davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: New Mexico Educational Assistance Foundation (NM)

The lender does not disclose accurate account information in the collection of this debt. Paper statements and online account access does not clearly disclose how much interest is being charged to each student loan monthly. Furthermore, paper statements and online access do not show clearly show the application of how payments are applied, even when a borrower tenders payment application instructions. The lender advances payment due dates when additional payments are made beyond the IBR plan designated payment amounts. The concern is that when the payment due dates are advanced interest may be charged to the loan for the future due date period and then when the actual due date period comes interest is again charged to the loan for the actual period. A borrower would never know because the lender does not clearly disclose what interest is being charged, or how payments are applied ( pmt. to monthly interest vs capitalized interest vs principal vs fees ) on a monthly basis to each loan group. Therefore, a borrower can not understand the status of their loan in terms of growth or reduction, or have a real opportunity to identify discrepancies, and if needed dispute the accuracy of their account. 

Furthermore, if the lender holds several loans the loans are lumped together by loan type as one amount on the paper statements. This practice does not reflect the actual accounting of each loan and prevents borrowers from learning the actual amount owed and status of loans. Rather, the accounting practices of NMSL with borrowers who are on an income based repayment plan appear to be designed to minimize disclosure about individual loans, keep borrower 's in debt to collect as much as possible from them for as long as possible, and grow the debt as much as possible to allow for a bigger write off when loans are forgiven ; instead of allowing borrowers who are willing and barely able to make financial sacrifices beyond the mandated IBR repayment amount to make informed decisions that would allow them to actually pay off smaller loan amounts. 

In not disclosing a proper accounting of what is happening to the loans on a monthly basis and separating the loans by the actual loan amounts owed I am concerned this may be a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MI)

I disputed an account XXXX XXXX XXXX with Equifax and asked them to delete the account due to improper reporting. I also requested documentation showing details about the XXXX account. Equifax simply responded stating that the debt was valid and never send me any of the documentation I requested. I believe I received an auto-generated response, and no one actually reviewed the explicit instructions I gave in my dispute. 

I would like Equifax to delete the XXXX tradeline from my credit report for their failure to perform a full investigation, followed up with documentation, as per my request. Thank you for your time in investigating this matter.
Consumer complaint received 2017-05-12
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 — Their investigation did not fix an error on your report
Company: TENET HEALTHCARE CORPORATION (PA)

There are  Credit reporting agencies reporting inaccuracies on my credit report. After I disputed the information asking for more information, it was n't provided to me. An address that I never resided at is on my credit report. Suggesting that along with the unknown address there are numerous accounts on my credit report that were not opened by me. I 've asked all the credit bureaus to look into to the disputed information and correct all the inaccuracies, but nothing has been done. This information is hurting my credit score and cre dit report, and is holding me back from doing things that I need to do.
Consumer complaint received 2016-12-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Prospect Mortgage, LLC (NY)

Prospect mortgage has had my application since XX/XX/2016 for an FHA XXXX loan only to have an FHA loan process according to the broker.. I have be in contract with the sellers with a short sale home for the same amount of time. I have received a number of contradictory estimates ... the house was initially XXXX and now dropped to XXXX. Closing cost Has been exaggerated and unreasonable and well as contact with the brokers. No phone calls seems to be accepted only emails. As there are many. They are a number of contradictory statements. Please help short sale expires XX/XX/2016. There is so much more to state there were false documents, Appraisals, and a number of other unethical practices.
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Hi my name is XXXX XXXX, I had filed a previous complaint against capital one credit cards, however I have given them enough time to adjust the fradulent charges on my credit cards, however they did make a few adjustments on XXXX of the credit cards, but failed to do so on the other card, I contacted Capital One Fraud team and asked tgem to mail me out copies of all charges from credit card statements, however they did so on XXXX of the credit cards, and I found numerous of fradulent charges on that card alone, that I was unaware of, I called the fraud team at capital one to report these fradulent charges, and they never responded back to me, nor gave me a credit for all of the fradulent charges that I reported. Might I add I called Capital One Fraud team numerous of times, and they really do n't care, I also explained that I am a XXXX person, XXXX to make any out of state purchases, but they still are refusing to issue me credit, I am tired of paying them for charges that I did n't make, also on the credit that they issued on the XXXX card, they recalled some of it back, and they would never mail me a full statement on the card ending in XXXX, I would be happy to mail you all the fradulent charges that they are making me pay for.I will contact a lawyer if it 's not resolved in a timely manner.I have already given capital one months to investigate this matter, but still no response, I called oneday and asked for a supervisor on account ending in XXXX, and he refused to help me, and informed me that was n't his problem. But they are advertising XXXX fraud on fradulent charges, not true, capital one has treated me like a criminal, and has no respect for their customers, these fradulent charges has been going on since capital one issued these XXXX cards through regular mail, since I have filed a previous complaint with CFPB, capital one changed my credit cards, and now both cards has a security chip, and I have not had any fradulent charges since. But once again I have given capital one enough time to correct these fradulent charges
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

