davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (WA)

Hello, I took out a private student loan from ACS Education Services in 2006. Each month I have made my payments on time. They almost always apply over % XXXX of my payment to interest and not the principal, so my balance barely goes down. When I contacted them about this they responded this, and this is on their website : Q : Why is n't my balance going down even though I am making payments? 
A : Payments are applied to assessed late charges ( if any ) first, then to any outstanding interest, and finally to the outstanding principal balance. You may have outstanding accrued interest that needs to be paid off first before you will see your loan balance begin to go down. Always remember that the amount of interest paid with your payments will be higher during the initial period of repayment and gradually decrease as your balance decreases. 


Yesterday I paid {$50.00} towards my loan, and according to them my outstanding interest was {$0.00}. I am attaching a copy of that payment and it shows that they took {$12.00} to interest. So what they are doing is unethical and possibly illegal. They are lying on their website based on the statements above. Similarly, the month before just before making my payment they indicated that I had {$51.00} in outstanding interest, but as you can see, they took {$76.00} of my payment and applied it to the interest. The remaining {$68.00} went to the principal. They did not respond to my inquiry about why so much of that payment was applied to interest. And, as you can see, in almost every one of my payments, a good deal more goes to the interest. 



What they are doing is unethical and unfair. They are not applying payments appropriately, and I believe it is to get more money from the students who borrowed money from them. They need to be stopped.
Consumer complaint received 2016-01-07
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Specialized Loan Servicing Holdings LLC (FL)

As far as remember i did not recall apply for such loan or either receive one.But for some reason i have received an email about an arrest warrant for that loan i was never contact either by mail or by phone from such company.All over sudden they told me i owed the {$1000.00} which i did not get from them. Unless its a problem of identity theft, cause this letter sound like threat to make me pay something i never had from them.Your help in this matter is very important to me cause i really do n't know and understand that.
Consumer complaint received 2016-02-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

In XXXX, XXXX, I pulled my credit report and found an account I was not familiar with that was in collections with a company named XXXX XXXX XXXX. It stated that it was a closed credit card account and the original creditor was HSBC. On XXXX XXXX, XXXX, I sent a request for debt validation to both XXXX XXXX XXXX and HSBC regarding this account. XXXX responded on XXXX XXXX, XXXX, stating they could not validate the debt and would instruct the credit reporting agencies to remove the XXXX account from my credit report. HSBC never responded. In XXXX, XXXX, the credit entry by XXXX was not removed, the creditor name was changed to HSBC and noted as a Charge Off. In XXXX, XXXX, I filed a police report for identity theft with the XXXX County Florida Sheriff 's department regarding this account. I supplied this report to the credit reporting agencies XXXX, XXXX and XXXX in a formal dispute of this account. XXXX and XXXX removed HSBC from my credit report after fulfilling their own dispute validation processes. XXXX continues to report HSBC on my credit report and states it has validated the debt each time I have disputed it with them. On XXXX XXXX, XXXX, both HSBC and XXXX were sent letters from me. The HSBC letter was a second debt validation request and it included copies of the first request sent to them, XXXX XXXX XXXX response and the identity theft police report filed in XXXX, XXXX. XXXX included the same copies, with a letter requesting a full investigation of the debt. Nine days after XXXX opened the formal investigation, the closed it stating the debt was validated. Meanwhile, as of XXXX XXXX, XXXX, HSBC still has not provided the validation I requested. This account is not mine and I am struggling with the creditor and XXXX to properly validate the debt.
Consumer complaint received 2016-02-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

This is pertaining to a loan I co-signed for a friend because she needed help getting a loan for school. I was under the impression that I can get out of being a co-signer after two years if my friend was able to show proof that she is able to take care of the loan herself. Navient ( which is part of XXXX ) made that promise to us and yet here we are 8 years later and they have refused my friend 's request twice to take me off as a co-signer. She has shown for the past 8 years that she can pay her loans on time ( she has never missed a payment ), and her and her significant other make more than enough money to be able to continue to pay for her school loan without my assistance as a co-signer, so basically NavientXXXX is essentially taking me hostage, when they themselves said I could be taken off the loan after two years of showing that she is responsible enough to make payments consistently, which she clearly has not missed at all. Navient/XXXX should n't be making false claims like this and giving people like me a false sense of hope.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Im positive I pay on time, but I dont understand why Im being reported late for specific months. According to USC 1666b, billing errors should be corrected and reflect that I paid as agreed.
Consumer complaint received 2016-02-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (FL)

The lender Wells Fargo will not work with me to lower my monthly payments, thus driving me to consider defaulting. It is unfair for them to not offer any reasonable options for people like myself who are pursuing a better life in this country. I received an education that did not lead to a career in my field of study as well so i feel college advisor offices were very misleading as well. I feel trapped and there is no way out and have no hope for the future. Wells fargo student loan services is extremely greedy and shady as they are also unable to provide all of the allegedly signed documents after i 've requested them on several occasions. Please help me in resolving this issue and having Wells Fargo lower my monthly amount taking into consideration all of my debt/including federal loans. Their customer service is also terrible and lack empathy. Please help me! I feel trapped and extremely depressed.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-11-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

