davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (MA)

This was a charged off loan by ACS. After XXXX plus years of payments no monthly bills were sent to the correct address and no phone calls by them occurred asking for payments. They had cell phone numbers for my son as the recipient of the loan and my self as the cosigner. 
We were never contacted received no default notice. The only reason we are aware of the charge off is because of a credit report that was pulled in the last two weeks. I am more than willing to pay what is due but in the same token I have been personally damaged by erroneous filling by ACS to the credit bureau.
Consumer complaint received 2016-02-05
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

XX/XX/XXXX or XX/XX/2015, I referred my mother XXXX XXXX to apply for a personal loan at OneMain Financial in XXXX XXXX, MD. There telephone number is XXXX.My mom 's loan was approved. Also, I have been a customer with this company for approximately 3 years and have referred others to the company. My mother called to inform me that I can be rewarded for referring people and I would receive {$100.00}. When my mother informed me of this, in XX/XX/XXXX or XX/XX/XXXX, I contacted the company and spoke to XXXX XXXX. I asked XXXX XXXX if I could be reward for my mother 's referral. XXXX XXXX stated that normally it has to be done at the time the customer completes the receives the funds. However, XXXX XXXX said that she would contact her manager to see if they could give me the offer. XXXX XXXX called by back to say that she was going to do it this time but in the future I would have to give my clients a number ( she provided me a number ) so that I could receive the {$100.00} for referring them. On XX/XX/XXXX, I contacted XXXX XXXX asking the status of my {$100.00}. XXXX XXXX told that that since it was too late she could not do it. HOWEVER, IN XX/XX/XXXX SHE TOLD ME THAT SHE DID IT AND IT WILL TAKE 6 TO 8 WEEKS TO RECEIVE THE CHECK. THIS IS FALSE LIES TO A CUSTOMER AND POOR CUSTOMER SERVICE. WHY XXXX XXXX NEVER CALLED ME BACK TO SAY THAT THE DECISON HAD CHANGED. YOU MEAN TO TELL ME THAT {$100.00} WILL HURT THIS COMPANY MUCH AS I HAVE BEEN AN CUSTOMER AND MY FAMILY. I FEEL THAT ONEMAIN SHOULD AWARD ME THE {$100.00} SINCE XXXX XXXX STATED THAT SHE PROCESSED THE ACTION. IT IS UNPROFESSIONAL TO RUN A BUSINESS TELLING CUSTOMER FALSE INFORMATION. IT IS NOT GOOD CUSTOMER SERVICE FOR ME NOT RECEIVING A FOLLOW-UP CALL TO INFORM ME THAT THE ACTION WAS REVERSED.
Consumer complaint received 2016-01-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc. (WA)

The insurance company is responsible for this charge, I was and presently am a Federal employee and medical /dental insurance is extended 31 days after separation from employment. I left my job the same month I visited this dental office, they are aware of the 31 day extension and refuse to bill the correct party for this charge, the dental insurance company. I 've regained my Federal employment status and hold the same insurance. They sent this account to collections in error. They need to bill the insurance company and remove the fraudulent charge off of all my credit reports, they have caused me a tremendous hardship.
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hello Please understand that Select Portfolio Servicing refuse to modify my loan in order to keep my home because i had a PO Box as my mailing address. 
As of XXXX/XXXX/XXXX Select Portfolio Servicing placed me on a HAFA Short Sale since they denied my loan modification application, Select Portfolio Servicing placed a value inspection thru a Brokers Price Opinion which it came back at {$380000.00} After several months under review As of XXXX XXXX Select Portfolio Servicing order a new Brokers Price Opinion hiring a new company to perform the evaluation, A few weeks later, the new report came back at {$550000.00} as the new value. 
As of XXXX XXXX i disputed the value since it did n't make any sense that the value increased almost {$200000.00} in just a few months. 

Select Portfolio Servicing refuse to take the report that i prepared for them to dispute the value, i spoke to a manager from the ombudsman dept. who told me that in order to dispute the value i will have to pay for an appraisal out my pocket. 
So i did, i paid for a Licensed appraisal to go out to my home and confirm the value, a few days later i received the full report showing that the value was {$400000.00}. 

Now Select Portfolio Servicing is refusing to use the Appraisal that Select Portfolio Servicing forced me to pay for in order to dispute the value, i requested for a manager since this is ridiculous that they keep providing me with misleading information and now they just refuse to help me avoid foreclosure. 

Please help since all im trying to do is now sell my home in order for me to avoid foreclosure. 

