davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credence Resource Management, LLC (NV)

Credence Resource Management, Account # XXXX represents a XXXX post paid account that has been added and deleted to my credit file several times. The date of first delinquency with this creditor was in XXXX and it appeared on my credit file as XXXX in XXXX. The accuracy of the information was challenged and subsequently deleted. This item appeared again on my credit report in XXXX of XXXX with a open account date of XXXX XXXX under the collection agency, XXXX XXXX, XXXX, Account # XXXX, this information was challenged and subsequently deleted as it is a re-aged account. Now, the information is once again showing on my XXXX credit file report # XXXX under the collection agency, Credence Resource Management with an open account date of XXXX, XXXX. I challenged the accuracy of this information as it is a re-aged account in XXXX, XXXX and I received an email confirming the investigation was completed and the credit collection will remain an open account with a date of XXXX, XXXX despite this information is a re-aged account. 

Credence Resource Management is reporting a re-aged account to my credit file which is a direct viloation of the FCRa. Please assist me with this matter as it has seriously damaged my credit score since it is showing as a new collection account and it is also going to remain on my credit file longer than legal because it is re-aged to XXXX rather than the first date of delinquency in XXXX.
Consumer complaint received 2016-10-03
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd. (TX)

I took out a cash advance to help a financial hardship for XXXX. The interest was 500 % so I opted to go through a payday loan consolidation company after I made the first payment. I called the cash store a few days before my due date and let them know that they payment would not go through XX/XX/XXXX and the consolidation company would be handling their payment within the next few weeks. I explained they would be paid but I had to open a new account for the consolidation company to draft from. They have still called my every day multiple times @ home, my cell and work after I have already been told they see the notes on my account regarding the consolidation. At this point they should be only contact me through the mail. I also emailed their corporate office under contact us prior to the debt going into default but no response was received.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Over the course of the last 18 months I have been trying to obtain a mortgage. I have not been able to get approved because there are items being listed as " Dispute '' in several different areas on my credit report with Experian. I have never disputed an item in my life. I have spoken to them on several occasions directly requesting that all dispute verbage be removed. The underwriting system of mortgage companies are rejecting my report based on any dispute items being listed. They have told me they have updated it on several occasions yet it still remains listed. It is listed in all areas including : the status, statement, and comment sections of my report. I have been hung up on by representatives with Experian trying to get this correct. It is preventing my family from moving into a home more suitable to our needs.
Consumer complaint received 2017-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (WA)

