davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-30
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US) (KS)

I reached an agreement with Allied International Credit to pay on a XXXX student loan. The agreed upon amount was {$300.00} per month and began in XX/XX/XXXX. I set up this amount to pay to AIC via the " bill pay '' service offered by my bank. This amount was paid every month. 

I contacted AIC in XXXX to request an accounting of payments and amount remaining on the account. AIC told me that XXXX had " recalled '' the account in early XX/XX/XXXX. Neither AIC nor XXXX informed me that the account had been " recalled '' and the AIC CSR said neither was required to do so. I contacted XXXX who verified that it had recalled the account in early XXXX. However, since I was unaware that the account had been recalled, the automatic bill payment continued on XX/XX/XXXX, and XX/XX/XXXX. I have been attempting to get AIC to return to me the {$600.00} overpayment. AIC claims their accounts do n't show any payment, which I believe to be a lie. I provided documentation to AIC proving that XXXX {$300.00} bill payments were made to AIC after XXXX recalled my account and now AIC and its CSRs wo n't answer or return my calls.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I hope this message finds you well. I am writing to request your assistance in updating several accounts on my credit report. I have noticed that some of the information is outdated or incorrect, and I would like my report to accurately reflect my current financial situation.
Consumer complaint received 2024-08-10
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. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that
is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

After Carrington Mortgage Services purchased my loan from XXXX, they never notified me and I missed a payment. The next month, after realizing, I went online to make a payment and they would not allow it. They said I had to register with XXXX XXXX and send the $ that way. This did not seem right, so i did n't do it. I then contacted them again and they said I had to pay both months. At the time, we were not able to do that, so they asked me to fill out the loan modification paperwork in order to get that payment rolled back into our mortgage. This started a grueling nightmare project for 6 months of filling out paperwork, faxing XXXX pages at a time and then them continuing to say they never recieved it. I sent all the paperwork, completely XXXX different times, yet they " never received it ''. I called many many many times, trying to get this worked out, only to be put on hold for XXXX minutes, or to be told they needed something else ( that I had already sent ) or even re-telling my entire story becaus eno one had made record of it. For 6 months they let this go on. When I finally got everything in ( or more like they found it ) they processed my loan modification and then came back and said we did n't qualify and our house would go into foerclosure if we did n't pay the full amount due.
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TN)

I called Wells Fargo Home Mortgage on XXXX, XXXX/XXXX/15, to give them my promise-to-pay on XXXX/XXXX/15 via my bank online bill-pay ( so that I have my own record of the payment ). Our payment for XXXX is due XXXX/XXXX/15 - XXXX/XXXX/15. I also told WF about mailing my escrow shortage payment. The customer service employee told me she would notate my account. 

On XXXX/XXXX/15, Wells Fargo Mortgage called my husband today regarding our account. WF wanted to set up auto-pay for XXXX 's payment, but my husband informed them I take care of the finances, and he told them we do not owe the XXXX payment. Wells Fargo tried a three-way phone call with me, but I was unavailable at that time and could not take their call. They preceded to tell my husband our mortgage payment was over 30 days late, and do we plan to vacate the premises. He told them no and he needed to talk to me to see what is going on. The customer service employee then tells my husband that our account is not over 30 days late. Whoops ... .My husband asked for a manager and talked to someone, but he was still upset about the phone conversation and the lack of research the employee completed before calling my husband. 

I called Wells Fargo Home Mortgage on XXXX/XXXX/15 to inquire about our account. 
I was informed that I called Wells Fargo on XXXX/XXXX/15, but the customer service employee did not notate my account as promised. Had that employee done their job correctly, my husband would not have received this phone call threatening our house.
Consumer complaint received 2015-06-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I believe that I am a victim of predatory lending and bad business practices. I was promised a superior education that was to be followed by a dedicated staff that would stay with me through the hiring process when I enrolled at XXXX XXXX of XXXX XXXX in 2006. I was sold a dream that did not exist and pressured into signing for loans that I did not understand. Once it was found that I would not be able to fund my education completely through XXXX form of federal loan I was informed that there was another type of federal loan. They proceeded to tell me that all I needed to have in order to guarantee funding was XXXX individuals with poor credit that would automatically get denied and their permission to do a credit check so that I could benefit from the other loans. This is what we did. We used my mother and sister as potential cosigners and once they were denied the financial aid office told me I was eligible for full funding. Within a few minutes they had whisked me away and had me sign paper after paper. I started to become hesitant and it was at that point my recruiter began to give me a speech about how I was older than the traditional college student and that I needed to jump on this opportunity now if I ever wanted to amount to someone who could provide for my family. She told me it was extremely hard to make it through life with a lower class job and that this may be my one and only chance to get out. At no point did they ever tell me that the loans I was signing up for were private loans that would not follow the same deferment guidelines as the federal loans. From what I understood all of my loans were federally funded. 