XXXX XXXX
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Ocwen has done XXXX things I would like reviewed. However, I did agree to XXXX of them. The following are my complaints:1 ) Credit Reporting - Ocwen promised, verbally, that negative reporting information would be removed from my credit reports. They cleared up a portion, but they are still reporting several months as 180 days delinquent. 
2 ) Foreclosure Fees - Ocwen promised, verbally, that they were waiving the foreclosure fees. They have not and it is more than {$3400.00}. 
3 ) Interest Rate - Ocwen offered and I accepted 4.25 %. This rate is still too high and I have requested multiple times that Ocwen reduce the rate to 2.0 %.
Consumer complaint received 2015-04-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Kimball, Tirey & St. John LLP (CA)

Contacted me on XXXX/XXXX/14 via and did not inform me that it was an attempt to collect a debt with threats to garnish my wage. I have been making payments on a monthly basis since XXXX 2014 to current in a timely manner and they have not reported payment history to credit agencies. I have been charged interest in addition to the original debt owed. Since the year started I have been weekly letter from the company as a reminder to make payment by the XXXX of the month and just made a payment the week prior. My monthly payments have been paid in a timely manner via online account through the debt collector.
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On several accounts they were listed but were not correct from the original creditors who filed inaccurate and duplicate information. Sometimes up to XXXX different times. Penal codes were not followed by the credit reporting agencies as well as the federal laws. These items need to be taken off per CA law of a 3 yr statue. Penal code 1748.10 and Federal Law FCRA 62 ( a ) ( 5 ) ca ( iii ). Some of the items were not mine but the creditor insisted they were mine. Gave an address that was not mine as well. I have lived in the same house for 22 yrs.
Consumer complaint received 2015-09-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I continue to receive phone calls from this debt collector even after informing them they have the wrong person/phone number. They are calling about someone with the same first and last name as mine, but a different middle name. I have informed them of their mistake and they promise to remove my phone number from their database, yet I continue to receive calls from them.
Consumer complaint received 2015-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dispute letter along with original documents from the Creditor was mailed in regarding the incorrect balance of XXXX. I do not owe the amount shown on my credit report. I also attached a letter explain the breakdown of the incorrect amount. The credit bureau has failed to insert a proper investigation for the item. The reporting agency only went by what the creditor responded. The documents clearly states the balance is incorrect. 
Attached in the packet was the original agreement, copy of payment summaries as well.
Consumer complaint received 2016-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Atlantic Credit & Finance, Inc. (TX)

I received a call from a place claiming to be ACS, I 'm currently up to date with my student loan payments so there is no reason for this harassment. They called from ( XXXX ) XXXX, they called yesterday twice. The woman on the phone fought me to introduce herself before finally saying XXXX from ACS. A company I have never heard of.
Consumer complaint received 2015-07-04
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (OK)

On XXXX XXXX, 2014 I applied online for a Sam 's Club MasterCard offered through Synchrony Bank. My application was approved and I was informed that I would receive my card in 7-10 business days, after the quoted duration passed I called to inquire about the card and I was told that I do n't get a card and that it 's on my Sam 's Club membership card. Confused at this I questioned the CSR more and found out that they had given me a line of credit I did not request, the Sam 's Club Personal Credit Card, which is a line of credit good only at Sam 's Club locations. After attempting to get this, obvious to me, error resolved through their Customer Support number and then eventually through a XXXX complaint I was left with a hard pull on my credit report and a useless to me credit line. Since my complaint they have fixed their wording on the application which could be loosely construed as an admission of fault.
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Our complaint is about Penfed not honoring its advertized policy of holding the loan rate unchanged, in spite of their agreeing to " lock the rate for 60 days ''. 
When I ( XXXX ) made my first call to Penfed, in XXXX, I enquired about the terms and conditions for a loan rate which they had advertised. I was told that besides the usual creditworthiness etc, there were XXXX conditions. The loan should be a " conforming '' loan ( amount less than {$410000.00} ), and there should be a 20 percent down payment. In a few days I called again to finalize the amount of the loan. I mentioned that based on the on the value of our house given by XXXX ( {$580000.00} ), 20 percent down ( {$460000.00} ) would exceed the the first condition, so I was considering {$410000.00}. I then asked if, on the other hand, I were to request {$400000.00} ( which would be 30 percent down ), would that lower the loan costs? I was told that it would not. The loan rate would not change as long as the criterion of 20 percent down was met. 
So, we filed an application for {$410000.00} and chose to " Lock the rate for 60 days ''. On XXXX XXXX we received an " Interest Rate Confirmation Agreement ''. More than a month later, XXXX XXXX XXXX ), my wife received a mail saying that the house appraisal had arrived and that it was adequate. However, in a few days the interest rates went up, and they sent us a new loan agreement. While this new agreement nominally had the same interest rate, the other costs had dramatically increased by about {$6000.00}. I complained, and I was told that the costs had gone up because the appraisal was too low. I pointed out that while one can raise questions about the method of appraisal, it still satisfied the 20 percent criterion, and as a matter of fact, their first reaction to the appraisal was that it was " good enough ''. As a result of my protest the loan costs were slightly reduced, but they were still far higher than the original agreement. 
In a nutshell, in spite of promising a 60 day lock on the interest rate, effectively the rate was significantly increased. And in spite of a subsequent modification ( after our complaint ), it still stands quite a bit above the original agreement. 
We are enclosing the following : File 1 : The original contract File 2 : Letter indicating that the appraisal was " good enough ''. 
File 3 : Modified rate File 4 : Readjusted rate File 5 : Appraisal XXXX and XXXX XXXX XXXX
Consumer complaint received 2016-03-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (OH)