I received notification from XXXX ( XXXX ) XXXX dated XX/XX/XXXX ( Exhibit # 1 ) that my home was about to go into foreclosure because I had not paid my property taxes since the second half of XX/XX/XXXX. My escrow is included in my house payment. Exhibit # 2 is a copy of my XX/XX/XXXX property taxes. This shows MY account number ; and displays that indeed no taxes have been received since the first half of XX/XX/XXXX. Exhibit # 3 shows that the monthly property taxes have been being paid out of my mortgage from XX/XX/XXXX. The last page of this exhibit shows, however, that my taxes were being paid to the INCORRECT tax account number, as well as the wrong person 's ( notice the name and address ) name and address. Exhibit # 4 shows a letter dated XX/XX/XXXX showing the agreed upon repayment plan amount of {$1200.00} from XX/XX/XXXX-XX/XX/XXXX. I received in the mail today the updated payment plan ( Exhibit # 5 ) for the remaining eight months XX/XX/XXXX-XX/XX/XXXX payment of {$1100.00}. 
I made 22 phone calls and spent two and a half hours in the office with my adviser, plus numerous amounts of research on my own time to get this situation straightened out regarding my mortgage company, Shellpoint Mortgage Servicing to resolve this situation. The final straw for me was when they raised my repayment plan amount from the agreed upon {$1200.00} to {$1300.00} when I called them to make my XX/XX/XXXX payment. The only response I could get, when asked why, is that 'This is what the system is telling us '. Upon, finally reaching the escrow department, they informed me, the payment was being increased because I had to pay the outstanding tax balance, while they waited for the refund ( from the county ). The mortgage company had made the correction in XX/XX/XXXX. It was at this time, ( XX/XX/XXXX ) I contacted my adviser. He spoke with Shellpoint Mortgage and told them we were going to file a suit and report them to CFBP. I had heard nothing yet, by XX/XX/XXXX ; and wanted to get this situation resolved before I made my XX/XX/XXXX payment. Once again, three phone calls got me nowhere, except " We are working on this. '' I reiterated that I would be starting law suit proceedings and referring them to CBFP. Amazingly, later that afternoon, the supervisor called me directly to state that the escrow situation had been cleared up and the remaining eight months of my repayment plan would be {$1100.00}. I received this confirmation in the mail today, and do not plan to accommodate any adjustments they might suggest be needed.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am having a problem with Transunion. When I checked my credit report in XXXX, there were no inquiries on my report. I just looked over my latest report and found that XXXX inquiries were reinserted into my credit report from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I was never notified of the reinsertion. I called and Transunion says they can not help me.
Consumer complaint received 2017-03-06
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/2017 I deposited a check into my savings account with the understanding that there would be a hold to confirm if its a valid check. I deposited at the branch of People 's United Bank located in XXXX XXXX, CT on XXXX XXXX through the ATM. NO CASH WAS WITHDRAWN ON THIS ACCOUNT. I later received a direct deposit in my CHECKING account from my monthly annuity. On XX/XX/XXXX I received a letter from the bank with a photo of the company check drawn on a out of state bank telling me the account was closed so the check was not valid. On XX/XX/2017 I present to the branch and questioned why my CHECKING ACCOUNT was frozen and my debit card cancelled. The branch manager ; XXXX XXXX XXXX said it was a fraudulent check and their loss prevention department said close the accounts. XXXX XXXX relayed to me that I would not be able to open an account anywhere because I am now looked at as being a fraudulent depositor and it will be reported to XXXX. He advised me to go open another account at a different bank ( i.e ) XXXX XXXX before he closes the People 's Bank accounts. I asked him how can it be fraud if no funds were withdrawn and the purpose of my depositing the check into my savings was for the purpose of being classified as fraud. Today, XX/XX/2017 my funds into my checking account have not been released and i was refused to contact Loss-Prevention to further remedy this problem. 
I would like this matter to be resolved and not flagg as a fraudulent bank depositor and not report me to XXXX.
Consumer complaint received 2016-09-17
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: N.A.R., Inc. (CO)

This debt collector was continuously calling me on the phone and I had to tell them to please stop calling my phone my job to just stop bothering me. So now they went out of their way to actually send a physical person to my girlfriend 's house with fake documents stating that they are suing me for the debt, that is harassment and I want something done about it
Consumer complaint received 2015-08-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (FL)

I entered in a loan modification from XXXX XXXX, with M & T Bank thru XXXX. This agreement stated the total monthly payment as of {$1900.00} ( XXXX, as principal and interest ) + Escrow ( XXXX for Hazard Insurance + Property taxes ). On XXXX/XXXX/XXXX they sent me account Projections and the projected monthly payment escrow would be {$560.00} from XXXX XXXX to XXXX XXXX. On XXXX/XXXX/XXXX they, sent me a new account projections showing that I have {$7200.00} of escrow shortage, thus the monthly payment increase in {$600.00}, it means 30 % increase payment shock. They still are sending mortgage statement requesting payment as of {$30000.00}. Even though, based on the Loan Modification Agreement the amount of {$1300.00} must be applied to Principal + Interest, the monthly statement they sent me did not apply any amount to the princiapal but to an " Unappplied Funds '' something called " Suspense Balance ''. My property taxes are paid in XXXX and the Insurance are disbursed on XXXX. The annual changes of the hazard insurance and property taxes + insurance are increased in less than 1 %, but the escrow amount, according to the mortgagee increased more than 30 %.
Consumer complaint received 2017-04-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

Hello, the interest rate of this loan is variable and it 's never dropped below 10 %. I asked for Navient to give me a break on the interest because for as long as I 've been paying into this loan, its principal balance has n't dropped. I am not able to pay into it as much as I 'd like because I have hardships mainly due to my medical expenses ( XXXX ), but that 's not something they consider. There 's been a lot of time and money lost between now and when I got signed on with them and I have n't got anywhere. After several emails and phone calls with them, they 've refused to give me any help paying this off. There was a time where I could n't pay into it at all and they were calling me relentlessly, at work especially and late in the night when I had already gone to bed, switching between XXXX numbers and private numbers. Of the options given below, I can only choose one, but the list below better describes my issue. These arent all of them. 
1 ) Ca n't repay my loan. 
2 ) Dealing with my lender or servicer. 
3 ) Received bad information about my loan. 
4 ) Getting calls about my loan. 
5 ) Having problems with customer service. 
6 ) I ca n't repay my loan. 
7 ) They wo n't refinance my loan to help me out. They 're perfectly fine with me paying them interest for the rest of my life. 
Thanks for any help that can be rendered.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

Prior to XXXX XXXX, 2016 I provided Experian a copy of the court judgment in my favor and against XXXX XXXX for an account that was showing on my Experian credit report as an inaccurate derogatory entry. 
Despite XXXX receiving the same information from me and immediately removing the inaccurate information, Experian refused to remove the erroneous account from my credit report. Followup disputes to Experian were done via certified mail and by complaints filed with the CFPB while Experian continued to refuse to comply with the FCRA. 
As I stated in my XXXX/XXXX/2016 reply to Case No. XXXX : " In response to my written requests and my first CFPB complaint, Experian failed to provide any evidence or documentation to justify its failure to do a reasonable investigation and comply with the court judgment ( I provided them copies of ) by immediately removing the disputed XXXX XXXX account. Now, without any explanation, the disputed account appears to have mysteriously disappeared from the " current credit report '' supplied by Experian by mail ( report # XXXX, dated XXXX XXXX, 2016 ). '' Since it has been two weeks without any response from Experian, I am filing this complaint to assist Experian in providing me copies of any and all evidence that it possesses or controls, including documents, electronic transmittals, etc., that support its allegation that the furnisher XXXX XXXX validated the debt so convincingly that Experian could ignore a court judgment and continue to report the inaccurate and erroneous information regarding the XXXX XXXX account # XXXX XXXX XXXX XXXX on my Experian credit report. 
Again my mailing address is : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2016-06-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

This is RE : Wells Forgo My accounts where set up to lose money from the beginning there were never a sum in basic math of my checking accounts. When I left and went to the bank I 'm with now I could see a very big difference in how it 's to fair and safe. I was losing money for five years just in my checking accounts. Any one that could see my bank accounts it could easily be seen as I have with my new bank accounts I did not lose a XXXX from my new accounts. This is XXXX dollars over the years. I have had other accounts. A credit card which is called revolving account which I have paid off over and over again till the stilling was just out of control from my deposits many stolen as it entered my account ever month more then Enough to handle these accounts which I did for over three years before the theft. There was also another account were I signed for which I signed for a loan the larges account with Wells Forgo paid it over twice then learned it was a revolving account not what I asked for or signed they have all ready shown me a fraud letter with a signature that is mine that is Identity Theft.
Consumer complaint received 2017-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

I attended XXXX XXXX XXXX XXXX in XXXX PA. I paid them with check number XXXX they cashed it XX/XX/XXXX. I got a loan that totaled {$3500.00}. Then out of no where here comes Navient the loan was pretty much paid off from XXXX XXXX. Navient is stating I owe over 13,000. I have no idea where that number is coming from unless the school forged my signature. I never even got my diploma from the school that ended up closing even though I graduated. So I disputed with Navient after seeing these prices even with interest it is n't possible. They want me to send signatures in so they can " verify '' if it got forged then why would I send them more signatures I 'm not making same mistake twice. I want to see where they take over and now XXXX which should have only been {$3500.00} is now over 10,000 more. As well I have it paid by XXXX, they are even showing that, the loan should be paid off cause completely by now. I truly feel like a victim where these people just keep trying to take advantage of people. I have documents and signatures and everything and they ca n't verify it and want me to send signatures. I want the loan to be gone I do n't believe I should be XXXX withered as these are fraudulent on someone book keeping or something it should n't be my responsibility to pay taxes on these fraudulent charges. I 'm done of them just magically pulling numbers out of no where. I paid XXXX XXXX I paid XXXX and Navient takes over and it 's like I paid nothing at all and surprise in XX/XX/XXXX surprise we added a number we have no idea where it came from. I 'm done, when I first disputed my student loans they said it will be updated in 5 days after a month I get an email saying well no it will take 60 days. Navient is doing something majorly illegal!
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America is forcing me to destroy my credit. I have contact Bank of America multiple times now both through CFP and them directly about issues with my credit card and the payment and interest rates. Each time Bank of America has denied me. Finally I closed the card in hopes that since I was no longer able to use the card Bank of America would help me in making payment plans on the account. Once again I was denied with the only reason being Bank of America feels I should be able to make a payment. The use a credit assessment that they have refused now multiple times to show me. In this you call in and they ask you on the spot to " guess estimate your monthly payments for each item '' They also pull your credit to complete this assessment without your permission. Essentially they want you to over-estimate to show that you are piratically bankrupt in order to each any sort of finical reduction. I was told that " you 've requested this before and you 've still made the monthly payment each month '' The are punishing you for not letting your account become deliquescent because then you have n't shown you are in enough of a hardship. I have explained to them multiple times my student loans are on a pay as you earn so if I get a raise at work my student loan payment increases. In addition even though they do n't request to pull your credit they use your credit report to dismiss claims you make. I have medical bills that I have a payment arrangement with the hospital to pay and I have a student loan through my university all of which do not show up on my credit report. Bank of America said " we do n't see this on your credit report so we have no way of verifying you actually have these payments '' Once again Bank of America uses a system that does not require you to verify any of your income, does not require you properly determine your bills per a month, does not require you to send in any documentation of payments that do n't show on your credit report, and they use a credit report you do n't authorize them access to. After speaking with Bank of America today ( XXXX/XXXX/2016 ) I asked for their legal offices address to send documentation to and they refused. I request the credit assessment sheet they used and they refused to give it to me. I request for the account to be forced sent to a collection agency who I could work with about payment plans. They refused. Bank of America is forcing me to either make a payment ( which I have already informed them I do not have the means to do so ) or to let my account become delinquent have it reported on my credit report and destroy my credit. They are forcing me to continue to bank with them even though I have begged multiple times to be released. Bank of America is creating an extremely hostile environment. They are causing me XXXX and XXXX which are only increasing my medical bills and putting me into more finical hardship.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX  XXXX Balance : {$5300.00} XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2016-04-27
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, 2016 I made a payment of {$2400.00} to Bank of America for my AAA Visa card not realizing that I was signed up for auto pay, so on XXXX XXXX, 2016 the auto payment of {$2400.00} was posted again. I received a statement from Bank of America showing that I had a credit of {$1300.00} ( copy enclosed ). ( in the mean time AAA switch banks and as of XXXX XXXX, no longer have a credit card with Bank of America ) so I called Bank of America on XXXX XXXX, and asked that the credit amount be transferred back to my bank account, I was told that it would take 3 to 5 days for it to post. On XXXX XXXX, I received a letter from Bank of America dated XXXX XXXX stating that as I requested they had transferred {$1300.00} back into my account. 
On XXXX XXXX, I checked my bank account I the transfer had not posted, I then called Bank of America and told them, the person that answer the phone told me that sometime those transfer take up to 10 days. I called back later to ask why would a electronic transfer made on the XXXX, take 10 day to post. This time I Talked to a rep named XXXX after I explained my problem she said the only thing she could do was to file a complain ( no:XXXX ) she gave me a phone number and told me to call the next day to see what they had found. On XXXX XXXX after checking by bank account and finding that the refund had not yet posted I called Bank of America again this time I talked to XXXX who after going thru the whole story again talked to her supervisor who told her that the problem was that as of XXXX XXXX they had no access to my account and that I should call the new bank because they now have my information, this puzzled me but I went ahead and called the new bank ( XXXX I do n't have any other info on the new bank because I have not yet received an statement from them ) they told me that they do not have any info on my account as of XXXX XXXX. Still puzzled as to why the new bank would have anything to do with my overpayment that was made to Bank of America I called back this time I talked to a rep named XXXX, she told me that I had to wait 30 days for the refund to post on my account she did not say anything about not being able to access my account, I questioned why a wire transfer would take 30 days and all she could say that that was the way it was. 
I have spent hours on the phone trying to find a solution and all I get I the run around every time I talk to someone I get a different story, I am filing this complaint because I do n't know what else to do, and I need to get my money back.