davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NH)

I submitted my mortgage payment using my mortgage companies online bill pay system. The payment was made on XXXX XXXX, 2015. The bank account information I listed was, apparently, off by XXXX number and as a result it never went through. I discovered this today, XXXX XXXX, and contacted my mortgage company to inquire as to why the payment never went through. I was at this time advised that the account information entered was incorrect. I asked that since my original payment was submitted timely, and since the only reason for the issue with the payment was related to an error in account info, that they not report my husband and I to the credit agencies. I was told " too bad, we 're reporting you anyway ''. I never received a phone call, email, text message or notification via XXXX Mail stating that the payment could not be processed and therefore was unaware that payment had not gone through. I do not feel as though my husband and I should be penalized as a result of their inability to provide proper notification.
Consumer complaint received 2015-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R & B Corporation of Virginia (VA)

I have an active account with XXXX. I have been with them for XXXX years. Recently, I cancelled my phone services because they charged me huge amount on long distance call when I did notify me of a promotion extension. I called them and them told me I owe {$270.00}. I made payment arrangements with them. 

About XXXX weeks ago, I got a call from credit control corporation about the same debt. I informed them that they were not valid debt and XXXX had advise me to make the payments with them directly. Another representative called me on the XXXX and I told her the same and she said that 's okay, she will go ahead and update the account accordingly. 

On XXXX/XXXX/2015, I got an alert in the evening that it has been reported on my account by Credit control Corporation after I made payment to cox in the Morning. Attached is a proof of my receipt from XXXX for the payment. 

First, of all, I disputed this charge with credit control corporation XXXX on the phone and requested that they send me something in writing. Informed them that XXXX has told me to make the payment with XXXX directly and did not even know why they had my file. Yet they still went ahead and placed this on my credit dropping my score from XXXX to XXXX. I am in the middle of buying a house and I am not sure on how this will impact my final closure or rate. 

I called them after their illegal action. They told me I need to pay a collection fee of {$45.00} and extra {$7.00} processing fee, even though they did not collect anything and I made the payment of XXXX to XXXX. XXXX told me they have requested the account to be transferred to them direct. As a proof, I went ahead to pay them the collection fee as evidence of their bad practices. 

I called XXXX and asked them why did they tell me they have no knowledge of my account being sent to the collection agency when I contact them to let them know about the initial attempt and they also advised me to ignore the collection agency and make payments with them and failed to communicate this with the Agency. 

This has affected my credit and I need them to be held responsible for this! 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( M ) XXXX ( O ) XXXX ( F ) XXXX XXXX XXXX, XXXX Ext. XXXXXXXXXXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-04-22
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENOVA INTERNATIONAL, INC. (VA)

Yes early this morning got a call from my mom telling me that i had a XXXX out for my arrest. So she gave me the number XXXX and i proceeded to call. I talk to a representative to see if i could resolve my status in my debt she told me i owed {$750.00} and they said they needed me to pay {$250.00} right now to get my account back to active for my payments and i told her i could n't pay {$250.00} now. I could pay them {$50.00} a week since i get paid e very week so she told me no. And said that if i needed to get a lawyer because they are taking me to court. So i just called XXXX minutes ago. And i talked to a person of XXXX XXXX and i told him how they was threatening my mom about me having a warrant and i could only pay {$50.00} week when they wanted me to pay {$250.00}. So he said well could you pay {$75.00} a week i told him no i could do {$50.00} a week. So he transferred me to a lady name XXXX XXXX and i proceed to tell her the exact same thing as i told XXXX and XXXX XXXX asked me could i do {$100.00} and i told her no because i only get {$100.00} a week on my paycheck so XXXX XXXX proceeds to mock me saying where do i work i told her XXXX XXXX XXXX she said well it says right here u get paid {$10.00} a hr and i told her i been there XXXX years and i do n't get paid that much. So then XXXX XXXX proceeds to ask me do you stay with your mom do you have XXXX etc. and i told her i can only pay them {$50.00}. a week. She pauses and says XXXX XXXX lets get this clear how do you live off of {$100.00} a week and i told her XXXX is good. Then she says if we ca n't take the {$50.00} a week we need the {$100.00} and if we do that that 's gon na be all your money. So i said so you 'll cant help me out she said no. and i said ok and bye and hung up the phone. I do n't like how she tried to make a mock of me about my finances. The only thing i was trying to do was too make a payment with them.
Consumer complaint received 2015-11-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Recovery Management (AZ)

