davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: CREDIT BUREAU OF NEW ULM, INC. (GA)

Phoenix Management XXXX ... Debt Collector contacted me about XXXX separate online Music supply stores. XXXX was XXXX XXXX. {$230.00} EA. AND THE XXXX ONE WAS XXXX XXXX # XXXX for {$500.00}. I told the guy on the phone, I would much rather pay the exact places back because I had a Music credit card with them and I did n't want to permanently lose my credit. He said, '' Well, if you start a payment plan with us, It will keep your National credit clean and these XXXX accounts will fall off your credit. Everything 's going as planned. The XXXX XXXX get paid off and drop right off my credit. Then XXXX XXXX # XXXX for {$500.00}, After an additional 6 weeks than normal and 15 fax 's, The balance is XXXX but the {$500.00} credit that has been as hard as building a PYRAMID! IS STILL THERE? i PAID XXXX % TO HAVE IT CLEANED UP AND INSTEAD GOT XXXX % CLEANED UP. THEY CAN EITHER " CLEAN UP '' THE OTHER {$500.00} AND MARK IT UNPAID AND SEND IT BACK TO WHERE THEY GOT IT. ME! sINCE THEIR XXXX % BUYING % PRICE= {$150.00} A ) OR B )
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NM)

Approximately 60 days ago I sent several letters via the Unites States Postal Service to Experian requesting proof of authorization for several credit inquiries I do not recall giving permission for. I have not recieved final response, I have not been furnished with any proof of authorization and Experian has failed in their duty to delete entries they have not provided sufficient proof for.
Consumer complaint received 2015-10-26
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY (GA)

On XXXX, XXXX, and finally on XXXX I attempted to transfer {$21000.00} from our account at Wells Fargo to our account at XXXX. On the XXXX I contacted XXXX from the Wells branch on XXXX XXXX XXXX and he provided specific instructions to make this transfer through XXXX, XXXX 's fed wire agent ( routing number, account number, account name, etc. ) while on a conference with Wells ' desk officer. The instructions were prepared by the desk officer and the funds were wired. Next day the funds were returned as owners of the XXXX account had not been included. This was corrected on the XXXX but again the funds were returned due to a typo. On the XXXX the exact title of the account was recorded and the funds were again wired ; however the account title was too big for the computer field and the last XXXX letters of the last name were truncated. Unfortunately this wire was accepted and the funds were applied not to XXXX 's account, but to the account of a XXXX retail customer. When XXXX finally determined what had happened, on XXXX or XXXX, they messaged Wells to explain and further said the funds would be refurned within XXXX days. On the fourth day XXXX informed Wells that they had gone to the incorrectly funded account to retrieve the money but the funds were n't there and therefore XXXX would not be returning the funds and that furthermore XXXX was closing its case on this transfer. Iwas informed of XXXX 's decisions on XXXX and further told that as XXXX had closed its case there was nothing further that Wells could do and that Wells, too, had closed its case. The matter was eventually referred to an " executive resolution team " and on XXXX I was informed by a team member that there was nothing that the bank could do : " We have our rules. If you are unsatisfied by our decision you should get a lawyer ... ''. I responded that only Wells Fargo had the standing with XXXX to argue for the return of the money and I believed that Wells was obligated, at least by good business practice to pursue my claim ; but was told again to get a lawyer - " ... ..we 're sorry, but we have our rules and there is nothing that I can do. " I am told by attornies that litigation will likely cost more than {$20000.00} and that Wells ill likely respond by giving the matter to XXXX of its retained law firms with the instruction to make this problem go away. As courts are reluctant to award damages to cover the cost of litigation it seems that I am frozen out. Frankly, I suspect that this arithmatic is central to the bank 's " rules '' which seems predatory. I am pursuing counsel and every other venue which I can think of.
Consumer complaint received 2015-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Home Mortgage sent inaccurate information about my payment history to the credit reporting agencies. Wells Fargo stated that i was late with my payment in XXXX of 2013. 
In fact, this information is inaccurate and misleading because I was never late with my payments and I always was sending my payments before due date. There is no shred of evidence to support Wells Fargo Home Mortgage report that my payment was received late. The WFHM reporting is not accurate and in violation of the Fair Credit Reporting Act. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ....
Consumer complaint received 2015-11-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XX/XX/2011 I paticipated in the " XXXX XXXX '' program with the XXXX located in Illinois. In this program, the dealership takes possession of your current XXXX vehicle and puts you into a new XXXX vehicle. This was not a repossession - this was a dealer incentive program. 
Bank of America has reported a late payment XX/XX/2011. In fact Bank of America is reporting paid as agreed payment history from XX/XX/2011 through XX/XX/XXXX. 
I disputed the incorrect late payment with XXXX 12 months ago. Bank of America refused to correct the history. 
I am disputing the late payment again with XXXX. I am filing a complaint with your agency in hopes the incorrect payment history will finally be removed. I am also reviewing my payment history with XXXX and XXXX.
Consumer complaint received 2015-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been attempting to settle a charge with XXXX XXXX XXXX for over a year now. I do not have the collector info. This was a workman 's comp case and the insurance company info has been provided many times both through the company I work for and the insurance company. I do not know if any attempt was make to contact the insurance company, but the charges will be paid completely by them. I would like to have this open charge removed from my credit report.
Consumer complaint received 2015-05-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (MD)

