davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas) (OK)

Berlin-Wheeler Inc. and XXXX XXXX are attempting to collect an amount of {$430.00} of which I do not owe. Berlin-Wheeler has failed to attempt to contact me or send my a sheet breaking down all cost showing why i owe the balance of {$430.00}.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NC)

unable to monitor my credit report. tried to sign up with complete premier product ca n't sign up. error in there system will not fix it. tried numerous times. but since I have been a victim of identity theft they do n't care. and wo n't fix the error. some one can access my credit but I ca n't monitor it.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (KY)

The Credit Card Accountability Responsibility and Disclosure Act of XXXX requires that when a borrower makes payments in excess of the minimum amount, the extra amount must go to balances with the highest interest rate first. Discover card has failed to do this for at least a year, causing me to pay over {$400.00} in interest that I should have not had to pay. Their not following the law is most obvious last month ( XXXX XXXX ) when I had a balance of {$2400.00} subject to a 22.24 % interest rate, and a balance of {$6400.00} with a 0 % interest rate. The minimum payment on XXXX statement was {$170.00}, however I paid {$6500.00} for that month 's payment, which is obviously a lot over the minimum payment. Since so much of this payment was over the minimum payment, according to the Act, the {$6300.00} over the minimum should have gone to the {$2400.00} at XXXX & interest, and should have paid that balance off completely and no more interest should have been incurred. Instead, on my XXXX XXXX bill, there is still a balance of {$450.00} subject to the 22.24 %. This has been happening through XXXX. I contacted Discover customer service at the end of XXXX and questioned them about this and they said that I did not understand the law correctly and that they could apply the payments in a proportionate percentage. Upon my reading of the statute, and other commentary I 've read regarding the statute, I believe that Discover is incorrect and is charging interest when I should have been able to pay off the 22.24 % interest balance a long time ago through my consistently paying more than the balance. I do not know the exact amount they would owe me for this incorrect application of my payments, however I believe it to be over {$400.00} from both XXXX and XXXX interest charges that were charged incorrectly.
Consumer complaint received 2016-06-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

I have an FHA loan and it was sold without my ok to Ocwen- the worse company I ever encountered. I feel 2 months behind due to fianacial difficulties. They claim they will help you and work with you, they do not. I tried for a loan modification 3 times, and every time they come up with a way that it can not be processed- 'We need more information ' 'We need this to be filled out ' 'We need new paystubs as this is time sensitive information and the paystubs are out dated now ' 'we need a new year to date ' 'we need a letter from your employer ' on and on their excuses went so 3 times I applied and 3 times it never went through. I asked them to extend the loan 'we can not do that ' I ask for a forbearance -which in their letter is 'temporary reduction or suspension of payments, or the ability to make regular monthly payments without contributing toward past due amounts ' We asked for a repayment plan- they wanted {$470.00} in a week - I said where I am supposed to get that amount in a week- they then said if you can not pay it in a week then you can not do the repayment plan. They also keep sending letters and charging us for them- if they are sending them they should be paying them not me- They are charging me {$140.00} for all these letters they keep sending. They are charging me {$510.00} in late fees- Why ca n't late fees be dropped the letter fees be dropped and give us a payment plan with so much extra per month for the 2 months I an behind. They are threatening me to foreclose on me. I make my regular monthly payments I just fell 2 months behind and with other bills- car, car insurance, health insurance, lights, garbage, sewer, water, credit cards, food, oil, gas etc that I can not get the XXXX payments caught up. Why ca n't they extend the loan 2 months- it is a 30 year loan and instead of maturing in XXXX of the XXXX year extend it to XXXX? They can easily do that and then that would make us caught up with out payments and note be late Please I need help. They also have raised the minimum payment numerous times- I started paying XXXX per month they have it up to XXXX per month. I know interest rates have gone down- I have a fixed FHA at XXXX. Why ca n't they refinace the FHA and bring the rate down
Consumer complaint received 2016-12-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (TX)

I have a medical collection on my credit report that does not belong to me. It was incurred 4 years ago in XXXX, KY where i have not lived for the past 7 years. I have communicated this with Central Financial Control, I have received no proof that this debt is mine. I found myself in a situation that required me to pay off collections on my credit report, I paid this with the understanding that they would delete it from my credit report, I need your help getting this erroneous information removed from my credit file.
Consumer complaint received 2016-06-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I received a e-mail form XXXX XXXX about a Pre-Approved loan for debt consolidation. This e-mail was sign by XXXX XXXX XXXX Loan Officer. The scam or fraud was to get money out of my account or the bank using bad checks. Union Bank XXXX Fraud Management did a XXXX investigation for the bank and fixed the blame on me but the checks went through the bank and they did not put a hold on them plus the bank do not have a system to check for a bad check. The scam was to put checks into my account and for me to return there money through XXXX. The bank close my accounts and I could not pay my bills for the month XX/XX/XXXX. I am sending you all of the information for this case so you can see if you can do anything for me. Union Bank still want me to pay {$2000.00} for XXXX checks.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America - attempt to get a mortgage rate modification Case number : XXXX On Page XXXX of Proposed Resolution Letter Final with Enclosures, referring to the paragraph " Our research confirmed ... '', I was unable to pay such an astronomical amount to reinstate the account. This is their reason for attempting to foreclose and take the house from me. The lawyer ( referred to below ) advised me otherwise regarding making payments, submission of required documentation, and qualification for a loan modification which was reversed several times. In addition the bank tried no less than 20 times to foreclose during this period when they did n't give me a chance to try and make payments, because they wanted an astronomical amount to reinstate and yet also unfairly disqualified me. 
This is unfair and will appeal this outcome until I am properly recompensated. Please also contact the attorney below who claimed he was trying to work with the bank on my behalf. 

XXXX XXXX, Attorney -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Virginia XXXX Office XXXX Mobile XXXX Mobile XXXX Email : XXXX XXXX ( Assistant ) -- -- -- -- -- -- -- -- - XXXX Non-Attorney Staff Member XXXX Virginia XXXX Office XXXX Fax XXXX
Consumer complaint received 2017-01-23
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I placed a cashiers stop payment on a check from Bank of America the check was verified at the time as not being cashed yet, I was sent to a public notary with a stop payment Form. Bank of America Associate informed me that I would receive the funds in my account.And I never received anything Back.
Consumer complaint received 2016-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is violating Federal Law as follows and they must remove the Bankruptcy Record. 
Based on The Fair Credit Reporting Act -15 U.S.C. 1681, I request that you remove of the Bankruptcy Filing statement in my credit report. Your Agency is in violation of The Fair Credit Reporting Act -15 U.S.C. 1681 The Fair Credit Reporting Act -15 U.S.C. 1681 states of the Credit Bureau running reporting period to be no more then 10 years. 
However, in section 605 of the Fair Credit Reporting Act, the requirements relating to information contained in consumer reports 15 U.S.C. 1681c ( C ) Running of Reporting Period of 7 years for section ( 4 ) and ( 6 ) only. NOT for Section ( 1 ) It does not mandate under federal law, 10 years for Bankruptcy in reporting time, such as 7 years or 10 years. There is no minium in running of reporting time. The federal law is very clear as it states no longer then 10 years but it does not address any Running of Reporting Period for Bankruptcy.. 6 Months? 12 Months? 2 Years? 3 years? 4 years? 5 years? 6 years? 7 Years? 8 years? 9 years? 10 years? 
Thus I have the option under section 605 of the Fair Credit Reporting Act of the Fair Credit Reporting Act to request removal as deletion 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
C ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
Based on The Fair Credit Reporting Act -15 U.S.C. 1681, I request that you remove of the Bankruptcy Filing statement in my credit report. Your Agency is in violation of The Fair Credit Reporting Act -15 U.S.C. 1681 Your violation is legal case for Defamation of Character besides Federal Penalties under The Fair Credit Reporting Act -15 U.S.C. 1681 as you have no legal grounds C ) Running of Reporting Period. To the Bankruptcy
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I have for the last five months asking for validation that the following accounts XXXX # XXXX, US BKPT CT TX XXXX # XXXX, US BKPT CT XXXX XXXX XXXX, and US BKPT CT TX XXXX # XXXX from Experian, I have not received the information that I requested. I would like the name of persons that the credit bureau used to validate these accounts, instead they send letters saying that they are correct, but they are not correct and I would like them to remove them immediately or will be forced to file lawsuit against Experian under the Fair Credit Reporting Act for removal and up to {$1000.00} for each violation.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have repeatedly disputed a listing on my credit from XXXX XXXX and all they have posted that was verified. They have not sent me any information or how it was verified. This is a repeated ongoing issue with Transunion and other major credit bureaus.
Consumer complaint received 2016-11-16
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Solutions Group, LLC (CA)

I am an accountant for XXXX XXXX XXXX XXXX, the president is XXXX XXXX. They owe money to XXXX/Recovery Solutions Group LLC./ XXXX, a gentlemen by the name of XXXX XXXX have been harassing my client with phones calls. He calls her cell and her business all the time too early or too late. He called her landlord, and he called my office. I spoke with him once and I asked him to please not to call my office any more. I explained to him that I was the accountant, but I do not pay their bills. At that conversation, he claims that I called him, and that I left a message threatening to harm him. I told him that I did call him nor left a message, and that I am a XXXX, that I do not threaten people. He said what being XXXX does not mean anything, at the end of the conversation he told me to pay my bills. 
I told him that if he calls back my office. I was going to record the conversation, and I was going to file a report against him. He called back again and keeps on calling. 
This morning I was listening to my messages, and I noticed the he called twice the last time was on XXXX XXXX, XXXX at XXXX am. He calls and plays a message that was left to him. The message was left to him, my XXXX on my employees who claimed to be me. I did not authorize the phone call and I was not aware of the message until this morning today XXXX/XXXX/XXXX at XXXX XXXX 
The message is asking him to stop harassing our client and to stop calling her, the landlord and our office, that if he did not stop calling that our client was going to take legal action. In the message there is a part that says that " her medical records are going to be more expensive for you '' I guess it was meant that she is getting sick by his harassment, and that she will charge him for the medical bills. However, also it may be interpreted that his medical bills may be more expensive, the word " her '' if taken off could me misinterpreted. I saved the recorded message that he keeps on playing when he calls my office. 
I really do not see the reason why XXXX XXXX keeps on calling my office and keeps on leaving the recorded message into my voice mail ; I do not see the point of harassing me. I have many clients I never had a situation like this before. 
Here I am attaching emails that I have received. 
I want this company to be fully investigated for the harassment that he is doing to my business. I am not part of any actions that they may have against my client, I do not owe them any money.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have hired a company to resolve this and they have not been able to do so. XXXX XXXX has reported information correctly about my payoff. The Credit Bureau is mispresenting the information. There were two late payments because of XXXX 's error. The mortgage was paid in full and closed in good standing.
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I attended the XXXX XXXX XXXX XXXX XXXX XXXX, a for-profit school, from XX/XX/XXXX-XX/XX/XXXX and graduated with a XXXX degree in XXXX. Well during that time no information was available about for-profit schools, accreditation, etc, so I had no idea what I was getting myself into. My student loan payments have always been estimated over $ XXXX/month because I was n't working and the of course the 10 % variable interest rate kept my interest growing rapidly during the time I was in deferment ( my balance has now doubled ). I am now an adult with a steady job ( no career because my degree is n't worth anything ) and I am trying to get financed to purchase a home. My private loan payment is now $ XXXX/month which based on my income makes me ineligible for an fha loan, I even looked at applying for an interest only payment which reduces my payment to {$800.00} which does not help me because I still will not be able to afford a house or an apartment in a decent area. I called Navient today to see what is the lowest payment I could potentially get and they left me on hold for an hour and 20 minutes, basically a waste of my time because no one ever picked up. These private student loan companies are ridiculous and I 'm not sure how anyone is ever expected to pay their loans back when they can get a high paying job with a worthless degree that the Department of ED allows students to receive funding for whether it be title IV funds or a private lender. 

