davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDICO. INC (SD)

XXXX garnished my wages from XX/XX/XXXX to XX/XX/XXXX of this year. In XX/XX/XXXX, I asked this company to verify the debt and they sent me a letter on XX/XX/XXXX stating they were unable to do so, and that collection was removed. In XX/XX/XXXX I received a garnishment notice from this company for the same debt. I sent a certified letter XX/XX/XXXX requesting debt verification, on XX/XX/XXXX they sent me a copy of a judgment which is not what I asked for. I requested the name of the original creditor, or company, what it was for, copies of any information or signed documents, ect. They failed to provide me with any information that I requested and violated my rights. XX/XX/XXXX I sent the same letter to their attorney via certified mail, she refused to sign for it. XX/XX/XXXX, I sent another letter certified mail tell the Credit Collections Bureau that since they failed to verify the debt they must cist and desist all garnishment until they are able to do so, they never responded and they did continue to garnish XXXX until XX/XX/XXXX. This caused me great hardship. I was unable to pay bills, or rent due to this and was charged many late fees which caused my finance situation to become ever worse.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I discovered unauthorized inquiries on my credit report today, and I am completely baffled by it. My routine check suddenly revealed discrepancies that weren't there before. I refreshed my browser thinking it might be a temporary issue, but the inquiries didn't go away. This problem needs to be fixed now, and I demand that my documents be thoroughly reviewed. I'm really upset and need this issue resolved immediately.
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (GA)

I have a Care Credit account issued by Synchrony Bank. I just spoke with a manager named XXXX, who is located in Arizona, and who claims that the CFPB " makes '' Synchrony issue its confusing monthly billing statements. When I pressed him on this, he said because that the CFPB has approved Synchrony 's billing statement plan, it is tantamount to " making '' Synchrony use the plan. When I said that approving a plan is completely different from " making '' the bank use the plan, he stated it was a " matter of verbiage. '' He became more and more " snotty '' as the phone call went on. 
I have XXXX " promotions '' with Synchrony. XXXX have expired and XXXX are unexpired. Once a promotion expires, Synchrony stops listing it separately on the monthly bill and the customer begins paying interest on the expired promotion. The amount of money making up the expired promotions are lumped together into a " balance amount '' on the bill. Evidently, Synchrony applies the payment amount first to promotions that have not yet expired. If the promotion has not yet expired, that means the customer has not yet begun to pay interest on it. It saves the customer money to have the payment applied to an expired promotion, because that 's the one the customer is paying interest on. The customer has the right to designate which promotion the monthly payment will be applied to. In order to see whether the payment has been correctly applied to the promotion the customer chose, the customer has to work from XXXX separate billing statements and do math. 
I works like this : The month in which the promotion expires is the last time it 's listed separately on the bill. I have an expired promotion of {$320.00}. It was listed as expired on the XX/XX/2017 bill. I asked that my XXXX dollar payment be applied to that promotion, since I 'm now paying interest on it. On my XX/XX/2017 bill, the XXXX dollars was applied to an unexpired promotion of {$320.00} that wo n't expire until XX/XX/2017. Now, on the XX/XX/2017 bill, the {$320.00} amount has been reduced to {$250.00} ( because {$75.00} was deducted from {$320.00} ). 
In order for me to find out for sure if the {$75.00} will be applied to the expired amount, I have to wait for the XX/XX/2017 bill. If the promotion reduced to {$250.00} on the XX/XX/XXXX. bill goes back up to {$320.00} on the XX/XX/XXXX bill, that will mean the {$75.00} was applied, as requested, to the expired promotion of {$320.00}. 
Since the expired promotion will never again be listed separately on my bill, I will have to keep going back to the last bill on which it appeared ( XX/XX/2017 ), and doing addition and subtraction on the recent bills to see whether the expired promotions are being paid as per request. 
By the way, I have to cal Synchrony every month to have the payment applied to one of the interest bearing promotions. 
I suggest that the CFPB look at this system and suggest ways to make it less of a burden on the cosumer.
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PHH Mortgage Services Corporation (AZ)

