davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GCFS, INC. (CA)

I received a loan from XXXX in XX/XX/XXXX. The loan was in the amount of {$2.00}. The payments were extremely high and I was n't able to pay back the loan any longer. XXXX went to court and was granted a judgement against me some where around XX/XX/XXXX. My wages were garnished from the employer I was working for then, XXXX XXXX. XXXX sold my debt to XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX also seized money from my bank account. They have already taken more money from me than I owed them. XXXX/XXXX XXXX XXXX XXXX XXXX has now gone back to court and was granted another judgement for {$2700.00} and have sent a notice to my employer for garnishment. I only make {$14.00} per hour and I 'm the only one in my home that has income. I am already having to borrow money from family members each month to make bills meet. I ca n't afford to have my paycheck garnished and will have to file for bankruptcy if the garnishment is not stopped. I would like to be added to any class lawsuit against XXXX or XXXX XXXX XXXX XXXX XXXX . Please stop the garnishment.
Consumer complaint received 2017-11-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I accessed my credit report and noticed several errors. On XX/XX/XXXX I wrote a detailed letter to the credit reporting agency Experian and each of the companies listed on the report reflecting accounts which were not mine. I provided sufficient information to both Experian and the various companies to identify the inaccuracies and make necessary corrections. Examples of information provided included copies of my birth certificate, bills, bank statements, pay stubs and letters to the companies listing the incorrect tradeline. I received one form letter asking for information which had been previously provided. On XX/XX/XXXX o replied and out of professional courtesy I again provided all of the information previously provided in my first letter along with outlining each of the items requested in Experians letters for avoidance of doubt. To date XX/XX/XXXX I have received no information from Experian regarding this matter, to the best of my knowledge the tradeline and personal information errors have not been corrected and I have received no written rationale for verifying any of the information either. For avoidance of doubt, Experian as of today XX/XX/XXXX is 18-days ( from receipt of my first letter XX/XX/XXXX ) and 26-days ( from the date of my first notice ) over ( pass due ) the 30-days granted by law to investigate and correct or provide written rationale for verification.
Consumer complaint received 2017-11-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I applied for payment assistance with Wells Fargo and was accepted until XXXX XXXX. The agreement was to pay $ 25 monthly until I was able to pay. In XXXX XXXX I found employment in XXXX, WA. I contacted my payment assistant representative and informed her of such, and that I would be putting my home in XXXX XXXX MO on the market. There was a contract on the house and I accepted it. On XXXX/XXXX/XXXX I received a disclosure for the closing on the home, Wells Fargo added an additional XXXX to my loan amount and when I called the representative stated that it was for foreclosure proceedings. I completely complied with the payment agreement, I was not aware that my home was in foreclosure and set to sell on XXXX/XXXX/XXXX. When I informed the representative that I had sold the house she told me to not send any more payments and the proceeds of the sale would be applied to the home. I am furious and I feel that Wells Fargo has been fraudulent.
Consumer complaint received 2017-11-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (MT)

My original payment plan was around {$290.00} every check. I was unable to make a payment and they did in fact lower my payment to {$230.00} every check. I had even called in when I had some extra money and paid them {$300.00} with my debit card to try to pay it off faster. When I looked at my account online, the XXXX had not lowered my balance at all. When I called to inquire about this, they told me that since I had not specifically said that I was using the XXXX to replace one of the specific payments that I still owed them the 5 payments of {$230.00} dollars that I already did before making the {$300.00} payment. XXXX Basically I was supposed to say, " hi I 'm calling to make my payment for XXXX right now. '' ) So essentially I just gave them {$300.00} without it paying down my loan at all. 
About a month ago I had a car repair I needed to make. When I called them to see if they could let me skip a payment and make it up with my next check, they wanted to put me on a payment plan for {$300.00} for another 10 months. The principal was {$1000.00} And I 've already paid them {$1600.00} to date. The interest rate is over 700 %. I 've contacted them and told them I 'm not paying them anymore money. I 've also closed my bank account they had on file for me. This company and others like it are predatory towards people with not so great credit, who are in a pinch and feel like they have nowhere else to turn. They need to be shut down.
Consumer complaint received 2017-11-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have submitted multiple letters to XXXX and Experian about account XXXX Funding submitting a collection account for an amount that I had to contract with them to being with. Letters were sent via certified mail XXXX/XXXX/XXXX and also XXXX/XXXX/XXXX. I asked them to give me verification with my SIGNATURE and contract on file with them. The only they have sent back to me was a bill which was not with them to begin with. According to the FCRA when asking for validation for an account it should be sent with my SIGNATURE and it has not. While looking at my credit report XXXX is listed at 2 different addresses with one in the state of South Carolina, the other Nevada.
Consumer complaint received 2017-11-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc. (WA)