I had originally gone to a XXXX ( XXXX XXXX XXXX XXXX XXXX ) for financial counseling with the goal of reducing my interest rate on my mortgage. Their suggestion was to assist me with a modification application. I found out several months later that there were far more effective ways to reduce my interest rate ( potentially a streamline refinance ). Furthermore the modification, while approved, was terminated as a consequence of my lack of financial hardship. Before applying, I had actively stated to my servicer as well as the counseling agency, that I did not have a financial hardship. The goal was strictly to reduce my interest rate. Now, my sister is very ill, and I have been traveling back and forth from my home in XXXX, to her home in XXXX. During this time, I was unaware that the modification had been terminated, and the monthly payments I had made were not the appropriate amount. Consequently, the delinquency started to have a negative impact on my credit and prevented me from more appropriate refinance options. XXXX, seeing the error had attempted to work with CHASE directly to no effect. However, this continued to drag out a timely resolution to this process. By XXXX, I had started again to work with chase directly. I had requested a payoff amount through XXXX XXXX from the escalation department in XXXX. During this time, a XXXX form the Executive Office, reviewed my situation, saw the problem and suggested that there may be a solution to accomplish the goal of the reduced interest rate ( suggesting modification or refinance ). However, I said that I may be interested but still requested the payoff. For the next several months I received letters stating to be patient and that research was being conducted. After growing impatient and concerned about accumulating interest, I had contacted them back to follow up in XX/XX/XXXX. Apparently the research was being conducted but they submitted a new request for a payoff. My family, increasingly concerned about my housing stability, felt compelled to lend me money to exit this situation. 

At this point, chase has drawn their line in the sand about the interpretation of events, and I am in a position where litigation would become too costly to resolve what for some people, would be a minor issue. However, I am on a fixed income, and the potential $ XXXX-XXXX in interest accumulation that would have occurred during these times, are the difference between me being able to cover the annual expenses on my home. Further more, my credit shows significant delinquency over the last several months while this situation was being resolved. I have gone from being able to borrow in the event of an emergency to being unable to borrow anything ( Fico XXXX of XXXX to Fico XXXX of XXXX ). The good will from my family has been exhausted and these errors have eroded my stability.
Consumer complaint received 2016-03-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

On XXXX XXXX, 2015, my coworkers and I were rear ended by another party. I immediately saw a chiropractor XXXX XXXX in XXXX. XXXX XXXX was aware this was an accident and other insurance company was paying for my injuries. During the negotiations, his office was trying to refer to me to an attorney they knew, I declined. XXXX XXXX never told me he was going to send me to collection. The other insurance company paid XXXX XXXX directly. I have had to send his collection company a XXXX paid invoice because XXXX XXXX office would not communicate with them. Now, I get a call from his collection company and spoke with XXXX XXXX there that I owe interest and they would remove the collection from my credit. How can this be if I got a XXXX paid invoice??
Consumer complaint received 2015-07-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CT)

I had a mortgage through Penny Mac. This loan was an FHA loan with mortgage insurance. I paid off the loan on the XXXX of XXXX. I was charged mortgage insurance and interest for two months when calculating the amount needed for closing. Interest for XXXX and the entire month of XXXX though it was paid off on the XXXX within the grace period for payment of the loan and mortgage insurance supposedly for XXXX and XXXX paid in XXXX and XXXX, again the payoff was received within the grace period for paying the payment. 
Also I analyized the escrow account for the entire period of the loan and the amounts paid in the the escrow plus the initial amount in from loan inception, less payments made do not come to the total refunded to me after closing. 

I would like someone to review the mortgage as I feel I have not received all of the funds due when the loan closed. 

The loan number is XXXX XXXX
Consumer complaint received 2016-02-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (PA)

This debt is from a former deceased relative that I had removed from credit bureau, its now being attempted to be collected 10 years, its a account from 2006, later by a XXXX collection agency, none of which are the original debtor
Consumer complaint received 2016-01-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

I have been a Wells Fargo customer since 1999 and had a couple of loans with them which I have always paid on time. They stopped sending statements on XXXX of the accounts so I missed a couple of payments. They sent me an e-mail so I immediately called. They claim that my address was correct and they had the correct e-mail and yet the only correspondence I had received from them was asking to call. I explained that I had not received statements and they could clearly see how long I had been a customer, and that I had always made payments on time. I asked them to remove it from my credit report and that I wanted to pay the balance. The manager was very rude and said that I knew of the account and that it was my responsibility whether I received statements or not. They did n't care in the least that I had been a long standing, good customer. I will never do business with Wells Fargo again and I would strongly suggest that you consider another alternative. I have been with XXXX XXXX XXXX for a much shorter period, and they have provided excellent customer service and seem to genuinely care about that.
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (PA)