I, along with my former spouse, originated a home loan in XX/XX/XXXX with a maturity date of XX/XX/XXXX. Upon our divorce in XX/XX/XXXX, I was advised that the loan had been refinanced to remove me from the loan and subsequently signed a quit claim deed to relinquish my ownership rights. In reviewing my credit reports, I have since determined that the mortgage obligation still remains under my name. In communicating with PHH Mortgage, it has been determined that the loan has been modified twice and the terms of the original agreement I signed in XX/XX/XXXX have been changed without my knowledge or consent. The loan maturity date is now slated for XX/XX/XXXX, 17 years beyond the terms I originally agreed to and signed for. PHH was fully aware of the fact that I no longer owned the home ( as they have the quit claim deed on file ) and that the marriage had dissolved as of XX/XX/XXXX, yet they knowingly processed changes to the loan terms without question or concern and did so without ever contacting me or obtaining my signature to agree to the changes. I have called PHH repeatedly to have this resolved and have my name removed from the loan, to no avail. I have even been advised by a PHH representative that they can not provide me with further details regarding the loan activity because I do n't own the home.
Consumer complaint received 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (LA)

I cut service off with a company ( XXXX XXXX ) XX/XX/XXXX. That same company sent a delivery to my office XX/XX/XXXX without approval. They claim my admin. assistant authorized the purchase. Per our company policy, assistants do n't have purchasing power with any vendors. They sent subsequent billing statements, and I repeatedly informed them I had no use for their product. Ultimately they sent me to a collection agency. We tried to reach an agreeable resolution, but that never happened. They would not comply and then turned my account over to collections.
Consumer complaint received 2017-01-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In less than twenty-four ( 24 ) hours Bank of America is intending to conduct a Trustee Sale on the XXXX Deed of Trust, which is ninety ( 90 ) months past due. 
Today, XX/XX/XXXX, Bank of America Appeals Department, Appeals Specialist XXXX, confirmed no Appeals Department determination based on the XX/XX/XXXX appeals review has been issued to me to date. 
Bank of America has not represented to me the scheduled Trustee Sale has been or is going to be cancelled. 
Bank of America has not admitted to any wrong-doing during and throughout the loss mitigation processes. 
Bank of America does not have the right, as a matter of law, to claim ownership and, therefore, any right to sell the debt associated with the XXXX Deed of Trust at Trustee Sale. 
All previously mentioned resolutions are desired and mandatory. 
If I did default on Bank of America, it was ninety ( 90 ) months ago. 
I own my property and home under a claim of adverse possession in accordance with the laws of the State of California.
Consumer complaint received 2017-01-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ZWICKER & ASSOCIATES (MD)

Zwicker and Associates did not follow the proper procedures before placing the garnishment on my checking account and they refuse to allow me to remedy the situation. I called several times to try to come to a settlement or set up payment arrangements, to no avail. I should have had notice of the garnishment and judgment filed against me, but I did not. 

I was never notified of the garnishment by this agency. Instead, I was taken by surprise when I tried to access my accounts at my bank. I was originally summoned to appear in court in XXXX 2016. However, I was not able to appear in court because of recently having had a baby XXXX the week before. 

This agency has refused to allow me to make payment arrangements and as a result, the judgment and the surprise of this garnishment places an undue burden on my household and puts my job at risk. I have XXXX children, have to pay daycare, and most importantly - I have to keep my job so I can pay rent. I am experiencing financial hardship as a result of this garnishment and this agency refuses to show remorse.
Consumer complaint received 2017-02-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

XXXX got a loan for XXXX back in XXXX 2016 ... ..supposed to a six month or early pay " will send attachment '' ... .made payment every Bi Weekly ... ..at first I had no problems then notice then extend my payment schedule to 12 months without my knowledge ... ..I all ready gave {$1000.00} more than enough to pay back loan ... .they tell me its just the principal interest ... ..at almost 980 % interest rate ... .I cant afford it any more and payments have going up .... now effecting my car and rent other bills ... I have stop all communication from them
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (DC)