I was on XXXX XXXX orders at the time since I am in the XXXX reserves. Ive told them multiple times. Not only that I have been getting texts from a friend saying they contacted him about me as well. I have no idea how they got his info. I have never given his phone number out to anybody. They havent called before XXXX or after XXXX but they are cutting it very close.
Consumer complaint received 2017-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (PA)

I received letter from PNC Bank dated XXXX XXXX, XXXX advising me about closing my account on XXXX XXXX, XXXX. PNC reference # XXXX. 
I have been associated with PNC for approximately 30 years in good standing, checking account and recently open credit card account. 
I contacted bank at the number posted on letter and basically told letter was self explanatory which frustrated me even more. 
I have had legal problem about 3 years ago for which charges were filed but not convicted the charges were expunged and now problems are occuring. 
I maintain excellent credit rating and getting extremely frustrated.
Consumer complaint received 2017-11-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

Conns Credit Company is reporting my account current as a victim of a natural disaster so they can continue to add charges, fees, late fees, etc., to the account to make the balance higher as they know once it is charged off for collections they cant add to the amount. I am NOT a victim of a natural disaster. I am a victim of credit card fraud recently : last week : but thats it. I also know for a fact they are doing the same thing to my husbands Conns account. 

They are very untrustworthy and I dont know how many other people they are doing this same trick to as to drive the amount owed to them higher and higher before charging it off. They also reported my husbands account as a victim of natural disaster and brought his account current as well while they continue to add to the amount owed.
Consumer complaint received 2017-11-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On my letter dated XXXX XXXX, XXXX sent to this credit repository, I disputed how incorrect Bankruptcy chapter XXXX XXXX -- -- XXXX # XXXX was reporting in my file. I was able to verify with the court that this piece of information is not in anyway linked to my social and date of birth. According to the XXXX XXXX XXXX  XXXX, this must be removed. The same was also disputed both to XXXX and XXXX XXXXnd both credit repositories REMOVED this item from my credit report. I kept records of all my credit reports before and after I disputed this item, proof that there is a problem with this credit repository on how they report information on consumer 's credit report and how they comply with FCRA in terms of investigation.
Consumer complaint received 2017-11-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

There are 2 medical bills reporting with Aargon Agency Inc and I never was in the hospital in XXXX or XXXX XXXX but why are these people doing this? I never received anything from any doctor 's office of hospital for that matter. Please help me
Consumer complaint received 2017-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I have had approximately 75 ACH transactions from my employe to USAA without a single hold. I have many USAA products such as Credit Cards, Home and Auto Ins, etc. All of my bills to them are due in the second half of the month. Today, XX/XX/17, they held my ACH transaction for 7 days and will collect a late fee on every product I have even though they have my money. Seems very unfair and deceptive to charge a late fee when they have my money.
Consumer complaint received 2017-11-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (AZ)