I would like to report Southwest Credit, which is attempting to collect a debt on behalf of XXXX. I had automatic bill payment with XXXX. I cancelled my XXXX service when I moved, and promptly sent back the equipment. Somehow, XXXX is claiming I have an outstanding debt and is trying to use Southwest Credit to get that back from me. Alternatively, Southwest Credit is purely a scam trying to get my credit card information. 

Please instruct XXXX and/or Southwest Credit to leave me alone, as I do not owe them a dime. I am paid in full with XXXX and will mercifully never need to use their services again. Please also let me know if I need to report XXXX 's practices to the FCC, as I know I am not the first person to have an issue with XXXX 's terrible approach to customers.
Consumer complaint received 2015-10-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

My son was readily provided with numerous school loans from XXXX in XXXX. I cosigned a loan for him six years ago. When he was unable to afford all of the monthly balances, I stepped in to help several years ago. I made a large payment believing the loan was almost satisfied. It has taken me two years to get answers, loan paperwork and exact balances. In the past two years, after countless phone calls and letters from my end, interest capitalized. I requested an ombudsman this XXXX but was actually connected to a Navient employee. My concerns are lack of explanation to my son when borrowing all of this money, lack of communication to me as the cosigner over the past several years, and incorrect statements by Navient. One example of this was a recent conversation with a " top '' loan administrator who insisted that I should have known about increasing interest penalties due to monthly statements. I have never received statements and was told on several phone conversations that as the cosigner I had no right to specific information. As it turns out, they did not have my address correct. Statements were never received by me. I corrected my address with Navient in XXXX of this year, and have yet to receive any statements on this account. In order to reduce the extremely high interest rate, I borrowed as much money as I could three months ago to pay down the loan. I have a small balance left to Navient, and still can not get statements. I have also tried several times unsuccessfully to pay online these past two months. The insistence that I should have known all along what was incurring is incorrect as statements were not received by me. The address they had on file this summer was not even an address I recognized. I was also told repeatedly over the past four years by phone that I was not allowed to get specific information, which I believe as a cosigner is also incorrect. Interestingly, I recently heard an interview on XXXX by a young woman stating that she was offered and given numerous loans from The XXXX XXXX XXXX XXXX XXXX, XXXX, without a clear understanding of how much debt she was actually incurring. These young people are getting themselves turned upside down financially unknowingly before they even have the opportunity to make an income. My frustration is the way Navient mishandled communication and has cost me thousands of extra dollars.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX & XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX & XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2015-06-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XXXX XXXX I sent a debt validation to Midland Credit Management in regards to their entry on my credit report. They received this letter on XXXX XXXX. In my letter I stated that I was not aware of any debt owed to them and to please remove their entry from my credit report. On XXXX XXXX they sent me a letter stating that they understand I 'm disputing the accuracy of their records but after reviewing the account they were unable to determine the nature of my dispute. 
In my letter to them I said I was n't aware of anything owed to them. That 's the nature of the dispute. On their letter to me at the top it has creditor name as Target and balance of XXXX. This is the same name and amount that is on my credit report. They did n't provide me with anything new about how and why I owe the amount. This is a blanket letter they send out to anyone that tries to get the debt Midland says is owed validated. They 've also continued trying to collect on the debt by sending a letter with payment options on XXXX/XXXX/2015 as well as updating my credit report with the information.
Consumer complaint received 2015-11-30
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Weber & Olcese, PLC (MI)

