davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OR)

I have been trying to renew my income driven repayment plan. I have sent the information in by mail twice and also directly uploaded the required forms t o FedLoan 's webs ite. The only response was a form email telling me I was missing information, but I have no idea what that info could be! I also emailed them, as instructed, to suspend my direct debit payment since without th e IDR my p ayments are more than I can afford. I did n't get a response fo r four days at wh ich time the response told me I was too late to postpone but it was only late because they did n't answer me for so long!
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

I received a letter telling me that interest in the amount of {$290.00} had accumulated on my account while my IDR plan was being recalculated. When I went to pay it online the amount was {$280.00} which I paid online. I have direct debit and it showed a withdrawal of {$280.00} which is my usual payment coming out on  XXXX / XXXX /  XXXX  . Then it shows a direct debit of {$270.00} AND {$550.00} coming out on  XXXX / XXXX /  XXXX  . I called today, spoke to  XXXX . First he told me I must have mixed up the amounts. I went over how I had a letter saying  one  amount and online it shows a different amount for outstanding interest which I paid. Asked why the direct debit on  XXXX  never came out. First he told me it was a weekend which should n't matter since it 's just direct debit. Then he told me I still have to recertify for an IDR plan. I said I have approval letter in my hand. Finally he determined that they applied the payment toward NOT the interest that had built up but toward the {$550.00} due for  XXXX  so the {$270.00} is what I still owe. This is not what I indicated I wanted paid. When I called earlier to ask how to pay this online I was told anything I pay automatically goes toward interest first. This was apparently not the case and impossible to see clearly on t he Fedloans  website and the person I spoke to in the call center clearly did not know what we happening and did not really seem to care.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (OH)

Received a loan fro m Wells Fargo for fur niture 0 % interest for 18 months. I paid the amount in full PRIOR to 18 months. Upon apply for a car loan I find that they placed a bad credit reference against me for {$4.00} I have contacted them twice and each time I am told that the loan is paid in full and they do n't know why there is {$4.00} on the account or why it was reported to the credit bureau. They said each time they needed 10-14 days to investigate. My bank  (   XXXX  ) in the meantime has made an auto loan to me at an interest rate double of what I should be paying.  XXXX  states that if I can get a letter from  Wells Fargo  they would reduce my interest rate.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im a victim of identity thief someone got my information and used my credit cards and buy lots of stuff when I found out I called the company XXXX and XXXX  to report the activity and I was still paying my bills until they closed the account and still wanted me to pay for something I didnt use
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Gerald E Moore & Associates, PC (TX)

Re case #  XXXX  &  XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  and as of today    XXXX   I  received a call from a collector representing the  XXXX   XXXX , the agency is  Brett Borland Law Office.      First the  XXXX   XXXX  attempted to collect over {$4000.00} from me by falsely stating that I failed to give them proper notice to vacate the apartment. They went so far as to write it in my file and put the fee on my credit report and hired  XXXX   XXXX   XXXX  to collect.     I wrote several letters asking the   XXXX   credit bureaus for validation of debt and verification of debt. After several attempts and finally receiving my file from the  XXXX  I reviewed it thoroughly. The discrepancies I discovered made me wonder if  XXXX  had really reviewed/verified/validated, or did they just want money?, I wrote and told  XXXX  that if  XXXX  claims they evicted me, why in my notes from the  XXXX  file is it stating that I owe {$500.00} plus fee for insufficient notice to vacate the premises. The answer is because I vacated the premises and was never evicted.  XXXX  merely deducted the {$500.00} plus dollars and readjusted the amount owed to the credit bureau 's, by fair credit reporting law they were supposed to delete it - or so I thought?     Then the  XXXX  claimed they got a court order from a judge and had a sheriff put me out. I asked  XXXX  months ago to produce the documents because they are making additional false statements and representations. I called  XXXX   XXXX  Courts and no such record exists is what I was told. Also, The  XXXX  released me from my lease due a tenant breaking in my place. I have a document signed by a  XXXX   XXXX   XXXX  and the police report - both of which I submitted to  XXXX  several times, each time they claimed it was not legible after they scanned it in their system. I asked  XXXX  if it were possible to look at the release and police report before they scan it in, then it would be undeniably visible ; they said they would not.     Now ,    XXXX    I go t a call from the law offices of  Brett Borland . The collector said they are collecting for their client the  XXXX  Apartments. Is yet another agency trying to collect on an account for which their is no legal proof of their allegations of a court ordered eviction? And why are   XXXX   agencies collecting for the same account. Just last week  XXXX  was the collector of record?
Consumer complaint received 2023-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CARS Acquisition, LLC (NY)