Obviously I signed up to be a student and during that time ran into many roadblocks that made me regret choosing XXXX. It was't until much later when I decided that the school was a fraud that I was informed my credits would n't transfer. I only decided to stay because I was informed that my degree WOULD transfer and that I could obtain my XXXX at another school. Upon graduating I found out that was a lie. None of the state universities would touch me. The only schools willing to look my way were other high dollar schools such as XXXX and University XXXX XXXX which cost up to $ XXXX out of pocket. Now today I am stuck with $ XXXX in debt ( will be $ XXXX by the time interest is paid ) and a degree that I can not use. Payments are expected to be around {$700.00} a month but who can afford that and live? This story can be heard from victims all over the nation and something needs to be done. 

My loans were originally through XXXX XXXX but are now handled by Navient. I believe XXXX XXXX was aware of the bad lending procedures at XXXX and other for profit schools and turned a blind eye. They did not have to provide XXXX with the ability to provide funding to students but they did and now students everywhere are drowning.
Consumer complaint received 2015-08-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I inadvertently missed scheduling XXXX and XXXX 2015 payments on the Navient website and when I realized this made payments for both months on XXXX/XXXX/15. Yet on XXXX/XXXX/15, Navient reported the loans as charged off to XXXX. To my knowledge the loans I have cosigned for have not been reported as charged off for awhile ; I have been making on-time payments for almost two years ; well over XXXX in payments. However, if the loan was already in charged of status, why is Navient reporting it to the credit bureaus as a new charge off for missing XXXX payments rather than XXXX payments were missed? If Navient has the loan status as in active repayment, how is it that the loan is charged off for missing XXXX payments? Lastly, technically payment for these loans were current as of XXXX/XXXX/15? Why did Navient on XXXX/XXXX/15 report the loans as charged off/delinquent? I would like these loans placed back in active repayment status and the charge off removed from my credit report. XXXX missed payments versus a charge off is like saying an apple taste the same as an orange.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XX/XX/XXXX, a Collection Matter appeared on my Trans Union and XXXX credit reports, in the amount of $ XXXX Collection was an alleged amount owing to XXXX. 
I disputed this Matter, and it was removed from my XXXX and Trans Union credit reports, in late XX/XX/XXXX 
As of XX/XX/XXXX, the inappropriate Matter has been reinserted to both my Trans Union and XXXX credit reports, this time, under the name of XXXX. 
The amount of {$660.00} is the same, further proving this is the same alleged Matter, again misrepresented by another Collector. 
I ask that this inappropriate information be once again removed from both my Trans Union and XXXX credit reports. 
Should you have any questions, please do not hesitate to contact me at your earliest convenience. 
Again, thank you for your continued assistance with this Matter. 

Sincerely / XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Management Company (NY)

I have a medical bill on my credit report. I carried state insurance at the time of the services. I contacted the doctors office and it was to be taken care of. Now its listed on my credit report. I called the debt collector and explained the situation and asked that it be disputed. She refused to dispute it and hung up on me. The creditor information isCredit Management Company ( XXXX ) XXXX am dumbfounded to be treated so rude and I am upset that my rights were refused.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion has a habit of ignoring fraud information. Fraudulent inquiries were submitted using a false address that I did not belong to mi. And they refused to delete the hard inquiries and dispute the companies solicitation practiced on or around XXXX XXXX, 2015 today I spoke to Transunion Speciality Handling dept Supervisor and had the call recorded as I gave her several CFPB reports regarding the false address information. I asked for thier legal dept to call back and she hung up. For the last time I informed them that it is illegal not to investigate and dispute fraud inquiries. I am a government XXXX member & never signed anything asking the agency for a loan. No where did I sign application or ask for a single dollar from any affliation and I want total immunity. I am tired of Transunion illegal practices.
Consumer complaint received 2015-08-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery Associates is reporting inaccurate information on my credit reports. I submitted a direct dispute in compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4 to Portfolio with supporting documentation and received an unacceptable response from them. A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). XXXX XXXX is not my creditor. I have attached a copy of my credit report showing where Portfolio has inserted a multiple tradelines in my credit reports. This reporting is frivolous and inaccurate. Please see pages XXXX - XXXX of the attached credit report to view the inaccurate information. Also I attached a copy of the direct dispute letter that was sent to Portfolio Recovery certified return receipt requested.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I contacted Capital One to file a dispute on a charge that showed on my account. They asked me to send in all info supporting my claim and get it to them by XXXX XXXX. I received a letter dated XXXX XXXX that my claim was declined. I firmly believe that Capital One never investigated my case as they should have. I sent in all the correspondence showing that I cancelled. I sent them the company cancellation policy. Even after this, the Manager I spoke with was bold enough to ask me for a copy of the cancelation I gave to cancel the service. I sent them the email proof that my registration was not completed which was the first reason why i should not have being charged. Capital One did not fulfill their advertised {$0.00} fraud liability which was my biggest reason for confidently using the card at all times. They were professionally inept
Consumer complaint received 2016-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (GA)