Our son was in an auto accident and was injured. He now has very serious health problems. He had a XXXX credit card. He tried to pay it but it was sold to XXXX after XXXX filed for bankruptcy. He continued to pay on it, even though he continually explained his situation. He was trying to get his life back and reestablish his credit rating, and get any debts paid. 

he was taken off of work for a period after the accident and they found more very severe health problems. He had informed W & O and Portfolio in the last contact and it went ignored by them and they followed through on this default against him- a person with very severe medical problems. 

This past year, he was served with a summons. He did not understand what to do and kept paying the debt.He paid them over {$100.00} out of good faith and agreed to pay his debt, just wanted them to work with him. He has paid, XXXX and twice in XXXX of 2015, receiving letters of receipt back from XXXX/Weber and Olcese thanking him for his payment. 

He continually asked for the summons to be dropped. He is unable to talk on the phone regarding any financial debts, due to previous harassment and comprehension difficulties. This was stated several times in complaints and contact he had made to them, both in writing and to the CFPB. 

We believe that we are authorized to contact on the account. If not, we would at least like the CFPB and public to be aware of the harassment our son, with health problems is going through even though he is making payments to these XXXX companies. 

This week, he received a default, enforced by the same company that had been sending him thank you letters for his payments and that he has paid over {$100.00} to these past two months. XXXX of the receipts are enclosed. In the past two months, he has made XXXX payments. {$100.00}, {$12.00}, and $ XXXXXXXX.this default has now destroyed his credit.
Consumer complaint received 2015-11-30
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Our son was in an auto accident and was injured. He now has very serious health problems. He had a XXXX credit card. He tried to pay it but it was sold to Portfolio after XXXX filed for bankruptcy. He continued to pay on it, even though he continually explained his situation. He was trying to get his life back and reestablish his credit rating, and get any debts paid. 

he was taken off of work for a period after the accident and they found more very severe health problems. He had informed XXXX & XXXX and Portfolio in the last contact and it went ignored by them and they followed through on this default against him- a person with very severe medical problems. 

This past year, he was served with a summons. He did not understand what to do and kept paying the debt.He paid them over {$100.00} out of good faith and agreed to pay his debt, just wanted them to work with him. He has paid, XXXX and twice in XXXX of 2015, receiving letters of receipt back from Portfolio/XXXX XXXX XXXX thanking him for his payment. 

He continually asked for the summons to be dropped. He is unable to talk on the phone regarding any financial debts, due to previous harassment and comprehension difficulties. This was stated several times in complaints and contact he had made to them, both in writing and to the CFPB. 

We believe that we are authorized to contact on the account. If not, we would at least like the CFPB and public to be aware of the harassment our son, with health problems is going through even though he is making payments to these two companies. 

This week, he received a default, enforced by the same company that had been sending him thank you letters for his payments and that he has paid over {$100.00} to these past two months. XXXX of the receipts are enclosed. In the past two months, he has made XXXX payments. {$100.00}, {$12.00}, and $ XXXX default has now destroyed his credit.
Consumer complaint received 2015-11-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CO)

We have a mortgage with Ocwen, XXXX, FL XXXXXXXXThe property is at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXAccount number XXXXIn XXXX 2011 we found that we could no longer afford the house. Because we both have bad health our son asked us to move closer to him, XXXX, XXXXWe put the house on the market with XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. The house was being sold as a short sale. XXXX XXXX found an interested buyer with cash. The buyer agreed to all of the terms Ocwen requested. Ocwen proceeded to drag their feet and after many weeks went by the buyer went elsewhere. 
After that point Ocwen told me that I had to have everything removed from the house, appliances, window treatments, everything down to the bare shell. I told them we could not afford the house and they should go ahead and foreclose, an empty house was not going to sell. When the buyer walked away so did our realtor, he said he could not deal with Ocwen anymore. 
Since that time Ocwen has continued to call us numerous times a week, starting at XXXX and continuing until XXXX. 
Every week we get numerous letters from them. They say we 're in foreclosure but continue to harass us. With continuing medical problems that both my husband and I have we ca n't stand the constant calls. We find it difficult to understand what they are saying and asked them not to call, just go ahead and foreclose. After that last conversation I had with them I have received a half a dozen phone calls in one week and numerous pieces of mail. Some of the mail says that I requested it, which is not true. This company ignored a buyer with cash, the only offer to buy on this house. Now they hound us daily. 
If you can do anything to resolve this matter it would be greatly appreciated. If the house had gone through the short sale we would have received approximately {$2000.00}. I think that 's why Ocwen did not accept that sale. Then telling me everything had to be removed from the house, which I did. But I 've spoken with other people and they say they 've never heard of such a thing. 
The price of the house keeps going up with them. A once {$35000.00} house they now want $ XXXXXXXXI think they are crooks, there was absolutely no reason for them to turn away from the cash that was offered, which was an amount they had set. 
They keep saying it 's in foreclosure but they 're doing nothing but harass us. 
Please help us.
Consumer complaint received 2015-10-24
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NJ)

Rush card did update on XXXX XXXX and has had issues to this date, money is missing, fees applied out of nowhere and phone calls are not being answered, this date I am locked out of account and not able to reach anyone, left messages with no return calls!
Consumer complaint received 2015-10-24
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CA)

I currently have an active Best Buy Credit Card and have recently been charged over {$700.00} of interest charges from a purchase from a promotional balance that was due by XXXX 2015. The issue thatI have is that each month I have been paying $ XXXX {$200.00} more than theminimum payment so that I would not have this issue. I recently called the credit card company and they said there was nothing they can do. I was specifically told that if I wanted to pay my promotioal balance I was to pay more than the minimum payment. I did thisand do not have an extra {$700.00} to just throw away. I would like best buy to credit me the difference in each payment I have made like they said would be done so that I do not need to pay anadditional interest fee of {$700.00} on top of my current balance.
Consumer complaint received 2015-10-24
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (OH)

I been a customer of rush card since 2009 I never had a problem until now I XXXX XXXX to my account now XXXX weeks later my account balance is XXXX I call every other day and they take my information and say they will call me back but no call
Consumer complaint received 2015-10-24
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (IL)

I lost my pre-paid debt card from rush a replacement was sent to me within 9 days and i was not able to activate my card. I had my direct deposit in my account a week previous. I was told that rush card was going through a systems upgrade and since their systems were down their activation line wasnt working i was locked out of my account and couldnt view it. And after waiting on hold for several hours after being hung up on multiple times by rushes automatic phone system. I was told by customer service i would just have to wait until it came back up and no time line was given but until then i couldnt access my funds. I called daily for nine days before i saw a post on social media telling me to reset my account at this point now having XXXX checks direct deposited that i couldnt access. I was finally after day ten able to email rush my account info my account was unlocked i was able to remove my money. Im now late on my.car payment rent phone bill and cable with delinquent fees. And now i have to pay a XXXX dollar down payment on my phone due to a service interruption. This has severely disrupted my life i had to borrow from friends and family to feed my son. Rush should not be allowed to block people from their accounts for ten plus days with no viable information.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit Collection Services, Inc. (WA)

The collection agency explicitly told me that if I paid on time and paid the monthly amount they wanted that I could avoid having a negative mark put onto my credit report. 

After paying them on time, and paying the amounts they requested, they then reported the collection AFTER I had finished paying them off. To be clear - They held off on reporting the collections debt until I had finished paying them off in full WITH interest as well! 

In addition to that, the last written email contact I had with them when requesting an exact amount to pay off had them reply back with " about {$110.00} ''. They did not give an exact amount. On my last payment I paid {$120.00}, just to be safe. I never received any confirmation that the debt was paid off nor have I received any money owed back ( if we stick with the assumption that I owed {$110.00} and some change, then they owe me at least {$4.00} and some change )! 

The only way that I know the debt was paid off was by the collection remark on my credit report showing a {$0.00} balance on the collection amount and it being marked as paid.