The promotion for XXXX furniture was not applied properly because on my account I incurred deferred interest when the payment were more than the minimum payment of {$62.00} but payments were made of {$150.00} for 2 years. Even if the payments were split there was plenty of money to cover the promotional period because the difference is {$88.00}. Interest was charged when it should not have charged. When I question the company about the payment they will not answer my question on why I was charged interest and when it happened.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Fraudulent Account Opened in My Name Dear Sir/Madam, I am writing to formally lodge a complaint regarding a fraudulent account that was opened in my name with XXXX XXXX XXXX XXXX The details of the account are as follows : Account Type : Secured Loan Date Opened : XX/XX/XXXX Account Status : Current ( as of XX/XX/XXXX ) Balance : {$2500.00} Payment Status : Current I did not authorize the opening of this account, and I believe it was opened fraudulently. I have attached a copy of my credit report showing the account details for your reference. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be removed from my credit report. Specifically, I am invoking the provisions under Section 605B of the FCRA, which allows for the blocking of information resulting from identity theft. 
Please find attached the necessary documentation to support my claim, including a copy of my identity theft report and any other relevant information. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (GA)

In XXXX of 2015 my wife and i decided to purchase an investment property in Florida. We bank with Wells Fargo for our personal banking so applied for a loan ( looking for prequalification ) to purchase a condo at price around {$250.00} XXXX XXXX XXXX we found a property made and offer and had it accepted partially because we were prequal 'd for the mortgage. We then went to to Wells to get the mortgage processed. We submitted additional information requested and after 30 days were told Wells would not do the loan even though we offered to pay a 25 % down payment Prequal was based upon 20 % ). We now find ourselves having to scurry to find alternative financing or lose our earnest money.
Consumer complaint received 2016-01-10
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

XXXX XXXX attorney for XXXX TRUSTEE. Refuse to release all funds in escrow and INSURENCE funds. XXXX XXXX TRUSTEE V XXXX XXXX INDEX XXXX is disposed. XXXX XXXX still refuse to release my funds
Consumer complaint received 2015-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (IL)

In XX/XX/XXXX Stellar Recovery reported a outstanding balance of {$58.00} to my XXXX credit report. No only did this collections agency report this without sending a notice to me, the amount is wrong also. My amount due in full with the original creditor was {$57.00} and was paid in full on XX/XX/XXXX. I emailed XXXX XXXX Executive Customer Relations XXXX | XXXX. Office : XXXX, ext. XXXX in XX/XX/XXXX regarding this outstanding bill however, this person did not respond to me. I was unaware that my bill was reported to a collections agency and since Stellar Recovery reported this to my XXXX credit report, my credit score dropped XXXX points. I never received any notice or phone call from this collection agency.
Consumer complaint received 2015-07-17
Product: Credit card — 
Issue: Billing statement — 
Company: U.S. BANCORP (GA)

My credit card statement from US Bank, XXXX. XXXX XXXX, XXXX XXXX, MO XXXX, showed a balance due of {$770.00}. I transposed, in error, the cents and remitted {$770.00}, a difference of XXXX cents. For this slight error they billed me for {$8.00} in interest. That 's XXXX times the shortfall and it seems ludicrous to me. I called their customer service phone number as I did n't realized that I had transposed the cents and they explained the {$8.00} interest charge was a result of of XXXX cent error, and made no effort to resolve what I thought was an extraordinary interest charge.
Consumer complaint received 2024-11-23
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. (MI)

I was incarcerated for a substantial amount of time 11 years to be exact once I went over my credit report I seen numerous accounts that are not mine I have know knowledge of 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 2016-03-17
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Constar Financial Services, LLC (FL)

Dear Debt Collector : I will like for you to cease and desists all communication with me, both written and verbal. 
You are now the XXXX or XXXX company that has contacted me regarding this a debt with XXXX. I have several vehicles with XXXX all in good standings. The vehicle in question was involved in a rollover accident and the insurance paid the claim. I have provided the information multiple times and consider this matter closed. 
I asked him to stop calling me and he became hostile. I asked for him to do some research and he told me it was my burden of proof. I explained to XXXX XXXX that I had already provided this information multiple times and it seems that they stop for a little while and then someone else starts calling. 
You are also calling my CELL PHONE and you do not have the right or the permission or my consent to call me at this number. XXXX called me multiple times XXXX at XXXX and again at XXXX pm on XXXX/XXXX/16. Is this harassment?
Consumer complaint received 2015-04-22
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ad Astra Recovery Services Inc (KS)

Contacted Ad Astra at XXXX. A male answered the phone, took my name and then said " are you still receiving mail '' and disclosed my private address to a third party, then disclosed the details of when the loan was taken out. 
After contacting the same phone number and addressing my concern with the supervisor " XXXX '' she then attempted to deny the call ever happened with their office. 
This is a clear violation of my privacy rights, and because the call did occur XXXX is violating the deceptive practice 's of the FDCPA. 

I would request that the Consumer Protection Bureau please audit the phone records of this company. The company has XXXX complaints against them with the better business bureau.