I have disputed a collection with all credit reporting agencies about a collection that was paid and the creditor has disputed the collection as well and has asked all credit reporting agencies to delete the collection from my credit report. All credit reporting agencies have deleted the collection except for Equifax. The collection agency has gone online multiple times and manually requested the deletion, they have submitted the repositories and they have made repeated phone calls to Equifax , I have disputed it online and called Equifax multiple times and the collection has still not been deleted from my Equifax credit report.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MS)

I tried to Dispute an item on my credit report ( s ) online. 
Online process said I needed a " File Number '' from the report to complete the dispute form. 
I had to " purchase '' the XXXX reports to get this required " file number ''. 
EXPERIAN charged me {$39.00} for the XXXX reports. 
HOWEVER, .... none of the reports had the required " # '' to file the dispute. 
I called them and they said the Charge was Non Refundable even though the reports were " incomplete '' / useless to me. 
Just more money grabbing and no means of recourse for the consumer.
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

My 2 mortgages were transferred to a different mortgage servicer and on both I was informed I was 3 payments behind & over {$8.00}, XXXX in escrow shortages. I am being made to pay p & I & 2 escrow accounts. Needless to say I have fallen behind and now they will not accept my payments. I do not want to lose my home nor the rental home I have which was part of my livelihood, now a liability, can you please help?
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: National Credit Systems,Inc. (TX)

Noticed debt listed on credit file, sent several letters requesting validation of debt over past 4 months. I have not received any communication from this collection agency. I never received a notice to dispute this debt. Under the FDCPA this is a clear violation of my consumer rights.
Consumer complaint received 2016-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CA)

This company for the last 4 years have reported a debt that was about $ XXXX in amount as a {$22.00}, XXXX debt on my credit report. Additionally, when I disputed the validity of this debt with the company and the bureaus, the company verified the debt as a valid debt to the credit bureaus, whereas they were required by the FDCPA to report the debt as " disputed. '' This is a clear violation of. XXXX. Validation of debts [ 15 USC 1692g ]. The item also still appears on my credit report as having a $ XXXX balance ( see attached credit report excerpt from today )
Consumer complaint received 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (CO)

On  XXXX   XXXX ,   XXXX  , Guild Mortgage Company was the lender for my loan. At closing the sellers where charged {$1700.00} for Colorado property taxes for the year   XXXX  . The sellers by mistake received a notice to pay   XXXX   taxes, did so. 3 Months late r Guild  Mortgage sold my loan to  XXXX  Bank. The amount in my Escrow with Guild was {$1000.00} what  XXXX  bank received was {$710.00}. I have letters from  Guild  Mortgage and  XXXX  stating that taxes were paid by a unknown source. I have requested from Guild for the amount of {$1700.00} to be transferred to my escrow or account that dollar amount.   In the mean time the sellers have taken me to small claims for the amount of {$1800.00} for damages and there taxes to be returned, Which now I have to pay the plaintiffs. I have request Guild Mortgage Company on many occasions to show proof of where they have used my escrow monies and still they ca n't answer me. On  XXXX   XXXX  with the help of a  XXXX   XXXX  on a  XXXX  way call they still were unable to account to  XXXX  why my Escrow was short at the time they sold it to them. I want them to return the monies that I was charged at the time I purchased my home and I want the sellers to receive the monies due them,
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Credit Karma (MO)

I have payed my XXXX bank credit card down to XXXX and Credit Karma still says its at XXXX. Ive cancelled my XXXX bank credit cart and Credit Karma still says that the card is open and valid. The information on my credit report is updated according to Credit Karma and is rarely accurate. This is partially effecting my credit score.
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

I brought a House in VA, I was paying on time and paying a little extra! My spouse and myself got reassigned to another duty station. We work for dod, I was still trying to pay the Mortage and rent. We put the house up for sale first buyer did n't work out problems. I was still paying, I then began to max out my credit card, could n't pay so I went to someone to help me and we put the house up for quick sale, had a buyer and Wells Fargo was taking so long in doing anything the people pulled out! We did n't get another buyer for about 6 or 8 months it was quite awhile. Now we have a buyer again and again Wells Fargo is still giving us problems. The buyers have even gone up on their offer! Wells Fargo keep asking for the same paper work staying they ca n't read it, it 's to blurred some reason to just get putting us off! Then I get another person from Wells Fargo to work on my property that seems not to know what they are doing or how to do a job with the quick sale. When you on my end it would seem that Wells Fargo want this property to go into foreclosure and have set the date for XXXX XXXX, when in fact a year or so ago it would not have gotten to this point the house would have been sold. The person that 's working on this house on my behalf have been calling them every other day or every two days to find out where the process is and what is taking so long. She is been told it 's at this desk and that desk should be hearing something and then nothing. I have send every paper work they asked for and twice some time! Have mad the home accessible, It 's like they let paperwork expire and they need it again, I have even put so much more in this house to ensure that its fixed correctly, this house has cause me a hard ship and it should n't have due to it could have been sold a year ago. To me it seems that Wells Fargo is the one that is holding up this progress and causing us to loose the buyers for this short sale because the buyers are not wanting to wait, as if they want the foreclosure it to take place! Instead of trying to help, they to are causing a hardship causing stress causing sleepless night and tears for not helping the seller!
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a letter to the XXXX County XXXX in Michigan disputing a report of a tax lien that has been reported on my credit file. I requested validation of this debt and the clerks office sent back a letter stating they did not report this information to the credit bureau. I in turned sent a copy of the letter from XXXX to Transunion to have the tax lien removed. As of this date, nothing has been deleted. I advised Transunion of as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ). Transunion communicated that this debt has been validated but did not show me how it was validated, they did not send a signature or anything.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human Trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 