For the last few months I have been told verbally ( recorded line supposedly ) that I would qualify for another deferment ( 2 month deferment ) to help me get my loan caught up as I have been paying one month in arrears for months. I was told to just keep making a payment monthly even though it 's behind and I would qualify in a " couple '' months. Well today, I asked for that deferment and was advised that I do not qualify until XX/XX/XXXX for another one. She only advised me of XX/XX/XXXX after I threatened to file a CFPB complaint. I feel completely mislead by this company. I advised them that they need to coach their representatives not to state a " couple '' months to customers when referencing when customers will be qualified as this misleads the customer to thinking that they will qualify and can get back on track soon. I have been going through a divorce and not getting child support ( child support will be court ordered XX/XX/XXXX ). I pay daycare and all child expenses on my own. I have struggled the last 6 months, yes ... but I felt there was help again as I was advised I would qualify for deferment in a " couple '' months. Please feel free to listen to the recordings where XXXX representatives the past few months and this month have advised me that I would qualify in a " couple '' months. Only when I threaten a complaint do I get an honest answer.
Consumer complaint received 2016-03-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (SC)

I was a cosigner on an auto loan for my wife with Santander. We completed an online change of address with Santander on XXXX/XXXX/XXXX from our XXXX SC address to our XXXX SC address after relocating. My wife and I later separated. She contacted Santander in XXXX XXXX and requested a voluntary repossession on the vehicle after financially not being able to afford it. I was not made aware of this until reviewing my credit report. Santander never contacted me regarding this. They never advised me that this repossession was taking place. I was denied the opportunity, as a signer on the loan, to keep the vehicle and make good on the account. I contacted Santander in writing on XXXX/XXXX/XXXX advising them that my rights had been violated and that as a resolution, I requested my account be deleted with the credit reporting agencies and my financial responsibility be terminated. They responded in writing with a copy of a letter sent to my old address, which I never received.
Consumer complaint received 2023-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Hi Portfolio Recovery Associates Inc, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my XXXX account ( managed by XXXX XXXX ). On XXXX, I mailed check # XXXX to XXXX XXXX XXXX XXXX  to pay off the balance however, on XXXX the check was endorsed and deposited by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) into a Misc Deposits account. After realizing the payment was missing, I opened 4 disputes with XXXX XXXX XXXX XXXX XXXX Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my XXXX account, due to the check not being cashed by XXXX XXXX but being cashed by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) ( Please see attached check for confirmation ). XXXX XXXX ( Corporate Consumer Relations Senior XXXX at XXXXXXXX XXXX XXXX suggested, I contact Portfolio Recovery Associates ( PRA ) via phone at ( XXXX ) in addition to the Consumer Financial Protection Bureau complaints ( Complaint Number ( s ) for PRA are XXXX and XXXX ) for further investigation. XXXX XXXX XXXX suggested Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) conduct an investigation by reviewing their remote deposits report from XX/XX/2022 and confirming the check is on the Remote Deposits Report. After I contacted Portfolio Recovery Associates via phone at ( XXXX ) and the Consumer Financial Protection Bureau ( Complaint ID # XXXX and XXXX ) regarding pulling their remote deposits to locate the missing check and provided them with my full social and spelling of my name, I was told several times, they will not conduct further research or an investigation with an account number. According to the response from a Portfolio Recovery Associates Inc representative in regards to Complaint # XXXX, PRA investigated my complaint, and found XXXX XXXX sent the funds to PRA with instructions to credit those funds to an account that was not mine, and PRA has requested that the funds be refunded to me and no further steps or follow-up actions are required. 
I did receive Check # XXXX for the amount of {$880.00} via USPS, however I did not receive any documentation confirming XXXX XXXX sent the funds to PRA with instructions to credit those funds to an account that was not mine. The documentation is needed to dispute the interest charges that occurred due to this error. To remove the interest charges from my XXXX XXXX XXXX Bank account, please provide me with documentation confirming XXXX Bank sent the funds to PRA with instructions to credit those funds to an account that was not mine. 

Thank you for your time and assistance with this investigation.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I encountered a billing error and never received the correct billing statement, which caused confusion about the payment due date. Additionally, the late payments notices arrived after I had already made the payment. 
There was also a clerical error where my payment was applied to the wrong account, causing a delay in processing. 
I provided bank statements, payment confirmations, and proof of the communication with the creditor where these errors were acknowledged. Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-21
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. (AZ)

Dear Experian To Whom It May Concern : I was in the process of applying for new employment and housing and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number # XXXX Delete this account.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TN)

Chime closed my account for no reason at all! Ive never done fraudulent activity or anything other than use it to pay bills & save my money! My account was closed XX/XX/XXXX XXXX & im yet to receive a tracking number for my funds. I was supposed to receive a check for XXXX $ & another for XXXX $ & I still havent gotten an update on my money or whats going on. I always get the run around. Its XX/XX/2023 how do I not have my money & it was supposed to be here in XXXX like they told me on the phone. Ive literally called everyday since my account was closed. This is not fair to me at all & I have not been able to pay bills for 2 months now