This is a XXXX XXXX XXXX XXXX Credit Card Account that is is my name but I did not open it. It says the account was opened back on XX/XX/XXXX. I did not open the account and it was a result of identity theft. I called XXXX XXXX when the account was still open back on XX/XX/XXXX and told them that I did not open the account. They said that they would look into it and get back with me. I called them once again on XX/XX/XXXX and asked them why the account was still open, they said that they have came to a " resolution '' and will close the account. They never did. The account is now in collections and they keep calling me and asking me to pay the account off when I never even opened the account. I explain to them that it was a result of identity theft and they still want me to pay for it. I have contacted XXXX because that is who it is reported through and they have not responded to me for over a year now. I keep calling them and they say that its still in the mail. Which I do n't understand how it can still be in the mail after a year.
Consumer complaint received 2015-07-21
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MN)

My aunt is XXXX years old and has been banking with Wells Fargo bank for years. She is a " XXXX '' customer. My aunt assigned my sister and me as her POAs a few years ago. Until about a year ago, my aunt has handled all of her own affairs with minimal assistance. Last year she moved into an assisted living apartment. I went to Wells to get info on my aunt 's accounts so I could set up budgets. They would not honor the POA unless my sister and I were there together. I have had NO problem with any other organization, getting information about my aunt once I have provided them with the POA. Last week, my sister flew in from CA and we went to Wells together to get information. What we were asking for : ( 1 ). that I could inquire about my aunts fund. ( 2 ). I could negotiate rates on her CDs. We were told that Wells Fargo would not honor our POA. My aunt, at XXXX, is very suspicious about any request about her banking. I have been told by her nurse that this is very common in the elderly. I do not want to upset her. I do not want to tell her that Wells Fargo is taking advantage of her. She believes that she is a XXXX customer and that they are taking care of her. I do her taxes annually and see her CD income. Last year on approximately {$90000.00}, she received & lt ; {$50.00} interest. I was told that my aunt 's CDs are on auto renew so she receives the published rate. Right now that rate is .05 %, my local community bank is paying .40 % -1.3 %. This is how they take care of their " XXXX '' customers? I see why they do n't want me coming in negotiating rates for her. In my opinion, this is XXXX Abuse! The second part of my complaint stems from the actual POA. I gave it to the personal banker to send to their legal dept. I remember it sitting on her desk, right in front of her. When we left, I forgot to take the POA. I called the next day and the personal banker told me that she gave it to me. She had n't. I had brought XXXX folder in with me and it was not in there when I left. She told me that she was n't in that office today that she would check on her desk when she got back there. I called her manager to complain. He told me that she would have locked it in her drawer, and they would call me Monday. I called them on Monday and the personal banker was out. I called back today and left a voice message with the personal banker, no returned call. I called a XXXX time and her voicemail account was full. I am very frustrated and now have to pay for another copy of this document from my aunt 's attorney. I am just trying to be an advocate for my XXXX year old aunt. I do not want any access to her money, other than inquiry and the ability to advocate for higher CD rates for her. I do not want to upset her and drag her through this process. I do n't want her to know that she is being taken advantage of by an organization she trusts.
Consumer complaint received 2015-12-31
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I attempted to file a graduation application during " no fee '' period but XXXX computer system did not work, would not allow me to file. XXXX charged me {$50.00} for graduation fee, but then acknowledged in writing that I was not at fault because their computer system did n't work. Merchant now refuses refund. I disputed charge with card issuer First Bankcard, submitting copy of XXXX fee schedule showing no fee due and the email acknowledging I was not at fault. The credit card person apparently either did n't read my letter or did n't understand simple XXXX, and arbitrarily disallowed my dispute.
Consumer complaint received 2015-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