INQUIRIES : XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2017-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I have been h it  XXXX  or  XXXX  times on my credit by Common Wealth Financial, som e medical collection company. It is hitting my credit as new debt. I have not been to an  emergency room s ince   XX/XX/XXXX a nd never any of the ones they are listing. I asked them through their rep  XXXX  to provide me with paperwork showing my signature authorizing procedures or patient paperwork. The representative  XXXX  said it could take  up to 3 weeks. I  said that is fine. I finally get something in the mail for them and it is just a bill. The guy calls me back and says, " did you get what I sent you? '' I advised that all I received was an invoice for what they were trying to collect for. He said that is all they have. I advised it was not my debt and that I will be disputing, there is no paperwork on me.   My score dropped almost  XXXX  points in la st 2 week s because they are making a debt that is not mine look as though it is something new. They already advised that whomever had this debt it is from  XX/XX/XXXX , not in last 3 months as it is showing.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

I inadvertently defaulted on a XXXX account with a balance of {$690.00}. This amount in full was paid DIRECTLY to XXXX and there is now a {$0.00} balance with them. This should NOT be with a collection agency or reporting as such with any credit bureaus. Upon disputing this with the bureau, they claim to have verified it, although I was able to verify with XXXX that there is no balance on my account.
Consumer complaint received 2016-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

As a condition of our marriage dissolution my ex-husband was supposed to file our taxes for 2008. He failed to file State taxes & ignored multiple certified letters notifying him of the debt liability, and then the tax lien being placed on us. I no longer resided at that address so I did not receive notification of the lien until it hit my credit report. I contacted the creditor, arranged payment, and made sure the debt was paid, paying the lion-share of the debt. The lien has since been released, but Equifax says it will show on my credit report as a released tax lien for up to 10 years. I want the tax lien information completely removed from my credit report. When I learned of the tax debt, I actively took steps to pay it off, contacting bill collectors and paying what my ex-husband failed to pay. Although it appears as 'released, ' this tax lien threatens to stifle my ability to gain credit, making it even more difficult as a divorced woman to establish myself financially after my divorce. Why must responsible people be made to suffer? Have n't I suffered enough?
Consumer complaint received 2016-08-12
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (OK)

I have several bank accounts at Huntington bank. I have an IRA that I am trying to transfer money from and put into my checking. I recently moved and there is no Huntington bank where I am and the bank is refusing to give me my money without me being present. They refuse to send me the form that I can sign and have notarized and sent back. I really need my funds and the bank will not release them to me. I have tried calling the bank 3 times and the bank employees keep hanging up on me.
Consumer complaint received 2016-08-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I used Bank of America 's mobil app to deposit a check. They advertise how convenient it is to use and how the check credits quickly. This is false advertising. T deposited the check for {$8500.00} XXXX XXXX and was informed by BOA that the check will not be deposited until XXXX XXXX. This is theft ... holding on to my funds for one week.
Consumer complaint received 2016-07-27
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Credit Bureau of Carbon County (WY)

I have been paying off a hospital bill for almost a year. The agreement was that I would pay {$150.00} a month. Which I have been doing. I have not missed a payment. The original amount owed was {$1300.00}. I owe {$130.00}, which I plan to pay next month, per the agreement. I have been receiving phone calls about every two weeks and they are threatening a civil lawsuit. I know they have no grounds, since I have been paying the debt. They called today, after I had paid this month. I emailed them and told them to stop the harassment. I have also blocked the number so they ca n't call me anymore. I also talked to an attorney. I am on XXXX for XXXX XXXX and I work part time. I have tried explaining this to them. I pay them when I either get a paycheck or when I receive my XXXX check. Again, I have not missed any payments.
Consumer complaint received 2016-06-23
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a 15 yr boat loan with Bank of America. In 2002 I had work issues and fell behind. The bank offered to grant me a 2 month extension so that I could get caught up. Some years I was offered the same 2 month extension since I had once again fallen behind. The loan has now matured, payments were on time and even extra was applied but they tell me that I owe the interest on the extensions. So the extension in 2002 I still owe the interest, which has been accumulating for the last 13+ years. My statements never reflected this in the amount shown due for the month. I even paid extra and the next month the amount due would be less than the original payment. Bank of America offers these extensions but never tells the customer that they will be liable until the 2 months are paid back. They just tell the customer that they will be put on the end of the loan. So at a little bit over a dollar a day in interest, they want me to pay them immediately {$4500.00}. I told the bank today that if the statement would have showed the accumulating interest I would have paid it off many years ago. This is such a shady way to do business.