My Home Mortgage was assumed by Wells Fargo ; when Wells Fargo assumed the loan they took my name off the documents. The loan was set up as my parents as co-Mortgagor and I was a co-Mortgagor. Well Fargo change the loan where it was only in my parents name. Not until 2012 was I able to access the loan. I reported this to the XXXX on three different occasions ; I am a co-Mortgagor. I was given different excuse for my name not being listed ; one was their system was only formatted for two names ; and here recently they said how the names were listed on the deed ; and as I explained to theme my name is visible on the deed and I need my name visible on all the documents. I live in the house my parents do not I handle all business regarding the home. One representative told me I need to assume the loan for my name to some on the loan ; I asked her why do I need to assume a loan I am already one. Every person you speak with gives you a different story. I spoke with the executive office they were very condescending ; I was told ; " You want something you ca n't get ; '' and " You ca n't always get what you want. '' I do not know why this representative felt he could speak to me in this manner was it demographics, gender, or bigotry. I have explained on several occasions to different representatives and the executive office if you are paying for something for the past 30 years you want you name to appear on the documents regarding that purchase. They could get my name on the payment coupon ; but when it comes to official matters regarding the house their system could not process all our names on the documents. I Was charged a late fee on XXXX 's Mortgage ; the payment arrived on the XXXX the office was closed a XXXX, and XXXX was the XXXX ; the payment arrived on the XXXX and the payment was not processed until the XXXX. They told me this payment was was late but previously I was told when a payment is due on a weekend the next business day the payment would be processed. This is another example of Wells Fargo saying one thing and doing another.
Consumer complaint received 2017-01-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I am attempting to go through a short sale for my home for loss of income. Since XX/XX/XXXX i have received nothing but the run around from Bank of America. My agent and I have spent months submitting repeated paperwork that they have asked for. I have a cash offer for my home. Only to have Bank of America switch their negotiators on my agent and I twice, also having to start from scratch. We are now with a third Bank of America negotiator, who continues to ask for the same paper work over and over. She will only contact my agent through email and will not return her or my calls. If their has been any miscommunication, it could have been easily handled with a simple phone call. We have no way of speaking to a supervisor even. My house as been up for auction 3 times and was cancelled. Most recently, the negotiator gave us until XXXX to resubmit corrected paperwork that had already been corrected and re-submitted by my agent but the negotiator claims to have not received. By XXXX XXXX on XXXX she had already emailed my agent a rejection letter via email, not giving us until the end of day. Between the repeated documentation, corrections, threats of foreclosure and no Bank of America supervisor to escalate to, this has been highly stressful and I feel Bank of America is unfair in their practices.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans-union Reporting agency placed information on my credit concerning XXXX and XXXX being behind in payments in XX/XX/XXXX, i only fell behind XXXX time in that time period and it was placed on my credit showing XXXX days past due in XX/XX/XXXX & XX/XX/XXXX. Now its placed back on their again in XX/XX/2017 as if i was just late with my payment, this was corrected by me and all applicable statements and proof that this account was no longer in these creditors were not in this status was provided to them in XX/XX/XXXX. My payments are current and the date that they have listed on the account as last paid is also incorrect. The last payment made on both of these accounts were in XX/XX/XXXX. This is not correct on my credit and its painting a negative image to my name as if i was XXXX payments behind with both of these creditors. Please see attached for XXXX im locked out of XXXX and unable to get credit history for submission.
Consumer complaint received 2016-10-04
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Prosper Marketplace, Inc. (CA)

I got an email say I applied for a loan and was denied for a loan. I did n't apply for a loan. When I called them they wanted to give me a gift card and more information. I told I do n't need a gift card, I did n't apply for a loan. I just want to get to the bottom of this. He gave me the # XXXX ( which I know is just a directory for info ) and said it was the number to he 's supervisor. This is a scam and how did they get my SSN #?
Consumer complaint received 2024-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I have my Public Student Loan Forgiveness loan administered through MOHELA. They are impossible. I submitted a deferment due to a medical issue ( as I do periodically with these loans ) - yet the balance was pulled from my account. I had my bank return those funds as they were not supposed to have been pulled. I started getting collections calls. 