I have a loan with XXXX XXXX at XXXX XXXX XXXX XXXX. Pa. XXXX Their phone # is XXXX. XX/XX/XXXX I have received a message EVERYDAY on my home phone from XXXX at XXXX. His message varied about wanting to increase the loan and also stating I have not made my XX/XX/XXXX payment on time. Since I have auto pay with my bank and have never missed a payment to anyone in my life -- I basically ignore the calls. They continue. On XX/XX/XXXX I call XXXX. He says I did n't make my XX/XX/XXXX payment. I go online while he is on the phone and find the payment and and the picture of the check and stamp from XXXX. He does n't believe me-so I have to fax a copy of the cashed check to him. Then INCREDIBLY I get home and he AGAIN is on my home phone message saying that I have to now send a copy of my bank statement to show my bank took the money out of my account. I find that unbelievable but I complied. I have now sent by mail a copy of my bank statement with the check number and showing the bank cashed the check. XXXX calls ( Ihave all the messages ) -then a fax of the cashed check ( still not enough ) and finally I have to send my private bank statement to hopefully stop this harassment!!!! This co. and this employee need to be kept in check. Absolute harassment to make someone prove they paid you after I send them a copy of the check they cashed!!!
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have been disputing and requesting validation of a debts I do not owe AND basic inaccuracies on my credit report for months now, and TRANSUNION has not only been evasive, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. NAME- XXXX, XXXX : XXXX XXXX XXXX Acct # : XXXX - Not Mine, No proof of debt Or ValidationXXXX XXXX Acct # XXXX Not Mine, No proof of debt or ValidationXXXX XXXX XXXX Acct # XXXX Not Mine, No proof of debt or ValidationINACCURATE INQUIRIES : XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXPlease be advised that this is not a refusal to pay the debt, but a observe sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) you claim that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to pull an inquire. I am requesting proof that I am the accurate party to these or gave authorization to pull my credit, and a XXXX, which is binding on me to pay this debt. This is NOT a request for " corroboration '' via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my name Date or Birth SS and correct address XXXX XXXX XXXX XXXX, KY XXXX accordance with section of the Fair Debt Collection Practices Act. Or i request this be removed as soon as possible. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt? Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature or authorization.
Consumer complaint received 2015-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I was wrongful evicted ( and I have the paper work to prove it ) but a collection company is refusing to remove this debt! My eviction says {$590.00} the collection company says {$1300.00}!!!!!! this is crazy!!! 
and my apartment has no records of this information. Can I sue this company for :! .Violation of the Fair Credit Reporting Act 2.Violation of the Fair Debt Collection Practices Act 3. Defamation of Character
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (ID)

This phone caller continues to call my home phone number repeatedly regarding billing, products and collections. I have never had an account with said company nor have I applied with them yet they call my home phone repeatedly. Please have them comply with your recent Consent Order # XXXX. The number of the caller has been XXXX XXXX.
Consumer complaint received 2015-06-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

I have been instructed by SunTrust Mortage rep over the phone that I need to come up with {$11000.00} cash to be able to cancel MIP or Mortgage Insurance from my FHA loan. I have secured the fund with difficulty and mailed them the check ; however, the institution declines to cancel MIP. The office of president is simply telling me it was a mistake! I want Suntrust either remove monthly MIP or refund my fund with damages that caused me such as processing fee, application fee and the interests on the fund.
Consumer complaint received 2016-01-14
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My chipped credit card issued by FIA card services was hacked in XXXX. Several charges were removed from my bill but one charge made XXXX XXXX, 2015 for {$350.00} was made at a XXXX XXXX store and I have been assigned responsibility for payment. FIA requested documentation and got a copy of a credit card receipt from XXXX XXXX store XXXX obviously without my signature on the receipt. At that point FIA said I was responsible for the charge which is inaccurate. 
I have filed a report with Pennsylvania State Police. Case number is XXXX.
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX is reporting a credit card account as being a charge off and it was included in my bankruptcy as shown on my experian report.No account can be charged off past the filing date by federal law according to the FTC.To report past the filing date is a violation of my stay and my confirmation that binds creditor and consumer at the time of filing.Also XXXX XXXX is reporting my bankruptcy date as XXXX and as a charge off in XXXX which is totally incorrect.My bankruptcy filing is clearly shown on my Experian report as XX/XX/XXXX.They also filed as a creditor for payment from any proceeds and were electronically notified by the court. I previously disputed and Experian investigated and verified this false reporting and did not remove or correct it.The FCRA says i am entitled to a fair and accurate report and investigation if i dispute.How thorough an investigation could have been done if Experian can not verify information shown clearly on their own report.I accessed my free report from XXXX and viewed it 2 times and printed it. I tried to access it again and Experian said i had accessed it to many times, and asked me again to send them forms of identification with any disputes.I previously on XXXX XXXX sent them the following by certified mail and was signed for by XXXX XXXX XXXX, copy of my D.L., copy of my utility bill and my bankruptcy schedules.So what next do i have to send a blood sample too.
Consumer complaint received 2016-02-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Midwest Acceptance Corp. (MO)