I attended the XXXX XXXX XXXX XXXX XXXX XXXX - XXXX which I believe is now XXXX XXXX.
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (GA)

My Bloomingdale 's American Express ( Citibank ) credit card was compromised on XXXX. Fraudulent charges were made on this account and it was closed immediately. I have not re-opened the card and do not intend to. I was instructed by Bloomies/AMEX Fraud Dept. to file an Affidavit ( which they sent me ) listing charges, with a Notarized Document and with my Drivers License copy. I promptly complied with this instruction and these materials were faxed on XXXX and again on XXXX with no response. These faxes were received however, see Attached Confirmations. To date, there has been no resolution or response. I called on XXXX ( Operator XXXX ID XXXX ) and XXXX and on XXXX ( XXXX Operator ID XXXX ) and again on XXXX ( Operator ID XXXX XXXX ) and each time after waiting over 60 minutes, was never connected to the Fraud Dept. In interim, I have been harassed by numerous phone calls and letters indicating that I owe monies and calls from collection firms. Bills continue to be sent with finance charges being added and compounded. I have been unable to secure credit from other creditors and am now applying to various executive banking positions that require credit checks and am told that my credit rating has been adversely impacted by this account at the XXXX credit agencies. Citibank ( Bloomingdales AMEX ) refuses to respond after now 120 days after my initial reporting of this fraud. They have negatively impacted my credit bureau reporting and have made me wait hours on the phone. Their fraud number is a number that does not address consumer complaints as they never pick up on that number. This number is XXXX. When I call this number, I am immediately routed to the collections department and then told to wait. See attached documents. I also called this morning, XXXX and after one hour of waiting hung up the phone.
Consumer complaint received 2016-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XXXX/XXXX/2016 I received an alert that Transunion had decreased my scores by XXXX points. I called and spoke with them and they said that I had negative items an my report. I told him that these negative items carried zero balances and the only recent activity on my report was an inquiry and that did n't amount to a XXXX point decrease. They also removed an account earlier from my report that I 'm still making payments on. I have n't seen that account on my report since XXXX. Why would they remove accounts from report that is active and timely payments are being made on this account.
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: American Capital Enterprises, Inc. (CA)

American capital enterprises, XXXX XXXX XXXX, XXXX, XXXX, ca XXXX. phone, XXXX. The company states that this collection belong to me, which it is not accurate, please advice XXXX credit report to delete this collection from my account, my report number with XXXX is XXXX.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (OR)

My mortgage was transferred from XXXX to Freedom Mortgage without my knowledge. I believe the transfer occurred in XX/XX/XXXX. I continued to make my monthly payments, on time, directly to XXXX as I always had. 

I made electronic payments via XXXX online billpay for the amount of {$1500.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. XXXX has stated that they forwarded those payments to Freedom Mortgage on XXXX, XXXX, and XXXX respectively. XXXX has assured me that all of those payments were forwarded electronically - not via paper check. 

Freedom Mortgage received the first XXXX payments and applied them to my account, but they did not receive the XXXX. XXXX has not returned the XXXX payment to me and has also repeatedly refused to provide any proof of them forwarding that payment to Freedom Mortgage. Freedom Mortgage has repeatedly assured me that they have not received that payment. Neither company is willing to contact the other to help me resolve the issue, even after weeks of numerous calls and emails to both companies. My mortgage account is now in default, and despite having an impeccable credit history my credit record is now in jeopardy. 

During every single call to XXXX I have asked them to provide a transaction ID for that third payment of {$1500.00} that they claim to have transferred to Freedom. They have refused to provide any unique identifier or proof of payment to help me locate this payment. XXXX stated that the only way for one to find out more information about this transaction is for Freedom to directly contact XXXX processing department. Freedom has refused to do that, and also refused to allow me to conference both companies onto the same call to resolve the issue. I 've launched multiple research tickets with both companies, and they have not made any progress in locating the missing payment nor disclosing any transaction information that would help me to do so. 

It 's also worth noting that I made my XX/XX/XXXX payment to Freedom by check to prevent any further issues with my account, but they incorrectly applied it to the missing XX/XX/XXXX payment. So while they are showing I still owe them for my XX/XX/XXXX payment, it 's the XX/XX/XXXX payment ( which I made on XX/XX/XXXX to XXXX via XXXX online billpay ) that either XXXX failed reimburse or forward that is currently missing.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TCF FINANCIAL CORPORATION (DC)

My mortgage was transferred to Chemical Bank 3 months ago. Every month the bank has assessed me a late fee. I 've made my payment on time however the bank is not applying the funds to my account for several days, causing the late fee. The bank has waived the late fee each time I 've phone in. I 'm frustrated that I have to take my personal time to call the bank for a mistake they are making.