I'm being charged a 29 % interest on a loan that I couldn't continue to pay because the interest was too high. I ended up getting the vehicle repossed because I couldn't afford the interest. I have called for the original contact and validation of debt multiple times and they don't send it out.
Consumer complaint received 2018-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Back in XX/XX/2018 l paid for a membership with XXXX XXXX using my USAA Debit Card for {$40.00} l disputed this charge with USAA as months have gone by and XXXX XXXX failrd to provide the membership to me, the last communication by email l had was them telling me " you will hear when we hear '' so l disputed the charge and USAA send me a reply saying l was out side the time frame, l told them, the reasons as l am here and they refused to except it as a result of me not receiving the membership from XXXX XXXX l have lost the whole season to XXXX XXXX XXXX. I am asking your agencies help in resolving this, this is not a normal situation and USAA has to understand this, l am not trying to get free money from USAA but money that l work hard for and money l paid for a membership that l never received and will not receive now. So l am requesting that your agency help me in getting my money back. It sound like USAA wants to loose a long time customer over this and does NOT care that l am out of pocket for a item that was not provided to me by the organization that got my money and provided me with nothing over these months. 

Regards XXXX XXXX
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (IN)

The law firm of  XXXX ,  XXXX ,  XXXX ,  (  "  XXXX  '' ) contacted me about a credit card that I was behind on from Chase Bank.  XXXX  made numerous phone calls, and sent letters that implied came from an attorney at  XXXX . I just could n't pay anything.     After a while,  XXXX  then starting calling and sending letters, saying that the account has been acquired by a third-party debt buyer  XXXX   XXXX . The calls and letters implied that it was coming from the same set of attorneys that had represented Chase Bank. I still could n't pay anything. However, I noticed that the new client of  XXXX -   XXXX   XXXX  , was not licensed nor regathered to do business in  Indiana  . This was a violation of at least Indiana law, and may also be a violation of the FDCPA.     I wrote to  XXXX , and told them that they were in violation of law. I told them that I had talked to Indiana attorneys, who told me that   XXXX   XXXX   was in fact violating Indiana law, and had no legal standing, etc.  XXXX  failed to respond, so I called them. I left several messages, and sent Certified Letters, which I can provide to the CFPB. I finally got to speak to the so-called  Compliance Officer, wh o said that the " boss '' was on vacation, and would get back to me.     Its been a few years, and the Compliance person I guess is still on vacation. But,  XXXX  has quit calling and has n't sent any letters.     I also discovered other lawsuits that  XXXX  has filed in Indiana, for other debt buyers and other financial groups that are also not licensed nor registered to do business in Indiana. In talking with some Indiana attorneys, it is a requirement that an attorney first check to make sure that a corporate client has legal standing prior to trying to collect on a debt for the client.     I have been told that unlawful attempts to collect on debts for unlicensed and unregistered clients is a violation of Title  5 of the Federal Trade commission Act, in what is known as UDAAPs, or Unfair and Deceptive Business Practices.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Consumer Portfolio Services, Inc. (PA)

I would like to dispute the account that  Consumer Portfolio Services  #  XXXX  has reported on my credit file. I sent a certified letter to the company by mail to the address provided online from the credit bureaus fo r Consumer Portfolio as  100 % accurate. The letter was returned to me as undeliverable and I provided a copy of the letter and a copy of the address provided by the credit bureaus along with this request. Please remove this off my credit report, the company is not accessible and can not prove this account is 100 % accurate. This is a violation according to The Fair Credit Reporting Act,  15 U.S.C. 1681. T his account is hurting my credit profile and I request that you remove it immediately. Please see the attached documents showing my attempt to cont act Consumer Portfolio.    Thank you in advance
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

Before my loans were in repayment I was making payments on the loans, There is nothing that says I can not pay on my principal balance, and yes I am allowed to pay ahead with out prepayment penality. I my case I considered my payments being a penality since the payments would only go toward the interest first and nothing to the principal balance. Please remember I was not in repayment status at that time. Only now that I am in repayment does part of my payment go toward principal. Now I am receiving, " capitalized interest '' meaning, my interest is being added to my principal and I get charged interest in my interest. What? No Bank, credit card or other legitimate lending institution would be allowed to do this. One loan  XXXX   XXXX ,  XXXX  my principal and interest combined balance was {$5300.00} today  XXXX   XXXX ,  XXXX  the principal balance is {$5500.00}. How can a company that gives the impression it is a government based program, and I think it is, rip us off like this and do it to millions of people and continue to no matter what. I feel like my goveronment hates me ; make billions of dollars off illegal lending practices and I will get this paid off, NEVER.
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (VA)

This is a follow-up to a complaint I made yesterday, #  XXXX . A company called  RoundPoint ha s been contacting me asking for money, claiming to be my mortgage servicer. Meanwhile,  XXXX  ( my actual mortgage servicer ) has confirmed multiple times that  XXXX  is the servicer. I have been making my payments to  XXXX . After I filed complaint #  XXXX  yesterday,  RoundPoint called me to respond to the complaint, claiming that I am still being serviced by RoundPoint  and that they will send me paperwork to prove it. However,  XXXX  has sent me paperwork showing that they purchased servicing rights fr om RoundPoint  effective  XXXX   XXXX ,   XXXX  . I am writing again to include this letter from  XXXX .
Consumer complaint received 2017-04-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK (VA)

This falls in line with the previous complaint made and my recent dispute of the solution provided by the lender ( #  XXXX   XXXX . I received a call on  XXXX  during which I told the Customer Service person that  XXXX  has assured me that all future communication from them would be in writing to which her response was " we do n't have a do not call list ''. She pushed for me to give the detail of when the next payment would be made which and the amount which I gave. On  XXXX  I received another call with this VM "   XXXX   XXXX    I  am giving you a call AGAIN, letting you know I still have your file, we only have a limited time to get this matter resolved so it is important that you call me back today. If not, there 's a possibility that a decision will be made on your behalf that is NOT in your best interest. I 'll be here unti  XXXX   XXXX   XXXX   ... ... ... My name is  XXXX  with  XXXX   XXXX  ''. My payment was posted that day.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (NV)

I am applying for  XXXX   XXXX  service ... they need a credit check but was not able to com  plete one because of a credit security freeze.
I tracked the freeze down to Equifax, the reported a security freeze was on my account. I stated I never requested a freeze on my equifax report. They will not lift unless I pay the fee. I again stated I should not have to pay for something I never requested. The Equifax rep said they do n't keep records of the payment needed at the time the security freeze was requested, which could lead to who done it! I have checked all my records paper and electronic and have never received a notice that Equifax put a security freeze on my report.
The fee is small but I should not have to pay this, it is a mistake! These credit agencies all take hours of waiting on hold and transfers to finally get talking to a real person. They would not allow me to submit a claim or anything that would resolve this correctly without me paying their " Fee ''.
I hope govern  ment regulation will reform these agencies and their operations.
Consumer complaint received 2017-04-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I deposited a check at my Bank  's ( Regions Bank ) ATM  on the  XXXX  of  XXXX . This check was an insurance check that was issued to me  by my Insurance co mpany -  XXXX . The check has my vehicle finance company on as lien holder which requires their endorsement. This was the  first  XXXX  party ch eck I have ever received and I had deposited without the lien holder. I reached out to my Insurance company  XXXX  to see if they can cancel the check and re-issue a n ew one tha  t  I can get proper endorsement from my lien holder.  XXXX  informed me that Regions has taken the funds from their account and currently possess the funds, as such, They can not cancel the initial check and re-issue another  one. My B ank sent me a letter advising that they will make my funds available after    XXXX   days on th e  XXXX  of  XXXX . This was extremely disappointing and I cou ld n't imagine why  my bank would hold my funds for more than   XXXX    days. Today is  XXXX   XXXX  (    XXXX   XXXX   days aft er my deposit ) and I still have not received my funds from Regions. Regions Bank have treated me and my family like  XXXX , they could care less what financial or emotional impact their terrible treatments have on their clients. At this point I feel completely powerless and I am hoping that the CFPB can help to get my funds from Regions immediately.
Consumer complaint received 2017-04-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Aspen Properties Group, LLC (NV)

The homeowner has been trying to get a loan modification since  XXXX / XXXX / XXXX . Recently I was served a Notice of  Default  on  XXXX   XXXX ,  XXXX . The servicer  XXXX   XXXX  served the  XXXX  Notice. A trustee of Sale is :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , Nevada,  XXXX .     I have a change of circumstances and am formally filing an appeal via the CFP B Consumer Finance Protection Bureau. I  am requesting a basis of denial report, as appears that errors in the income and property value were used to base the denial for request for a loan modification. I was denied a loan modification : without an explanation for the denial.     On  XXXX / XXXX / XXXX  A notice  of Default was file d. There is no date of sale set at this time.     Recently on  XXXX   XXXX ,  XXXX  I discovered that the previous lenders,  XXXX ,   XXXX   XXXX   XXXX  ,  XXXX   XXXX  and   XXXX   XXXX   XXXX   : signed consent agreements for mortgage fraud violations, including no just standing. The homeowner has ordered a  XXXX   XXXX   XXXX  on this property and reserves all rights under discovery and possible violations exist in the following :   1. Broken chain of title.
2  . No just standing  3 . Gross fragmentation of the note to  XXXX   XXXX .   The home owners  XXXX  audit produced in  XXXX   XXXX ,  XXXX  : could also show strong evidence of known robo signer participation in  XXXX  documents and more.   The Homeowner alleges the following investor, Master Trustee and servicers ; most likely knew of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include :  Aspen G LLC ,  XXXX ,   XXXX   XXXX   XXXX  ,  XXXX   XXXX  and of course   XXXX   XXXX   XXXX  .     This CFPB complaint includes :  1 . LACK OF STANDING TO FORECLOSE ;  2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10 . RESCISSION.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Convergent Resources, Inc. (NV)

In  XXXX   XXXX  filed a collection on my Credit Report stating that I owed them with for an unpaid cell phone account. I did not open an account with  XXXX  in  XXXX . Subsequently, I filed a Dispute with the Credit Reporting Agencies which resulted in the Bureaus removing the Collection from my credit report. In  XXXX , a  XXXX   XXXX   XXXX   XXXX  filed another Collection to the Credit Reporting Bureaus under the Name of a different  XXXX   XXXX   XXXX  again stating that, I owe an unpaid .Cell Phone Account. Again, I filed a Dispute and the Debt was again removed. Since that time, e very 3-6 m onths or, so a  New   XXXX   XXXX   XXXX   XXXX  files a Collection against my Credit after it has been removed which is Harassment. I have repeatedly informed th e Bureaus that, the  Collections are false and, not to allow  XXXX  or any of it 's m any Collection agencies  to continue to place erroneous debt collections on my report as they .have been added and removed no less t han seven time s previously. I would ask  XXXX  to cease and desist in their Harassment of me by continually making erroneous fraudulent collection claims.