow its details were stolen within 3 months. I believe Wells Fargo is negligent in protecting client information ; either an employee is selling client information or there system has been hacked, however they provide no clarity. 

They also initially failed to even cancel the maintenance charge since I ca n't even use the account since it 's constantly frozen with fraud charges/I 'm awaiting new cards. They were more than unhelpful an sales representatives were aggressive and confrontational. Over the phone, no explanation of how this could happen was provided and I felt the call center was discouraging me from contacting the CFPB, saying they take making formal complaints a very serious matter, suggesting that the theft and illegal use of my card details was not sufficient.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

An account with XXXX Was disputed and XXXX XXXX the account reappeared on my credit report after the dispute, investigation and deletion. Please see the attached documentation with verification of the deleted account XXXX XXXX, XXXX as well as a new credit report for XXXX XXXX, XXXX and the same is account is there. 

thank you
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was discharged. Upon checking my credit report, I discovered that Equifax is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing, on the summary page, accounts that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a discharged account. Discharged accounts can NOT be late-ever.
Section 607 of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been discharged in a bankruptcy as " bad debt or late '' if the account was open and not discharged off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so.
NEGATIVE REPORTING ON A DISCHARGED DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. My fico score has been severely damaged due to the credit bureau 's inaccurate reporting. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision that was unavoidable. 

On XXXX XXXX, XXXX, I spoke to XXXX, Equifax rep and XXXX, supervisor, about the violations. XXXX told me that bankruptcy is negative and they will NOT remove the negative listings. Even when I explained that her company was in blatant violation of the FCRA and Bankruptcy Code, she refused to correct the severe damages to my credit report that they caused.
Consumer complaint received 2017-09-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Alliance Collection Agencies, Inc. (WI)

Served with papers without notifying me ahead of time in XX/XX/XXXX. And at that time it was all pending because I filed for community care and aspirus had sent me a letter saying that XXXX XXXX   would pay 75 % of the bills that were at alliances collections I thought everything was taken care of and I was just waiting to find out what I was to pay after the 75 % was paid but never heard anything from alliance or aspirus then one day I 'm served with papers to go to court. So I called alliance to try to work things out they said I could n't pay less than XXXX a month I said I could pay XXXX a month because I do have other bills they said no I had to pay XXXX or go to court and every time I call them they are rude and uncaring, I recently called because I was explaining to them why I was short on the last payment and also explained that I am filing malpractice against the doctor who did XXXX on my XXXX  which those are the bills that are at alliance collections, and right away the girl asked me where I was getting the money for an attorney I told her it was none of her business. And now today XX/XX/XXXX I spoke with XXXX explaining that I was going to refinance my mortgage and get extra money to pay this bill at alliance collections off then she proceeded to tell me several times I was behind on my payment by XXXX and that if it is not paid they would take me to court.
Consumer complaint received 2017-03-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NJ)

When I opened my auto loan with Wells Fargo I set up automatic payments to get a better interest rate. I have been having trouble with the automatic payments on my loan because there is no reminder feature so there were late charges on my account. This month my regular ACH Debit payment of {$300.00} was withdrawn for a different amount, it was {$450.00}, which I did not authorization. There was no warning or notice this extra money would be taken out of my account.How is is possible for the bank to randomly take money from someone 's account without telling them? In addtition Wells Fargo, charged me return check fees for my auto account, return check fee for the savings account, although the money was in the account, late fees and " assessment '' fees. What a scam! My savings account is also a Wells Fargo account so they knew the only money in the account was the authorized payment of {$300.00} so they intentionally took more money out of the account. Are they intentionally overdrawing people 's accounts to get all of the associated fees? I have made a complaint and was told that they are entitled to take however much they choose if there are fees but I was never told that this was the policy. Wells Fargo should be ashamed of themselves, stealing from their own customers. I thought Wells Fargo was such a reputable company but I guess if times are tough and they have access to your bank account " AUTHORIZED ACH DEBIT '' does not mean the amount you authorize, it means the amount the bank decides they are taking!
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I tried to place a credit freeze at TransUnion. I answered one question incorrectly, but was unable to correct it so I was locked out of the system. I tried for hours to contact TransUnion and was on hold the entire time. I then tried to find a way to email TransUnion and there is no option for emailing. My only option was to write a letter, and according to the website it could take 30 days to get a response.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (VA)

I am recently retired XXXX service member who has been XXXX on and off since 2007, I got a Lowes Credit Card issued by Synchrony Bank. I have been paying my bills above and beyond my minimum, so I thought, since I have on-line statement. I recently checked on line to see all my credit balance since returning off XXXX and was shocked to see that instead of balance decreasing, it was increasing. The card security benefit was added without my knowledge and was charging me {$90.00} a month, so only XXXX dollars was going to interest and nothing was going to principle, thus increasing my balance and minimum and adding late fee. This has been going on for I do not know how long. In essence I have been paying XXXX towards the card security and interest ( half of it ) and nothing at times to principle. 
very respectfully, XXXX XXXX XXXX
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

EQUIFAX IS REPORTING FALSE AND DAMAGING CREDIT INFORMATION. 
XXXX DEPT. OF H XXXX, is a fraudulent account en toto.I have never paid them anything.When I contacted them they said they were going after the filer for fraud, yet they have created this false record ... .all the while I had a contract for child support, for the same children in XXXX XXXX