My wife and I were discussion a mortgage refinancing with Ditech on XX/XX/XXXX. The mortgage owed is currently XXXX. We are speaking with XXXX XXXX XXXX, with email of  XXXXXXXXXXXX. Before my wife agreed to have credit run she confirmed that the rates would be 4 % and the fees totaled {$3500.00}. We agreed verbally and they ran our credit. This am XX/XX/XXXX we reviewed the actual disclosures which showed a rate of 4.5 % and fees of XXXX. We reached out to XXXX on both email and phone. Once he responded to us he tried to tell the story that he was trying to help us with our rate by increasing the percentage and could not explain the fee increase. This is absolutely scummy we are ending the process now and are looking to move our mortgage elsewhere. We wanted to change from a ARM mortgage to a fixed but will not do business with an organization like this
Consumer complaint received 2017-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I requested that a complete record of qualifying payments under the Public Service Loan Forgiveness ( PSLF ) program from my current loan servicing company, FedLoan Servicing in XX/XX/XXXX. I received a document initially stating that XXXX XXXX had records of 42 eligible payments out of the 120 required payments, which I believed to be inaccurate. XXXX XXXX conducted an audit, including reviewing records from my previous loan servicers. XXXX XXXX concluded that none of the payments I made from XX/XX/XXXX through XX/XX/XXXX were considered qualifying repayments because I was on the " Consolidation Standard '' repayment schedule ( and my loans were serviced by other companies ). It was not until I switched to the IBR -- and over to XXXX XXXX as my loan servicing company -- that XXXX counted my payments towards the PSLF repayment schedule. I was also informed that my repayments were not qualifying under PSLF because I was on the " Consolidation Standard '' repayment schedule and not the " Permanent Standard '' repayment plan -- of which I did not realize there was any distinction at the time I switched my loans over to participate in the PSLF program. 

When PSLF was first announced, I immediately took steps to participate in a Direct Loan Program repayment plan and moved my loan servicer from a private, non-profit company to one that was affiliated with the Department of Education. The information I reviewed, and the companies that serviced my loan at the time ( XXXX XXXX XXXX and then XXXX, which are no longer in existence ), confirmed that my repayment plan was one which would go towards PSLF because I was on a " Standard Plan. '' I was led to believe that my payments either satisfied the repayment criteria as a " Standard Repayment Plan with a 10-year repayment period '' OR " Any other Direct Loan Program repayment plan, but only payments that are at least equal to the monthly payment amount that would have been required under the Standard Repayment Plan with a 10-year repayment period may be counted toward the required 120 payments. '' This was further underscored when I was eventually placed on the " IBR Plan '' and my monthly payment amounts decreased. I also timely submitted my public service employer certification information when I first began participating in PSLF and was never informed until XX/XX/XXXX that my initial payments under the Consolidation Standard plan do not qualify as eligible repayments under PSLF.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (AR)

On I had {$90.00} return payment. I had issue with my XXXX XXXX. Which did get resolved. I quickly called XXXX to let them know I had gym payment that came out twice but I was getting refunded for the amount. I spoke to rep name XXXX in ach. I had ach issue before and she help me handle that problem. Since the previous issue was correct. I did n't want this small things to become and issue XXXX advised that she would watch my account to see when the return payment would happen. On XX/XX/XXXX Monday I call and she stated it probably will be Wednesday before it show up. I advised I would be going out of town for work. I would try to deposit cash in ATM at a branch or non branch here in my town. I was n't advised that a deposit at non branch would take several days to post. On XX/XX/XXXX I deposit {$180.00} into XXXX checking which would cover the return amount plus add additional money to my account. I was n't as sued this and that caused an issue as well. OnXX/XX/XXXX I made a {$140.00} payment over the phone with a rep and the rep used the wrong account. I was very frustrated. As this was n't fault of my own but the represent I had funds in my account XXXX not XXXX. I 'm just truly frustrated. I was told after 3 return payment the method to use transfer is suspend. Now my account is suspend again after 2 payments
Consumer complaint received 2017-11-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation (TX)

I called Fortiva XX/XX/2017 XXXX to settle a debt ; I spoke to XXXX regarding ( patient ID XXXX ) he advised me that the account was sold to XXXX XXXX -- -I called XXXX and was advised this account was sold back to Fortiva -- I then called Fortiva again and was told that it was not with them but sold to XXXX -- -I basically got the run around and there was no resolve to this debt showing on my credit report.
Consumer complaint received 2017-11-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (DC)

I received a Pre-Acceleration letter from Primary Residential Mortgage XX/XX/XXXX alleging that a misrepresented assets during the loan process. I called and spoke to XXXX XXXX she advised me to send her bank statements and any supporting documents that would like my situation. I was given instructions from the loan officer to pay off two credit cards XXXX, totaling {$10000.00} I secured the loan on XX/XX/XXXX {$10000.00} was deposited into my checking account on XX/XX/XXXX. I transferred the loan amounts of {$5000.00} to both credit cards. I later closed on my home XX/XX/XXXX. I gave all the documents to PRMI however I was informed that they were not accepted by PRMI. I did not with hold any assets I open an account under the direction of PRMI employees. Now the mortgage company is threatening to take my home. I have a 2nd trust mortgage with another lender XXXX XXXX XXXX and this issue is none existent with the other lender. I feel like I am being harassed from a previous personal matter with an employee of this company. XX/XX/XXXX my mortgage was sold I have had peace with XXXX XXXX for months. As of XXXX XXXX XXXX my loan was sold back to PRMI and the issues has resurface with PRMI and I have received various verbal attacks from this company including the act of threatening to take my home. Since speaking to XXXX XXXX I have call in on three times to pay my mortgage and XXXX has not accepted my payment. I have enclosed the screenshots of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX that shows that I do n't have access to my account to pay my mortgage.
Consumer complaint received 2017-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have several hard inquires, in which I have never applied for these auto loans. I was not aware that someone used my social until I checked my credit score and seen XXXX inquires that I have n't applied for. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, capital one auto finance.
Consumer complaint received 2017-11-15
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo is reporting a recent late payment when we were not late. We made the payment over the phone before the due date, got confirmation of the payment as well. 
They are the ones who made the mistake and they have promised me it would be fixed and they have not fixed it yet.
Consumer complaint received 2017-11-15
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: AMERICAN HONDA FINANCE CORP (NC)

I have several hard inquires, in which I have never applied for these auto loans. I was not aware that someone used my social until I checked my credit score and seen XXXX inquires that I have n't applied for. XXXX XXXX XXXXXXXX, American Honda, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-11-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After reviewing my credit report ( see attached ), I noticed accounts on my credit report that were inserted without my knowledge. XXXX XXXX, via Transunion, placed several collection accounts on my report and never sent a dunning letter or any other notification of the alleged debt as the FDCPA mandates. 

I have never did any business with this company nor have I ever heard of them. To that end, I communicated in writing to XXXX XXXX in XXXX 2017 ( see attached ), seeking that they validate the debt they are stating I owe them ( see attached letters ). 

As of today, based on the tracking information provided, the dispute letter I sent them is being returned to me. The address Transunion provides on my credit report is where the letter was sent, yet it was undeliverable. How then is this dispute valid if the company did not collect its mail or has gone out of business? What method of verification did Transunion utilize prior to allowing this company to place these inaccurate, unverifiable items on my report? I have also submitted a letter to Transunion disputing the validity of these inaccurate, erroneous, and unverifiable accounts and I am yet to hear from them. 

I took an additional step and contacted your bureau ( the  Consumer Financial Protection Bureau ) ( see attached ), you responded that you have been unable to contact this company and alluded that this company may be non-existent. Therefore, I am making my FINAL REQUEST for Transunion to DELETE these inaccurate, unverifiable entries reflected on my report. 

These items are in direct violation of my consumer rights and should be DELETED IMMEDIATELY.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

This is in regards to a collection account with XXXX XXXX XXXX that is appearing on my credit report. This account is regarding a past due balance I had with XXXX. The past due balance had been settled with XXXX in XXXX XXXX  2017. I was informed by XXXX this account would be rescinded from XXXX XXXX XXXX As a safe measure, I immediately contacted XXXX XXXX XXXX to explain the balance had been settled with XXXX and they assured me the collection account would be removed from my credit report. The account has only been removed from my XXXX credit report, but not Experian or XXXX. I have attempted to dispute this with Experian and XXXX, but I have been unsuccessful in having the collection account removed.
Consumer complaint received 2017-11-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (OK)

They say that they told me of the APR of 561. They did say that I would pay {$410.00} a month but did n't tell me that it would be for almost a year and that I will be paying {$4000.00} all together for a loan of {$950.00}. It was n't until the third month that I got the break down of payments and found out that I will be paying {$410.00} a month until X/2018! 

I can not afford to pay that for that long. When they said it was {$410.00} a month I thought it would be for 3 months. 

When I called them I was told that I knew that I would be paying {$4000.00} for a {$950.00} loan. I would have never agreed to that. 

They wo n't help me at all.