davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX, 2016 there was a deposit in my account of XXXX and more dollars and buy the on that same day I had withdrew {$200.00} leave old me {$200.00} plus answer by Monday one of the companies that would draw a monthly had taken out their portion of XXXX. Over the weekend the account was in - {$3.00} by Monday when I would deposited the XXXX that left the account with a few dollars left over and the company money was taken out by Wells Fargo. By Wednesday or so I recieved a call from the company I 've been dealing with that takes out money they informed me yet they have not been paid. When a calling Wells Fargo one of the representatives had an attitude and basically told me there was nothing they can do for me because I 'm not understanding where my money went when I clearly understood once they took out my money they have replaced it on Tuesday of XXXX which they had and for me as well and then came back on that Wednesday and told me I was negative and I can pay for anything which does n't make sense because the other bill is XXXX so if I have XXXX in the account why ca n't XXXX XXXX bill be paid this cycle became very repetitive and irritating
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am an authorized user on a XXXX Credit Card with my wife as the primary. Back in XX/XX/XXXX. of 2016 we made a payment of {$3000.00} on this account. It was reported and reflected correctly with XXXX and XXXX but not TransUnion. I called them to get them to show our correct balance. It turns out that TransUnion 's policy is that if an authorized user files a dispute, then they just delete the account altogether. Makes no sense and they failed to alert me to this when I called. I have tried repeatedly to get this account reinstated with TransUnion but have not been successful. They tell me that they ca n't reinstate accounts and that the creditor must do it. Again makes no sense since the creditor was n't the one who deleted the account, TransUnion deleted it. I have called XXXX XXXX4 times and they have sent me letters indicating that they are correctly reporting the account to all XXXX bureaus and that I should contact the agency directly to find out why it is not being reported correctly. I have faxed these letters in to TransUnion. Still no luck getting this account to be shown with TransUnion even though it shows correctly with XXXX and XXXX. TransUnion 's customer service has to be XXXX of the worst I have ever dealt with.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed the Federal Tax lien on my credit report with all XXXX reporting agencies and only XXXX has removed it permanently. I contacted TransUnion last XXXX 2016 and furnished proof of Release of the tax lien and they did not remove it from my file.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (GA)

I received a collection notice from an agency stating I owed a debt to a company that I have an active/current account with. I called them about the letter, stated I have no outstanding balances with them. They agreed, told me to " disregard '' the notice from the agency. I told them I can not because this needs to be resolved before this reports to my credit. A ticket number was created, I followed up in one week as they requested. When I called, I was told a note on my account states, '' disregard collection notice. account is in good standing ''. I told him that will not suffice and that I need something in writing from them or the debt collection agency. I was told to call the agency directly. I did that same day. A rep said I will need to dispute in writing. I did so by fax, requesting them to validate the debt with an invoice, final bill, etc. None was ever received from them. Today, I get an alert from my credit monitoring company that this debt has shown up on my XXXX file. I immediately called the original creditor, Comast, and explained this situation. I gave the previous ticket number. I was told nothing is owed. I asked the rep to call collection agency on 3-way and let them know I do not owe this. He claimed he would create yet another ticket for them to " research '' this. XXXX nor the collection agency have been able to validate this debt that I do not owe.
Consumer complaint received 2016-10-05
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Turning Point Solutions LLC (MD)

I attended a college in XXXX, XXXX in XXXX, Florida where I attempted a certificate in XXXX. The school was closed by either the Feds or Florida because of its unscrupulousness with students. As a result i am currently paying back my federal student loans, but i have been recently hounded by a private company requesting to pay XXXX dollar private loan that was taken out by XXXX enterprise in my name. I did not sign a promissory note about the private loan. and it was be foolish to take out a private loan when I am afforded opportunities to pay for my education with subsidize and unsubsidized student loans. I would like the harassment to stop. Additionally, the company can not provide me with any information regarding the loan and neither can they tell what my rights and responsibilities as laid by the law with loan collection. Please address immediately. Thank you
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (OH)

I just received the fourth notification letter from SYNCHRONY BANK since XX/XX/XXXX of this year about needing additional information associated with a credit application ( three were associated with WALMART and the most recent dated XX/XX/XXXX for JC PENNEY. Trouble is that I have not applied for a credit card with these companies. Within a day or two of receipt of the notifications I called the number listed within the notification letter to complain and was told that their fraud department would be notified to prevent issuance of a card for my name and address but apparently they do not know how to stop processing applications under my name and address or their fraud department is a bit indifferent as to this type of harassment.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax breach of Personal Information. I was one of 134 million potential consumers whose information was obtained via a security breach. I believe this breach could have been presented if proper security measures were implemented by Equifax. I have not voluntarily supplied my personal information to Equifax.
Consumer complaint received 2017-12-15
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Home Loans is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices by fanning a Loan Modification, then denying to wit without proper notification. 