I reached out to MOHELA and literally got no response. Well, I got a chain email explaining loan options that do not address my questions, concerns, nor request. 

I called but MOHELA has an hour wait time so Id love to get this resolved but MOHELA is unresponsive.

This is causing harm because my service provider is not providing service to this loan, resulting in collection calls ( which Ive never had before ), effects on my credit report, and most importantly, my ability to make future deferment requests. 


The real issue is : I have a service need, but the entity responsible for providing those services isnt responsive. At all. I have no means to address my issue. Meanwhile my credit and sleep suffer.
Consumer complaint received 2024-10-03
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

XX/XX/XXXX XXXXXXXX XXXX To follow up to Case # XXXX, I spoke with MOHELA on XX/XX/XXXX at XXXX for 11 mins 9 seconds instructing them to not consolidate. Then again on XX/XX/XXXX after consolidation went through ( on XX/XX/XXXX ) and was told it was being escalated to cancel it. Now, still not reversed back to XXXX XXXX XXXX XXXX XXXX ) and spoke to them again today at XXXX and they stated they saw it requested on XX/XX/XXXX and were going to have to escalate it again today. They say it can take 30 days, and I want this reversal done ASAP as again, I was assured by them it wasn't going to go through on my call on XX/XX/XXXX, then again on my call on XX/XX/XXXX ( even after being told it wasn't going to be consolidated from XXXX, then again had to have it escalated today while speaking to XXXX ( sp ) this morning. This is unacceptable and am filing complaints with other agencies as mentioned. 

This is seriously affecting my Credit Score in a NEGATIVE way and is costing me time, money and emotional distress for something that is being not acted upon XX/XX/XXXX XXXX XXXX The Runaround continues!!! Just spoke to XXXX at Mohela at XXXX, said they don't handle this, that I need to call XXXX  to get it resolved... Called XXXX today at XXXX and spoke to XXXX she says I have to call Mohela. This is insane!!! Nobody has the ability to answer questions. I'm talking to Studen " LOAN '' departments and they all say the same thing, that they aren't " too familiar '' how student loans work... How is someone supposed to get answers on things ( that the FEDERAL STUDENT AID DEPARTMENT ) XXXX XXXX when I keep getting bounced around with STUDENTAID.gov and MOHELA pointing the fingers at each other???? This XXXX XXXX is costing me money and personal stress. This isn't the way I'd expect the US Government to work, but I'm not surprised. You have failed on many levels, and this is a personal matter that is now being failed. Nobody wants to take accountability for their XXXX XXXX Complaints will be filed as I'm tired of being told to call the other place, and then calling that place to be told to call back to the other place ( MOHELA to XXXX to Mohela to XXXX to Mohela etc ... ... ... ) DO BETTER XX/XX/XXXX XXXX XXXX To further the mess, I was told by XXXX to file a complaint with MOHELA, so I go to MOHELA, click " Submit a Complaint '' under their website, and wouldn't you know, it takes me to the FEDERAL STUDENT AID website to submit the complaint .... So which is it, do I file a complaint with MOHELA ( which goes back to this website that I'm typing right now on ) or go to you folks?
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Equifax, a company, and now a victim of the recent hack, has claimed that I am affected by the recent data breach. While I feel they are handling this fairly well, I do feel violated that a company I do n't even know, nor previously came into contact with is reporting that they have breached my credit card information. Please pursue this, as I 'm sure this violates my privacy and unlawfully uses my credit information for business profits.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports