davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have written all XXXX major credit bureau 's at least 3 times each trying to clear up my credit score. Since their responses are so similarly obfuscating and unresponsive, I believe that they illegally work together! Please investigate them for illegal collusion! 

My credit history used to be excellent until XXXX loans I took out on condominiums in XXXX, XXXX were defaulted upon. I did sign for these loans, HOWEVER, I was scammed out of ownership of these properties. I do not own them. 
They are owned by my former accountant, XXXX XXXX and his wife, XXXX. That information can be easily checked. ( They were supposed to have been owned by an LLC that we owned equally, along with XXXX other condominiums in the same complex, however that was either not done or illegally undone. ) I diligently tried to work with the XXXX banks originally involved ( XXXX, XXXX and XXXX XXXX ) to buy the loans from them or to cooperate with a repossession. The banks recurrently failed to follow through on our ( mine and an attorney ) discussions. 
There were also title issues ( the XXXX condo 's were in XXXX different XXXX buildings for which the legal addresses and the street addresses of the XXXX were mixed. ( " We '' owned all the properties so it should not have been a bug issue! ) I also tried to help resolve this issue and hired an attorney. He too could not get the banks to cooperate. 

The Mandelblatts have, recently, resolved XXXX of the XXXX loan issues. I am not involved. 
XXXX XXXX informs me that he is willing to resolve the last loan, but the bank is refusing to work with him, but is trying to resolve the property tile issue. 

I would like my good credit score restored. The credit bureau 's seem unwilling to understand or accept my plight. I pay MY bills. 

I pay the mortgage on my home ( which they bizarrely claim I dispute along with the XXXX loans! ) I pay all my other bills on time. I simply refuse to pay for mortgages on properties I do not own. 

I refuse to accept that my credit score should be impacted by this when the holders of the mortgage debt refused to work with me to resolve the problem and could have been made whole. ; the properties have sufficient equity to fully reimburse the creditors. They just refuse to cooperate and/or act. 

I have lost over {$250000.00} and the banks are not at risk of losing a penny if they work with me or use their legal authority. I should not have my credit history and ratings destroyed because I was scammed and the banks either are ( XXXX of the XXXX ) or can be fully reimbursed. 

Please help me get through to the credit bureaus who are jointly deaf. I want my good credit ratings restored. 


XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Temporary address ( expected until XX/XX/XXXX ) during my remodel : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

I've called many times to tell them this does not belong to me. Sent my social and license to prove it isn't mine. No one is doing anything. They went back instead updated the amount owed but kept reporting it on my account which isn't mine.
Consumer complaint received 2023-02-25
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: BOEING EMPLOYEES CREDIT UNION (WA)

These inquiries are INACCURATE and were NOT AUTHORIZED to be reported in my credit reports. 


I am demanding that these inquiries be DELETED immediately. 


The inquiries are noted as follows : BECU XX/XX/2022 was not authorized, I am demanding this inquiry be removed from XXXX immediately. 
BECU XX/XX/2022 was not authorized, I am demanding this inquiry be removed from XXXX immediately.
Consumer complaint received 2016-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION (OR)

When I applied for student loans through the fafsa government website I was approved for a certain about of student loans. A couple of loans I had taken were from an agency by the name of Alaska Commission on Postsecendary Education ( ACPE ). The loans I agreed to take were all federal loans. I did not apply for private loans. I found out about a year ago that a few of of my loans through them were actually private. I did not apply for private loans. I had only applied for loans through fafsa which are federal loans. Now that I am in repayment status, the " private loans '' do not have the same terms as the federal loans and I had absolutely no idea when I received these loans they were not federal and did not have the same terms. I am in a bind now that these so called 'private loans ' do not offer the same income based repayment plans as do the federal loans. They do not qualify for consolidation with my other federal loan lenders and I had absolutely no idea this occurred. I have XXXX loans with ACPE, XXXX of which are considered private state loans. How is it that XXXX of these loans are private and the other XXXX are federal? I had no idea and was not informed of these not being federal. I signed the promissory notes ; however, they are the same for all the loans I loaned from them. None of the promissory notes specify any difference between the state private loans or the federal loans. I was misled. I was not given the correct information regarding these loans or I would have not taken them. I intended to not take private loans out and it appears as though I did and I am not sure how that occurred. I need to find help with this matter as they are hounding me regarding repayment now. They are not offering lower payment options like the federal loans offer and frankly, I can not afford the minimum payment they are asking. Especially with the low wages available to people at this point, I am unable to pay bills, let alone student loans. I did obtain my degree ; however, I am realizing it was a bad decision and wish I could just get a refund and return my degree. XXXX is a joke. Please help.
Consumer complaint received 2017-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2017 I was a patient at XXXX Hospital ER in XXXX, Texas. My insurance card ( XXXX  XXXX ) clearly states that the co pay for ER is {$150.00}. My card was charged XXXX without my knowledge. ( I will address billing issues with XXXX XXXX separately ) I did not authorize this charge and did not sign anything. I have notified Barclaycard Visa of the situation as an unauthorized charge and an overcharge. I sent them all pertinent documentation. This is a complaint against Barclaycard. I also told them the address on my receipt did not match the billing address on the credit card and that the charge should have never been authorized. I have received communication from Barclaycard notifying me there is nothing they can do as I did not submit proof of an overcharge. They claim I authorized the charge, and I argue I did not. There is nothing with my signature anywhere. The Visa in question ends in XXXX. Barclaycard 's address is XXXX XXXX XXXX, XXXX, DE XXXX.Barclycard customer service is rude and not at all helpful on the phone.
Consumer complaint received 2016-06-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Vengroff Williams, Inc (NY)

I 've paid the debt directly to the clinic I 've visited before they send out the request. Simply because I did n't keep the confirmation number, they were n't able to get the record for payment and insisted me to pay again. 

I ended up paid the amount again simply because the amount is not large and the whole process is super annoying.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

My mortgage comp any, America Servicing Company, merged   with  Wells Fargo. M y mortgage is now held at  Wells Fargo Bank.      This incident recently happened on  XXXX   XXXX ,   XXXX  , this has happened twice in the past. I submited a monthly payment and the bank duplicate the paymen t and overcharged my account. My mortgage statement showed two ( 2 ) payments deducted on the same day for the same amount. Wells Fargo char ged my account a lump sum payment in the amount of {$870.00} as oppose to  two  individual payments in the amounts noted below.   Example of the duplicate payment in the following amounts :  XXXX  - {$430.00} - applied to principal and interest  XXXX  - {$430.00} - applied only to principal ( suspicious activity as I have never submitted a principal only payment in the history of the loan payments ) I called the bank and the representative could not assist as she claimed there was a confirmation of payment sent to me of the full dollar amount. She could not confirm the confirmation number or advised where I could locate the payment confirmation number.   I only submitte d one payment ; however, we can not find the proof of the confirmation of the customer submission of two ( 2 )  payments.     This has happened in the past in  XXXX , on my second mortgage in the amount of {$1400.00}. They went into my account and process duplicate payments in the amount. Again, my account went into overdraft, which alerted me to investigate further.  ASC/Wells Fargo a dmitted error but did not do anything to prevent future occurrence. This recently happened again in  XXXX    XXXX  .     The only notification was my account went into overdraft for the payment that was submitte d three times by Wells Fargo and  that is how I realized there was suspicious activity on my account.     I would appreciate the CFPB investigating further of this practice that most customers are unaware  of Wells Fargo submittin g payments on their behalf of which the customer did not initiate.     I appreciate your help!
Consumer complaint received 2023-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

Since last year, I have been trying to get the PMI removed from our loan. This was in process when we got switched to a new servicer, Freedom Mortgage. We made additional principal payments to bring our balance down to approximately 79 % of the original purchase price and sent multiple messages to Freedom Mortgage requesting in writing that the PMI be removed as required by the Homeowners Protection Act. They replied that we would still need a Brokers price option per investor guidelines and sent us a letter instructing us to pay {$100.00} to remove the PMI. This is despite the fact that home values in our neighborhood have risen considerably and our loan amount is less than 80 % of the original purchase price.
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (FL)

My mortgage was transferred from XXXX to Caliber Home Loans. The first payment due on my account was XX/XX/2016. I made three payments via online banking ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) prior to the transfer. The second payment was applied as a principal reduction so it did not advance my due date according to the statement I received which was fine since we intend to make XXXX payments a month. The third payment to XXXX sent on XX/XX/XXXX was returned to me by my bank and credited back to my bank account on XX/XX/XXXX because their was no active account for the money to be applied to. I " resent '' the third payment to the new company, Caliber on XX/XX/XXXX and have continued to make payments to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. Problem # 1 ... According to my statement, the payment sent XX/XX/XXXX was applied to my account but reversed and entered into unapplied funds, then there was an escrow disbursement for it. I called Caliber to question it and was told they received an invoice from XXXX that they were owed a payment, so Caliber sent them a check. So, my account received no credit for that payment. Problem # 2 ... The balance on my mortgage with XXXX at the time of the transfer was a certain amount, but when I received my first statement with the new company the balance increased by {$460.00}. The due date on the account also varied by XXXX month. With XXXX I was due XX/XX/XXXX, but Caliber was showing me due XX/XX/XXXX. The due date is not a concern to me since we are paid ahead, but I believe this is part of the problem. Problem # 3 ... I 've been in contact with Caliber to discuss my account and the issues with the unapplied payment and balance difference. I 've sent them a bank statement that included all my {$1100.00} payments made for my mortgage account that was requested. I 've requested from Caliber a life of loan history three times. They said it would include my pay history with Caliber & XXXX. I 've requested my account be credited for the unapplied payment, the balance difference from the transfer and a credit for interest I 've overpaid since they reversed my payment. I have n't received the complete payment history. I have n't been getting call backs nor have I seen a credit on my account. I do not know what I can do now to get this resolved and would appreciate any assistance you can provide.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On   XX/XX/16     I logged into my   XXXX   XXXX   XXXX   XXXX   account and made an additional payment of {$710.00} to my mortgage account which is due on on the   XXXX   of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and   XXXX     XXXX  I noticed at the beginning of  XXXX   XXXX   XXXX  started reporting to the credit bureaus that my payment was delinquent. I immediately called  XXXX   XXXX  to determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. However,  XXXX   XXXX  will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my  credit score on  all  XXXX  reports. I attempted on  XXXX   XXXX  to submit my complaint to  XXXX   XXXX  and it went denied. I believe  XXXX   XXXX  is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a  XXXX   XXXX  customer for over 10 years.
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SecurityNational Mortgage Company (UT)

I applied for a mortgage on XXXX XXXX XXXX after having an offer accepted to buy a townehome at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. The amount settled on was XXXX with 5 % down and a loan of XXXX. At the time, I had XXXX in savings and XXXX in a joint savings. I used XXXX for earnest money, and XXXX was transferred to my personal savings for a down payment. With XXXX I still would need about XXXX for a down payment, which I knew I would get with my yearly bonus of about XXXX plus my tax return, XXXX, and XXXX fed and state, sale of stock, XXXX. Plus about XXXX more from bi-weekly savings over XXXX pay periods. 
However, I was concerned my bonus and/or taxes would not be available by the time of closing at XXXX XXXX and I could not talk the seller into closing on a later date, so I asked my dad for a loan. The very first time I ever borrowed money from any relative. I asked my dad for a loan of XXXX to cover closing in case I did not have enough by XXXX XXXX. 
My dad said, why do n't we make it XXXX? I think he just wanted to help. I did n't need XXXX, but I have to admit, it would be nice to have a little extra for the first year of home ownership. So I agreed to take XXXX and pay it back within 40 months plus XXXX. 

Now Security National is trying to make me write it up as a gift so they can cover their butt for lack of a better term. Apparently I ca n't take a low interest loan from my parent even when my debt to income ratio is way under the loan payment. Mortgage companies have no problem giving me a loan up to 43 % of my earnings, which I could n't afford, but will not accept the fact that my dad loaned me XXXX. 

Of the XXXX I borrowed from my dad, XXXX was invested in XXXX stock and XXXX invested in XXXX XXXX, XXXX XXXX loans. The other XXXX is sitting in my savings. I plan on using XXXX for moving, furniture, window treatments etc.. and the rest use to pay back my dad. But Security National says I can not count the money I put in XXXX or XXXX as money for a down payment OR the money on loan from my dad rendering it useless. If that is the case, then I will not have enough money allocated for a down payment, even though I have more than enough money for a down payment.
Consumer complaint received 2017-03-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I fell upon a hardship where I was unable to pay this debt in a timely manner. While I have settled most of the debts either through arbitration where I have made an offer that was accepted, others have sued me in court for the full amount. I am now on a fixed income and can not repay the debt. I live in the state of California and the debt has been turned over to a collection agency who is not the original lender. ( This is a Credit Card ). It continues to show up on my Credit Report and prevents me from improving my Credit Score to raise my standard of living. The debt ( s ) are more than ( 6 ) six years old and continue to haunt me. I believe that statute of limitations in California is ( 3 ) three years. Please advise me.
Consumer complaint received 2017-02-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Corporation of America (TX)

We received medical care on XXXX XXXX, XXXX from XXXX of XXXX. After insurance, we were billed for over {$1000.00}. We paid the bill down to {$500.00}, and in XXXX we had enough money to pay the remaining amount and did so. We remitted this amount directly to XXXX on XXXX XXXX, XXXX, paying our account down to XXXX. A week later, the week of XXXX XXXX, we received a phone call informing us that XXXX had sent our account to Financial Corporations of America, a collections agency, for the {$500.00}. We informed them that we had just paid that amount the previous week. Financial Corporations apologized and said that they would confirm with the hospital that nothing more was owed. Then the following week, the week of XXXX XXXX, we received another call from Financial Corporations. We reminded them that we had spoken the previous week and that this debt was no longer owed. They found the note in their system and said that they had not yet received confirmation from the hospital. On XXXX XXXX we received a letter dated XXXX XXXX saying that we still owed {$500.00}. We contacted them and informed them again that we had paid that amount, she replied that they had contacted XXXX and XXXX said that we still owed that amount. She said that we needed to send a copy of our bank statement to the collection agency showing that the amount had cleared. We asked if there was someone at XXXX who needed to be contacted, and she did n't have that information.
Consumer complaint received 2017-02-07
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: 2288984 Ontario Inc. (MD)

I applied for a payday loan of {$570.00} in XX/XX/XXXX. The first payment was due on XX/XX/XXXX, of {$270.00}. Paynent was successfully paid. I told XXXX, That I would like the payments to be paid on the XX/XX/XXXX or XX/XX/XXXX of each month. She said OK. I contacted her to let her know that I had change my bank account because, someone had taken XXXX from my account. Even so, the bottom line she is saying in order to pay this account off I need to pay on the tenth of XX/XX/XXXX {$420.00}. and that is only a payment. I asked what was the interest she said 0.5 percent interest. The next payment I do not know what she will add on. I needed the money and I feel this is a rip off. Can you help me. In addition I believe the interest is totally wrong. 0.5 percent.
Consumer complaint received 2017-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

My mortgage loan was transferred to  Bayview Loan Servicing LLC  in  XXXX   2017  for a modification application. I was told by Bayview representative in  XXXX  the process would take 30 days or less for underwriting to make a decision on my loan modification. We are now several days from  XXXX , yet no one from Bayview has contacted me either by email, mail, or phone call about the status on the loan In weeks. In the meantime, I tried making a mortgage payment but my mortgage company said I had to make payments directly to Bayview. When I called their automatic phone service, I was n't Able to make a payment. I 've left many phone messages, emails, and letters by mail asking them to call me for an update, and explaining how to make my mortgage payments. I have n't heard from anyone from Bayview. My credit report shows late payment from mortgage. Also, I mailed a check for payment to  XXXX  Texas address but payment was not applied to my checking account on time.