This type of behavior of deflecting the homeowners attempts to get a fair loss mitigation resolution and is therefore an unfair business practice. 

Bank of America Home Loans is engaging in deceptive and misleading practices in regards to this loan Modification by arbitrary and redundant conditions. 

XXXX XXXX first mortgage at since XX/XX/XXXX at Bank of America Loan number XXXX is a federally insured XXXX XXXX with a principal balance of XXXX XXXX with rate of 6.25 % monthly payment of {$1100.00} and a second mortgage loan number XXXX XXXX XXXX with a principal balance of {$36000.00} at interest only rate of 6 % and a monthly payment of {$180.00} with a balloon payment of {$36000.00} due XX/XX/XXXX. 

XXXX XXXX fearing the looming balloon payment of {$36000.00} which she does not have contacted Bank of America to request help and inquire as to her options. To which there only offer was to apply for a loan modification which she did in XX/XX/XXXX. 
XXXX XXXX received a letter dated XX/XX/XXXX stating that we regret to inform you that based on careful review of the information you provide, you dont meet the eligibility requirements to qualify for a loan modification. However, youre qualified to pursue a short sale. Weve included more information about your shot sale option and reason ( s ) why your loan isnt eligible for a modification in the enclosed Results of Your Evaluation section. Exhibit A. YET THE IS NO SPECIFIC REASON GIVEN. 
A short sale is a sale of real estate in which the net proceeds from selling the property will fall short of the debts secured by liens against the property. 

Exhibit-B is Bank of America AVM dated XX/XX/XXXX7 for loan Number : XXXX with the estimate value if {$290000.00}. 
Exhibit C Mortgage statement dated XX/XX/XXXX the 1st mortgage prinpincal balance is {$180000.00} minus the value of {$290000.00} equals 62.85 % LTV or equity of {$100000.00}!

Exhibit D- Mortgage statement dated XX/XX/XXXX the 2nd mortgage prinpincal balance is {$36000.00} equals a total balance due of {$220000.00} equals 75.30 % CLTV or equity {$72000.00}.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (OH)

I have a balloon mortgage with Ocwen Loan Servicing that matured on XXXX/XXXX/XXXX. ( I have been working with a bank to refinance the mortgage. ) When I sent the XXXX monthly payment to the Ocwen that has the existing balloon mortgage it was refused/returned. I e-mailed the the Ocwen representative to find out why I could not continue payments while I was seeking new financing to pay their balance. They responded that after the loan matured they will only accept the full balance due of {$91000.00}. In XXXX they reported to the credit bureau that I am 60 days delinquent on payments. That report reduced my credit score from XXXX to XXXX.  Becouse of this report I was not able to finalize the refinance with XXXX XXXX. 
I believe this is unfair. I tried to make payments to keep in good standing while I was seeking refinancing.
Consumer complaint received 2017-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE (FL)

On the XXXX of XXXX, Barclay Loan received a cashiers check from XXXX XXXX XXXX in the amount of {$18000.00} to pay off the Barclay Loan. We did this to get a much lower interest rate which created a savings of {$7000.00} for us. 

Barclays cashed the check on the XXXX of XXXX XXXX. We went the check by XXXX and have the tracking number where Barclays received it. I have a copy of the check that was sent and the back and front of the cashed check. Barclays is claiming the can not locate the check, and therefore can not clear my account. They are also sending me late notices on payments. They know they have the check but refuse to credit my account until they can locate in their system. Since I have proven that they received and cashed it, I feel they should clear my account and do whatever they deem necessary on their end to located they payment.
Consumer complaint received 2016-10-27
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (OK)

This company has not proven that I owe any debt to them, I never signed any contract or agreed to pay AD ASTRA at any time. A TYPED name is not VERIFICATION that a contract was signed and agreed. If a contract was signed and agreed upon it was with a company other then Ad Astra. I am asking for information and signatures stating that I OWE AD Astra MONEY. I never signed any contracts with AD ASTRA I have no knowledge of them until recently.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (UT)

I purchased a ring from XXXX in XXXX, UT, in XX/XX/XXXX, under the 60 month no interest plan through credit from XXXX Credit Card, which I was approved for. And was told that it would be about {$65.00} a month. My wife did not like it, so she found one that she liked that was cheaper. And we were told that even though it was cheaper, the price per month would be similar, or a little less on the 60 month plan. And that I would be notified by the credit card company in a few weeks. So, I get the bill from XXXX and it is for {$140.00} a month! So, I spoke with XXXX on or around XX/XX/XXXX from their customer service and he told me it was a mistake and they would see about getting it fixed, and to go ahead and pay the $ XXXX for the first month and they would work things out. So I had not heard back so I contacted them again today, XX/XX/XXXX about the issue today and they told me that since my ring purchase was less than {$3000.00}, that it could not fall under the plan. And that it fell under the 18 month plan. That is not what I was told by the store and that is not what XXXX from customer service told me. I spoke with XXXX from XXXX, and she said the only way to fix it through their legal dept. And they doubt that could happen. Basically, from my point of view I was sold something on a lie.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (GA)

Equifax was breached by hackers today X/X/2017 and I checked to see if I was a potential victim and I am. Formally filing a complaint against them for leaking personal data.
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

Im definitely glad to see this I 've been complaining for years my student loans have jumped tremendously over the years I owe almost XXXX dollars because they always had reasons why I was not eligible for a repayment plan instead they keep putting me on forbearances which you continue to incur high interest on your loans Also school I went to all closed and unable to even get a job in the filledZ it was a waste.. the school was also misleading signing me up with these different type of lisns
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There are closed accounts showing on my credit report and I have tried to dispute numerous times with no help available. 

Accounts Closed referring to : XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX separate hard hits to credit by XXXX on XXXX/XXXX/16, XXXX XXXX in XXXX on XXXX/XXXX/16 and XXXX XXXX XXXX on XXXX/XXXX/16 were not authorized by me with any signed paperwork. These loans were not authorized and nothing was closed by me. Dealership was shopping to try to get a deal done that never happened.
Consumer complaint received 2017-02-12
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Funding LLC left court papers on my XXXX year old grandmother 's front door. My grandfather and father are both deceased. We share the same first and last names. The collection agency used unauthorized and incorrect information to file a complaint with the court in XXXX County - where I do not reside - over a debt over 6 years old. I have no recollection of this debt. I wrote all XXXX credit bureaus to have old debt removed 4 years ago. To my knowledge this account was removed. It appears to have been opened again in 2015 AFTER it was originally removed from my account. The collection agency will not stop leaving documents at my grandmother 's address - which is leaving her visibly shaken and upset - and calling repeatedly.
Consumer complaint received 2017-12-15
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. The XXXX XXXX XXXX XXXX  XXXX credit card account : XXXX is lost/stolen, and all of the charges/transactions are fraudulent and unauthorized. The following hard inquiries are fraudulent and unauthorized : XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Precise Financial Group, LLC (ND)

There is a bill from XXXX XXXXl being reported by PRECISE FINANCIAL GROUP XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO XXXX On my credit report. The opening date of this balance states XXXX of XXXX -- which is incorrect, since the loan was actually opened in XXXX. I then filed bankruptcy and it was included in the bankruptcy. I have spoken with Precise Financial Group regarding this and they tell me they do n't know what to tell me -- they offer no solutions to this problem. 

1 ) It seems that I have opened a new account in XXXX of XXXX which is inaccurate. I am trying to rebuild my credit and this is hurting it. 

2 ) I filed bankruptcy please report it as such. 

I want this removed from credit report immediately.
Consumer complaint received 2017-12-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I received notice from Carrington Mortgage Services LLC that my monthly payment would increase by {$12.00} per month for the next year to cover anticipated escrow charges. I offered to send in a check for {$140.00} to cover the next year 's escrow. Carrington representatives XXXX XXXX and XXXX ) told me it did n't matter what I sent in the payments would not change. The company refused to offer this basic customer service.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax mishandled my information in a grossly negligent way which has led to a breach that puts myself and hundreds of millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media on XXXX XXXX. What Equifax has done so far is NOT ENOUGH and leaves myself and hundreds of millions of others at risk of severe financial harm.
Consumer complaint received 2017-03-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

SO AFTER TRYING FOREVER TO GET A GOOD FAITH REVIEW FOR A LOAN MODIFICATION FROM XXXX. " XXXX '' ( WHICH WILL BE SUMMARIZED IN A SEPERATE COMPLAINT ABOUT XXXX ) MY LOAN WAS TRANSFERRED TO SHELL POINT MORTGAGE SERVICING " SP ''. SO IN AN EFFORT TO START THE PROCESS OF BEING REVIEWED FOR A LOAN MODIFICATION I WAS PUTTING TOGETHER A REQUEST FOR MORTGAGE ASSISTANCE AND CALLED " SP '' TO LEARN - ACCORDING TO THEIR RECORDS - BECAUSE THERE HAS BEEN ALOT OF CONTROVERSY REGARDING THIS THROUGHOUT THE LIFE OF THIS LOAN ... .WHAT THE MONTHLY MORTGAGE PAYMENT SHOULD BE ( ONCE AGAIN, ACCORDING TO THEIR RECORDS ). CALLING XXXX ON XX/XX/2016 AND SPEAKING WITH SP REPRESENTATIVE XXXX XXXX HE WAS ADAMENT THAT THE MONTHLY PAYMENT WAS {$3200.00}. AS THIS WAS QUITE A DIFFERENT NUMBER THAN WHAT XXXX HAD TOLD ME I ASKED HIM SEVERAL TIMES IF HE WERE SURE ABOUT THIS FIGURE?? AND THE ANSWER EACH TIME WAS A CLEAR " YES. '' SO I WAITED AND CALLED THE SAME NUMBER LATER ON THAT SAME DAY ( XX/XX/2016 ) TO DOUBLE CHECK ON THIS. THE REPRESENTATIVE WOULD NOT IDENTIFY HIMSELF BUT HE INFORMED ME THAT MY MONTHLY PAYMENT WAS {$5300.00}. 
I EXPLAINED TO HIM THAT THE FIGURE HE WAS TELLING ME WAS VERY MUCH DIFFERENT THAN THAT OF WHAT I WAS TOLD BY THE PREVIOUS SERVICER AND WHAT THE SP AGENT HAD TOLD ME EARLIER IN THAT VERY SAME DAY. BUT HE TOO WAS ADAMENT IN HIS FIGURE OF {$5300.00} AND WHEN I ASKED HIM SEVERAL TIMES IF HE WAS CERTAIN OF THIS FIGURE THE ANSWER WAS A CLEAR " YES '' EACH TIME. 
SO THERE YOU HAVE IT - IMMEDIATELY OUT OF THE GATES IN THE PROCESS TO GET A GOOD FAITH REVIEW FOR A LOAN MODIFICATION SP WAS STRAIGHT UP LYING TO ME ABOUT THE MONTHLY MORTGAGE PAYMENT ( WHICH OF COURSE WOULD MAKE IT IMPOSSIBLE FOR ME TO GET A LEGITIMATE REVIEW FOR A LOAN MOD UNDER WAY ). AND SINCE THIS HAS BEEN A SERIOUS ISSUE AND SOURCE OF GREAT CONFUSION GOING BACK ALL THE WAY TO THE ORIGINATION OF THIS LOAN COMBINED WITH THE FACT THAT I HAD JUST SPENT A WHOLE YEAR TRYING TO GET A REVIEW FROM XXXX ONLY TO GET A NEVER ENDING RUN AROUND - I REALLY HAD NO CHOICE BUT TO FILE BANKRUPTCY AT THAT POINT. AND WITH IT HAS COME MANY ADDITIONAL COSTS 2 ) TIME LOST ... .IT 'S TAKING A TON OF MY TIME AND FOR YEARS NOW I HAVE BEEN WASTING MY TIME ON THE PURSUIT OF A LOAN MODIFICATION AND I REALLY, REALLY NEED FINAL RESOLUTION TO FINALLY MOVE ON WITH MY LIFE. OTHERWISE I MAY JUST XXXX. SERIOUSLY.
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (TX)

I have called on behalf of my XXXX XXXX ( XXXX ) and maintained contact with the servicer, Great Lakes, indicating I am still unemployed and can not pay the requested payment amount. I called recently because my payment went from an agreed upon $ XXXX/month to $ XXXX/month. I CAN BARELY AFFORD {$75.00} ... much less the more than quadrupled amount due. When I called and asked for income based repayment, they said they could not offer me any reduced payment options " they 're hands are tied because it 's a not-federal loan ''. I said I could not possibly make the full payment but had already paid the {$75.00} and now this month I have seen my credit score dropped XXXX points again. THIS IS REVOLTING!!! Without credit in this country ... a human ca n't live! 
Please help?!!? They are bullying me! Please also note the attachment from an email whereby the creator of the loan from XXXX agreed that Great Lakes was not doing an adequate job of servicing me. Yet he did n't do ANYthing about the extra fees & interest piling up on my account during that time!