Case # XXXX & XXXX, I received the attached email from ocwen ; the outcome did not resolved the matter. I have been going back and forth with Ocwen for the past seven month and it is unfair to me. I 've struggled and paid my mortgage on time for the past years & I deserved my fair recast.
Consumer complaint received 2015-07-29
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Federal Cash Advance, LLC of Oklahoma (TX)

CashMax loan that was paid for.Now a company is threating me with jail time if I dont pay off the loan. That has been paid. Also says they are trying to collect on behalf of the bank. XXXX who I use to bank with. 

XXXX XXXX was the name he gave meXXXXXXXX
Consumer complaint received 2015-10-08
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (MT)

The statement I receive in the mail from Chase for my Amazon credit card includes my full account number. I contacted Chase and requested that this be changed - it has been months and my current statement still shows the entire account number. Mail is not always delivered to the correct address and this seems to be a security problem that could and should be corrected. If it is an attempt to coerce customers into receiving a digital bill - I believe I have the right to receive a paper bill that does not include my full account number.
Consumer complaint received 2015-05-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (IL)

We were contacted by Chase that they suspected credit card fraud on our card for {$5.00}. We verified the other purchases by could n't verify that one that they stated originated from XXXX. Our credit card was immediately stopped and they mailed a new credit card to us.
Consumer complaint received 2015-03-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (IA)

My issue is with American Education Services. I took out several loans to pay for my education at XXXX College in XXXX, NE. The college is now defunct. This company is constantly leading me astray. I 'll call for hardship programs, and representatives will tell me I have time available, only to find out that I did n't. This causes my loans to because delinquent, and the amount to skyrocket. Currently, over the past 6 months, I have had many different representatives tell me different things about the state of my loans. The most important being that paying any amount will keep you out of default. I had XXXX rep. explain that even {$10.00} a month would keep a loan out of default. In XXXX of 2015, I finally spoke to a " Loan Specialist ''. The properly reassured me that there was nothing else they could do to help me, to record all my conversations with loan reps due to their history of being inconsistent, and to write a letter to try and sway my creditors into allowing me financial help. The woman said the letter probably wont help, but it might be worth a shot. She then reassured me that I was n't even near default. A week later, I received calls and letters about default. 

This company also raises the interest rate greatly, and it fluctuates all the time. I 've been paying on my loans for almost ten years, and my amount owed as INCREASED! This company is deceitful, and does n't properly train their employees. There is also no protocol for misinformation/negligence on the behalf of the company. The blame always falls on the person that is paying. At this point, I will probably never be able to pay off this debt in this lifetime.
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I submitted a request for a modification review with my lender, Rushmore Loan management on XXXX/XXXX/2015. My authorized 3rd party and I spoke to them mulitiple times after this and they stated that they received the documents for the modification review, but they are denying it because they want to proceed with the foreclosure sale of the home on XXXX/XXXX/2015. Please help, I want to save my home!
Consumer complaint received 2015-05-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today Friday, XXXX XXXX, 2015, at around XXXX, I came with my mother to get a check deposit. We had to wait a long line. Finally we got to the counter and met a guy name XXXX. Because my mother had an issue about the check and already talked to another man named XXXX so XXXX told my mother to come back which is today. XXXX then called XXXX to come and talk to us, and XXXX made us so confused, the check can be deposited but he said he was not sure, etc. ( although my mom has resolved this issue with XXXX before and now she was just coming to deposit ), and he turned us to the advisor named XXXX ( she was XXXX ) because he thought my mom did n't understand him. When my mom talked to XXXX I was n't there but when I came back my mom said XXXX told her that just deposit it. Then we had to wait a long line again. When we finally came to XXXX, XXXX called XXXX to come. I then know why my mom did n't understand because XXXX talked to her with the most unrespected way ( my mom is old ), XXXX was very impatient and despised her which made me nearly cry since I was standing there and she was my mom! The check finally got deposited ( thanks goodness! ), that take hours which actually could be done in a few minutes right in the beginning, what we received was both confusing and feeling tired, insulted.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

Its been over 30 days and the creditor XXXX XXXX XXXX Account number XXXX has not updated the information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payment on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible