davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (AE)

I consolidated my student loans through XXXX XXXX. XXXX XXXX disbursed the payment to pay off my loans in full to the other companies. AES was XXXX of the companies that I have a student loan with. XXXX XXXX sent the check on XXXX XXXX, 2016 to the loan companies. AES has not posted this payment to my account yet. I called to see what is going on. I spoke with XXXX in customer service. He said they have not received any payments. I asked to cancel my direct payment for the loan that was coming due on XXXX XXXX, 2016. XXXX said because it was less than 3 days from that date, they could not cancel the payment. He said I could call my bank and block the payment, but that would put late fees on my account. The other option he gave me was to call XXXX and then add AES to the call and have the XXXX companies and myself talk and work it out. I am XXXX with my husband for military reasons and have no way to do a call of that nature with multiple parties. I called XXXX XXXX and they were able to confirm they sent the check on XXXX XXXX, 2016 and that it had been cashed by AES on XXXX XXXX, 2016. Still on XXXX XXXX, 2016 this payment has not posted to my account. They then went ahead and took out the direct payment of {$61000.00} on XXXX XXXX, even though they received and cashed the full payment for these loans on XXXX XXXX. To take money from someone who does not owe money is fraud and terrible business practice! I want my money returned along with the interest that has been accruing on these loans since XXXX XXXX when they cashed the full payment.
Consumer complaint received 2017-01-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (LA)

I have been paying the essentially the same price on my mortgage for a few years now. Today ( Saturday PM ), I get a my escrow statement from Suntrust Mortgage and they are telling me they expected me to pay the cost of my PROPERTY TAX for my Home Owners ' ( the last three years, my Home Owners ' has been over double the cost of my property tax ). This essentially means they have allowed my Escrow to dip into a HUGE negative balance and now expect me to shell out a lump sum of XXXX or pay an extra XXXX/month. The statement reads like a large clerical error and now NO ONE is around to help me out at the " convenient '' time I got the letter.
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been working with my lender Wells Fargo regarding loss mitigation options. I have provided all supporting documents and now the day before the sale they are asking for additional information in which I did send in right away however they are saying the sale for tomorrow has not yet been postponed because there may not be enough time. I strongly feel my rights are being violated and that I may lose my home although I have done everything on my part to follow up and send in information requested.
Consumer complaint received 2016-04-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

On XXXX XXXX I received a letter in the mail from ECSI informing me that my account was 15 days past due and that they would report delinquency if the payment was not received in the next 15 days. Until I received this mailed notification I had no previous notice that my deferment period was over. ECSI took a financial predatory approach by notifying me only AFTER the payment was due that I owed them money, which allowed them to collect a late fee. I received no information from ECSI beforehand so that I could budget for this monthly cost and set up an automatic payment. It is also disconcerting that they are using snail mail, an outdated approach in 2016, as their main form of communication. 

This negative experience strongly contrasts with the one I 've had with my federal student loan servicer, XXXX XXXX. They notified me 6 months prior to my first payment, which allowed me to set up an account on their website, a direct monthly payment, and establish an appropriate personal budget.
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Since Nationstar became a XXXX sub-servicer of my mortgage loan 3 months ago, the company has failed to post my monthly mortgage installment payments against my account in a timely fashion. Each month, I receive a call from Nationstar inquiring as to where my payment is when, in fact, the company had received my payment well in advance of the due date. I received another such call yesterday ( XXXX/XXXX/2016 ) inquiring about my XXXX XXXX payment. My mortgage installment payment ( due XXXX XXXX ) was electronically sent to Nationstar on XXXX/XXXX/2016. I also received a letter in the mail stating that I would be assessed a late fee if Nationstar did n't receive my XXXX XXXX payment by the end of my grace period. Nationstar has my XXXX XXXX payment! How can this happen month after month? I have reason to believe that the company is failing to post payments in order to access late fees on its customers. This practice is reprehensible!
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2016-12-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT ASSOCIATES, INC. (OR) (OR)

I was contacted by XXXX to check my feet. I was told they were in my insurance network on XXXX different dates prior to going in. They took my insurance card and co pay. 2 weeks later I received a bill stating my insurance would not pay. So they want me to pay the bill. This clinic is dishonest and lies to public. I could of went across the street and my insurance would have paid, but believed I was covered based on what the clinic told me. Now they have turned me over for collection and is on my credit file. I have requested the collection agency take me to court where I know I would win, but they refuse to move forward to get this off my record and just leave it on my credit file. Fraud!!!!
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (IL)

My Barclaycard account was closed, but went to collections. The collections company DID NOT place the account on my credit report, because I settled it in full right away. However, Barclaycard refuses to update my credit report to say that it was settled in full. Even after I disputed it, they have it marked as a charge-off. I need this to be updated, as I am trying to fix my credit.
Consumer complaint received 2016-04-19
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I tried to use my debit card today over the phone at XXXX XXXX. It did not work causing a waste of time. So then I tried to buy the same thing on line using the same card it did not causing a waste of time. I looked up the balance in the account and there was sufficient money in the account I called BofA and after a number of waits ( another 15 minutes ) they told me that the card was compromised and they were sending me a new one I said, why did you not send me an email saying that the card was now invalid so I would not waste so much time. They said that an email was sent telling me I was getting a new card. Well I get new cards all the time, so I figured, fine. What they did not tell me was that the card was now INVALID. So I explained carefully to the BofA representative on the phone : 1 ) if you tell your daughter you are giving her a new car, she says thanks dad. But if you do n't tell her that the reason is that there are now no working brakes in her old car, she can go out and have an accident. 

2 ) They must tell me the card is invalid in the email. NOT just that I am getting a new card Thanks for your help. Clarity in communications is important. Email should have started in BOLD : YOUR CARD IS NOW INVALID ( to make sure I read that part!!!! )
Consumer complaint received 2017-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX, XXXX, XXXX XXXX contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XXXX XXXX, XXXX, XXXX XXXX again contacted me via a letter. They stated the lease terms can not be altered for me. XXXX must administer to the terms of the contact that were agreed to at inception. XXXX XXXX, XXXX, I, XXXX XXXX XXXX contacted XXXX XXXX via a letter. This letter discussed the reasons for my hardship. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a mortgage with B of A. I have paid them every month for years via electronic fund transfer from my bank directly to them. In XXXX they transferred the servicing of that loan to XXXX. They did not adequately tell me so I had sent my XXXX payment via Electronic fund transfer to B of A on XXXX. My bank ( XXXX XXXX XXXX XXXX ) has also confirmed this about a dozen times verbally and in writing. XXXX called me looking for their XXXX Payment. I then called B of A. In fact I have spent about 8 hours in total now on phone calls, typing emails, etc .... trying to get B of A to help me. The customer advocacy individual they assigned to me has stopped communicating with me. In short, they ca n't find the {$440.00} I sent them on XXXX. I have since sent the missing payment to the new mortgage payment and I want my {$440.00} back from B of A.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

A continuation of Case # XXXX Despite OCWEN 's acceptance of responsibility for their mistake in accounting and notification, and the fact that I have paid everything on time, when they asked for it, all three credit reporting bureaus are still showing me as delinquent on XXXX 2015 's mortgage payment. I need to have CFPB pressure on OCWEN to make them correct my credit reports.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2016-10-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp. (SC)

I purchased a vehicle XX/XX/2015 in XXXX, SC. In the process of purchasing the vehicle I agreed to purchase GAP coverage for peace of mind. This coverage was negotiated into my financing with XXXX XXXX. On XX/XX/2015 I was involved in a serious accident in which the vehicle I had purchased suffered extensive damage. Upon communication over the phone with my insurance agency, I concluded my vehicle was a total loss. I then called XXXX to verify the process for my GAP coverage. A few months later, the threatening and harassing phone calls began. To my surprise, my vehicle is listed as a repossession by XXXX and I am suffering the unbearable consequences of a negative credit situation and CONSTANT harassment even after I have informed XXXX of my request for them, and their collections agents, to stop. Their harassment over an account that never should have been marked delinquent due to my purchase of GAP coverage has led to me losing XXXX in lost potential credit opportunities, as well as embarrassment and XXXX over a matter that should have been resolved the day I signed a contract for GAP coverage. These people are horrible, unethical, and shameful. They have ruined my credit and reputation and I am not going to sit back and take it anymore.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am appealing for your help regarding this erroneous account listed on my credit report. I have reported this issue because it has negatively impacted my reputation, and I need your support. Your mismanagement of my credit report put me in a difficult position due to your inaccurate reporting, which damaged my reputation. These mistakes need to be corrected so I can live normally with my family.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

XX/XX/2024 I went onto XXXX  XXXX XXXX website to check for offers for a credit card. XXXX XXXX XXXXXXXX website showed check for offers wont affect credit score. 
I was just able to log into experian website today XX/XX/2024, to view my credit report. I have a hard inquiry froXXXX XXXX XXXX XXXXXXXX what shows it will be on my report for 2 years. I never ever authorized XXXX XXXXXXXX XXXX to do a hard inquiry on my credit report. I contacted XXXX XXXXXXXX XXXX online they refused to assist, I contacted experian today rep refused to remove, rep told me to contact the company. I want this inquiry from XXXX XXXXXXXX XXXX removed from my report I never authorized a hard inquiry, they used soft inquiry online and it wont affect credit score which is deceptive
Consumer complaint received 2021-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (TX)

This company under the name of AARGON Agency is reporting a medical account for the amount of {$3300.00} to my credit report. On XX/XX/2021 I sent a letter to the credit bureau to investigate the account. On XX/XX/2021 the credit bureau replied that AARGON agency verified the account. As the affected consumer I sent a written request to AARGON agency on XX/XX/2021. I asked them to send me the signed medical documents for this debt. I advised I had reached out to my health insurance company to find out if they ever received a claim for this account and they confirmed they did not get a claim. 

AARGON agency has not sent me a response to my written request and it's been a month since I wrote to them.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2016-12-27
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Kinum, Inc., Indianapolis, IN Branch (IN)

After paying the bill in full via their website and validating that it cleared my account the following day I received a phone call from them two weeks later on my cell phone stating they had no record of this activity. After giving them my acct and auth numbers, I pressed the agent and found out that it can take 30 day 's to process. The agent wanted me to send a copy of it clearing my bank account. Essentially they were making their problem my problem. The agent then asked me why I was berating them the day after XXXX. When I asked to speak with their supervisor, the agent said they were a supervisor. Very unprofessional and this upset me greatly.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

Equifax is stating that XXXX Account XXXX is reporting correctly and it is NOT. This debt was cancelled through IRS Tax year 2015 with Form XXXX. I have included the paperwork many times that proves this yet Equifax continues to ignore the paperwork. Consumer Financial Protection Bureau is suppose to make this right and force Equifax to obey the FCRA and report this correctly. The paperwork is right here and states clear as day that this debt was cancelled. THIS ACCOUNT SHOULD BE REPORTING XXXX BALANCE AND CLOSED. I do n't understand how Equifax can get away with breaking the law and you Consumer Financial Protection Bureau are letting them get away with this. My next attention will be a law suit.
Consumer complaint received 2016-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have been paying to settle this account, listed on my credit report the total owed is {$1000.00} however when i call to settle in full i i was informed that the amount listed on my credit report was incorrect and my total was {$1500.00}. i tried to explain to the agent on the phone and was told i should just pay the {$1500.00} as it is listed as accord interest in her system
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried to fax over documents proving I have paid my debts off 15 working days ago.. I still have not received a response and the creditors are saying they have let the credit bureaus know .. Transunion REFUSES to take this off my report and can not be reached through fax
Consumer complaint received 2016-05-18
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Revenue Recovery Corporation (TN)

These are small XXXX XXXX bills that are owed and I never received any billing statements or knew anything about owing these bills ( they are bills from 2 to 4 years ago ). I received a letter from a collections agency requesting that these be paid in full. I called the collections agency and was informed that I am committing an unlawful crime if I do not pay these ASAP. This is not right for them to try scaring me or making suggestions of this kind. I do not appreciate this kind of business tactics.
Consumer complaint received 2016-04-21
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Santander Consumer USA Holdings Inc. (NM)

I received a " packet '' delivered to my door by a gentleman. I asked him if I was being served and he said that the only information he had was that it was from XXXX XXXX. The papers resembled a court summons complete with trial number and everything. I immediately went onto my metro court website and I could not find any complaints filed against me and when searching the case number I had no results. The debt they are collecting on is past the four year statute of limitations.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Opened a bank account at XXXX XXXX was told a few dats later that my account would be closed due to various socials being connected to my account. Was basically told they didnt want to bank with people who committ fraud. Explained to them that the XXXX credit bureaus had my identical triplet sisters who have similar names as me on the credit report. I was told to contact the credit bureaus and get proof they were fixing this issue. Contacted the credit bureaus XXXX, transunion, and XXXX. They stated to me that there was nothing they could do. And that this was not the case. I explained this has been an ongoing issue for years now. I lost my bank accounts due to this error on their part. I have tried and tried to get my sisters off my credit reports as my aliases even explained that we are all different people. I explained that I am married and have not changed my name yet due to having XXXX people on my credit report. I dont want another person added on there. This has ruined my life and is very unacceptable. I can not apply for anything without my sister having access to my peraonal accounts. XXXX is ridiculous. Ive lost so much on this error made by the credit bureaus.
Consumer complaint received 2016-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (NC)

I called the compant and spoke to XXXX XXXX XXXX and he once again told me the company has a non- removal policy no matter if i made the complaint to the cfbc they will not remove it for me, even though it is paid in full. They have to release of record! I have never had a collector not release? This is prohibiting my ability to purchase a home for my family.