Midwest Acceptance Corporation is trying to recharge me for a car loan that has already been paid off. I appeared in court twice specking with Midwest Acceptance Attorney 's and showed proof that the car loan was paid off and I no longer owe them. However, I have another court date about this matter on XXXX XXXX, XXXX. Enclosed is a copy and proof that Midwest Acceptance Corp. no longer has a Lien on the XXXX Ford. Here we see that the names on the acceptance letter. They noted that the interest on the XXXX Ford was satisfied as of XXXX/XXXX/XXXX they also released us the title.
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

I closed on my loan last year and escrowed for taxes and insurance- I have repeatedly submitted a copy of my HUD 1 and Initial Escrow Account Disclosure statement which clearly identifies that my account was set up with escrows for both taxes and insurance. I had to submit the documentation several times and Ocwen refuses to acknowledge that I am escrowing for insurance as well as taxes.
Consumer complaint received 2015-07-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (AE)

This is the second complaint I have filed against Sallie Mae. I took out several loans between XXXX to attend school overseas at XXXX University. After studying I was married and moved overseas once again with my husband for the military. Finding work here is scarce and we are relying solely on a single paycheck. I have now been dealing with attempting to repay Sallie Mae since XX/XX/XXXX, I am clearly frustrated and at loss of what further action to take! I have been attempting to make payments which have been reversed/not accepted and my total balance and interest are constantly increasing to unreasonable heights. After being forced into forbearance multiple times, and paying hundreds of dollars that will never be applied to my loans, I am now being threatened with the default of my loans. I have asked numerous times for the amount to be reduced to an achievable payment and this request was, of course, denied as well. This company will not work with me, only against me, and I am feeling quite out of options at this point.
Consumer complaint received 2016-01-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: DISCOVER BANK (NY)

I went to the offices of XXXX & XXXX who are debt collectors. When at the offices i signed an agreement to pay off my debt that they represent ( Discover Bank ). While there I provided documentation for the initial payment thru XXXX XXXX. When it came time for my second payment I was instructed that my settlement agreement was nullified due to non-payment of the first stipulation payment. Upon investigation it was XXXX who was in error because the funds sent for payment was confirmed by XXXX XXXX that they received the funds and the voiding of my stipulation was in error.
Consumer complaint received 2016-02-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

My XXXX XXXX husband my a XXXX Quick Pay transfer from his XXXX account to my XXXX account for {$550.00}, on XXXX/XXXX/2015. On XXXX/XXXX/2015 I did not see the money in my XXXX account. When I inquired to XXXX, they said it was accepted into a Wells Fargo account ending in XXXX, via clearxchange. I checked my personal Wells Fargo account, it did not end in XXXX and the money was not there. I called clearxchange, they said they only act as a clearing house for money transfers and that it 's a XXXX issue. XXXX says it 's a Wells Fargo issue and Wells Fargo does not find the money anywhere and says it 's a XXXX issue. NO ONE IS HELPING ME!! I have a " transaction number '' yet it seems to be worthless. WHO CAN I GO TO FOR HELP TO RETURN OUR {$550.00}?