davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

Several years ago I enrolled in automatic payments and unfortunately did n't do my due diligence on following up with the loan provider. Logging in our account and seeing were our money has gone has been incredibly devastating. I am a XXXX and graduated from a college that is now closed. 

School : XXXX ( now closed ) Loans : XXXX {$28000.00}, and XXXX {$22000.00} TOTAL AMOUNT : {$50000.00} Payments started XXXX, with the first payment being {$25000.00}. It was NOT applied toward the principal balance XXXX Automatic monthly payments of {$240.00} were setup XXXX/XXXX/XXXX payments increased to {$250.00} XXXX/XXXX/XXXX payments increased to {$280.00} Since XXXX/XXXX/XXXX Navient has been charging LATE FEES ranging from {$13.00} - {$30.00} even though I am enrolled in automatic payments. 
95 % of payments have been applied towards INTEREST and FEES. 

The loan reflects a XXXX % variable interest rate. As of today, XXXX there is a principal balance of {$24000.00} and {$15000.00}, totaling {$40000.00}.
Consumer complaint received 2016-09-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (CA)

I spoke with a representative 2 weeks ago and told them that I would be paying off my debt within the month. They have been calling me consistently every day multiple times a day ( minimum of 9x/day ) from multiple phone numbers. 
The various phone numbers are from all over the country so it makes it seem like it 's a different company but it 's ALWAYS the same collections agency.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC. (NY)

I have tried for the past year to get them to get me all the proper documents to verify this account and it has not been verified yet this was open up fraudulently. This is the 3 rd time I have sent a letter to the company
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously submitted a complaint on XXXX/XXXX/16 using CFPB and received a response on XXXX/XXXX/16 stating what I 've copied and pasted below from their original response ... However After pulling my report the following items are still showing that they claim they deleted : Inquiry for XXXX Card on XXXX/XXXX/16 Inquiry for XXXX XXXX/XXXX/16 There 's also XXXX other XXXX inquiries that I was n't able to dispute due to the dispute form not allowing me to add more entries. 

XXXX * " TransUnion said : Explanation of closure In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit XXXX for frequently asked questions about your credit report. '' * " Relief We received your complaint about the fraudulent items in your credit report, and apologize for any difficulty you may have experienced. All items identified in your complaint have been deleted. '' * " Response We have reviewed your complaint along with the information you previously provided regarding this issue. However, after reviewing the activity on your file, along with the information in our data base, we have deleted disputed items. ''
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear Sir or Madam : On XXXX my wife and I took a mortgage with XXXX. On XXXX XXXX, XXXX XXXX assigned the mortgage to XXXX . On XXXX XXXX, XXXX XXXX assigned the Mortgage to XXXX. However, XXXX did not notify the County Clerk 's office of this assignment. Currently, XXXX is part of XXXX and XXXX is part of Bank of America. According to the County Clerk 's Office, the assignment of XXXX to XXXX first needs to be recorded, and then a lien release ( letter of satisfaction ) needs to be issued. According to XXXX ( please see file # 6 ) Bank of America will be the party responsible for both actions. Please note that we have contacted Bank of America over the telephone regarding this issue, but they insist that the party responsible is XXXX. We are in dire straights and need to clear this matter with the County Clerk 's Office in order to secure a loan to pay for my daughter 's college tuition. Your help will be greatly appreciated. Please see all relevant documents attached. 
Sincerely, XXXX and XXXX XXXX.
Consumer complaint received 2024-10-08
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: Atlanticus Services Corporation (VA)

I have requested the full complete application on several occasions from this company. I want to see my had written signature and also Any identification that was used to state that this is my account. I sent 3 letters XXXX They have failed to provide any information that validates I signed my so future and provided a picture ID or social security card to get this credit card. They sold the account and now a third party is trying to collect on a debt that is written off and closed.
Consumer complaint received 2016-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (OH)

I was formerly a tenant of XXXX XXXX XXXX. The apartment attempted to illegally evict me ( did not notify me prior to eviction proceedings ). I have fought this eviction through HUD. We went to court against the plaintiff XXXX XXXX XXXX, to which, the case was dismissed at the cost of the plaintiff and no judgement was made against me. I contacted the debt collection company that is now managing this debt, and says she can still pursue collection for damages. They are claiming this is for rent and damages, however, it is an exorbitant amount, one of which I do not owe according to Ohio Law. She said the hearing is separate and they are authorized to pursue collection activity. She said the amount could be adjusted to reflect the amount of monies XXXX XXXX XXXX recuperated after acquiring a new tenant, however, this amount has yet to be adjusted. If the case was dismissed in court at the cost of the plaintiff, how can collection supercede a judge 's decision. Additionally, I have been unable to rent due to this disparaging item on my credit report. I am not seeking monetary relief, solely the removal of this item from my credit report.
Consumer complaint received 2017-02-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America refuses to remove me from XXXX for something that was clearly a mistake. They are very difficult to deal with and I am not getting anywhere. I am about to hire an attorney to get this resolved. I will be suing for defamation of character and will find something legally that they are doing wrong so I can also open a class action lawsuit against this company. This the most uncooperative bank I have ever dealt with. It 's in the banks interest to remove me from XXXX because I will take this as far as I can. I will contact the media, attorney and anyone who will listen.
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. Transunion, XXXX and XXXX. Please assist with having this information remove from my credit file. The information do not have my name on the debt. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NC)

I told this company yet again as I have been telling them for almost a year that I have pages of inquiries that are not mine. My husbands ex wife at some point ran our credit over and over in an attempt to mess up our credit rating after she was served with child support papers. Since then I have tried to get the reporting agencies to remove these fraudulent inquiries. All other reporting companies have complied except Equifax. Equifax almost cost me being able to get approved for my home we just bought. I am a XXXX and have been for 10 plus years, my husband is XXXX and all we are trying to do is live our life. We pay our bills and I do n't think It is fair that I am penalized for things I did not do. This company refuses to do anything about this. Everytime I file a complaint all they do is send me a paper that says " inquiries are of factual record '' and they ARE NOT because I did not give consent in any way. Verbal, written, implied or otherwise. It 's like these companies just do n't care that they report wrong information
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (WA)

I am an XXXX so I understand how website/software works. What I described below is not user error. 

When XXXX first came out, I could use the website to get credit reports from XXXX agencies at once. 

Three years ago, Experian first stopped working and gave me this mystery error " Unable to complete your request, please mail your request in '' one year ago, XXXX stopped working, and today all XXXX have stopped working for the online version of credit report requests. 

I am suspecting the credit companies are deliberately making it harder for consumer to request credit reports. Are there any monitoring from CFPB to ensure they comply the law with good intention?
Consumer complaint received 2017-02-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (GA)

In XX/XX/2016 I made a purchase on my Macy 's store card. Within the next two billing periods, I paid off the balance, and did not use the card again. I rarely used the card in general, therefore did n't have need to constantly check the website. In XXXX I began receiving increasingly more phone calls about an uncollected debt. After calling Macy 's Credit and informing them that I paid off the balance, they informed me that somehow a small charge of interest was made to the account that then began accruing late fees. They told me that they would take care of the fees, and agreed that I had paid off the balance, and the account would be back to XXXX. Fast forward to XXXX, and the exact situation occurred, where an interest charge was added to an account balance of XXXX, and late fees had accrued on it again. I explained the situation all over again, and they reached the same conclusion. The error was on their part, and they would reverse the fees, and this time, I closed my Macy 's account completely. I had them send me letters of confirmation of account closure as well as to the credit bureaus to inform them of the error Macy 's Credit had been making to my credit. Now again in XXXX, I received more harrassing calls saying that my account was past due and I owed more than {$150.00}. In reviewing the statements, I see that the exact same situation has happened again, and Macy 's has continued to blatantly disregard my credit and time. The most recent offense shows that they did not in fact remove all of the late fees in XXXX when they said they did, and the amount that was left on the account accrued late fees again, which led to more harassing calls on an account that is now closed, and had promised to me to have been resolved. I keep having to call their customer representatives for them to just tell me that they see exactly what I have been saying all along, that the balance was paid off long ago. This vile attempt to collect fees, and harassing me continuously is unjustified, and horribly apparent that this scam that they are perpetrating to collect more money than ever spent in their stores is grossly wrong. I am so tired of having to deal with this, and were it not for my diligence in the matter, I know they would continue to try and bully me into paying them more undeserved money.
Consumer complaint received 2016-05-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

I purchased a home XX/XX/XXXX. It went into foreclosure XX/XX/XXXX. The home was originally purchased with cities residential. The the loan was sold to homeward. The eventually ocwen. At one point I had all XXXX loans showing on my credit with out the " transferred '' note\status. Through multiple disputes with XXXX and allow time to take place, XXXX of the XXXX loans were removed. The only loan that remains is ocwen. Ocwen is still reporting I think this is incorrect because of the time/duration that has passed since the loan inception from when the property was purchased XX/XX/XXXX Or When the last payment was made XX/XX/XXXX or when ocwen took over which was XX/XX/XXXX. All of these durations exceed 7 years. Ocwen is reporting to Equifax correct information and even though I keep disputing and keep trying to resolve with ocwen. No progress is being made. My credit has dropped significantly in the last 60 days and I believe it is due to ocwen. Please help me. The home is already sold so the amount due is incorrect as well. The address to the property is XXXX XXXX XXXX XXXX PA
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Total Card, Inc. (AL)

I have been a victim of fraud and Identity theft. I have reported XXXX to all XXXX credit bureaus about this and they have went to every extreme to notify this company that I was a victim of identify theft and fraud. I am also contacted the company stating that this not my account and sent in an affidavit stating it is not mine. I have also had my attorney to submit a letter to this company and they still have yet to respond back to me or my attorney. I am very furious about this because I have sent supporting documentation to this company even though they think the social number matches name and birthday they still think it is mine account. I have never opened a credit card with these people at all. I am very furious about this and this is my second time reporting it to CFPB and I still have not gotten any satisfaction from this company about this account. I have went over and beyond doing what I need to do about this and I do not know what other steps there is to take. If this is not off my credit by this company by XXXX XXXX as requested by my attorney please let this company know that we will sue them for continuing to have negative untrue things on my account about having a card with them. This is the last time I will be contacting them about this account next time they will be receiving a subpoena from my attorney for a appearance date in court. I expected to hear back from this company before XXXX XXXX. If not further action will be taken by my attorney and I know you got her letter because it was sent next day. Please have the company contact me back before XXXX XXXX so that we can try to settle this out of court if not legal action will be taken.
Consumer complaint received 2017-02-17
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ARVEST BANK GROUP, INC. (AR)

I went in to Arvest Bank on XXXX XXXX in XXXX,, on XXXX/XXXX/17 to open a savings account. Although I have been a customer and have a checking account for several years, I was turned away. The account representative and the branch manager said they could not tell me why other than that they use XXXX and that I am on a no new account list. I called the main office ( XXXX # ) and was not given any more information. I was told that they do n't know why this happens and to call the social security administration. I requested a report from XXXX on XXXX/XXXX/17 and I was furnished with a report dated XXXX/XXXX/17 noting " No Information Found ''. My complaint to Arvest is they should have handled this differently and been able to provide me with information why they were denying me opening a new account.
Consumer complaint received 2016-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC. (CA)

There are XXXX accounts on my credit report that show open and in collections. The XXXX accounts were included in the Bankruptcy Chapter XXXX filed in XXXX XXXX. The United States Bankruptcy XXXX granted a discharge in XXXX XXXX, XX/XX/XXXX.I have filed a dispute in XXXX XXXX with XXXX in regards to have the XXXX accounts debt removed from my credit report. As of today, it still shows on my credit report.
Consumer complaint received 2015-08-24
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (GA)

I applied at Wells Fargo for a {$50000.00} equity line of credit on my manufactured home. Was " conditionally '' approved. Then received email stating they do not do " manufactured homes ''. 

l am finding no one will give me a equity loan on my manufactured including XXXX and XXXX. 

This is discrimination.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC (MI)

I started my loan application with XXXX about 2 weeks ago. After putting a rate review on there website I received a call from XXXX XXXX XXXX. The reason I went to their listing was because they were boosting a XXXX closing cost refi for my situation. After speaking with XXXX he assured me that it was indeed a zero closing cost loan. All I would have to pay was for the appraisal {$450.00} and have money at closing to cover my escrow for the year. After 2 weeks of sending the required paperwork in, they then notify me that I would have to bring {$2800.00} to closing. This includes my escrow and which is right around {$1000.00}. So they are hitting me with {$1800.00} with fees after their site and XXXX said there would be none. In my eyes this is the definition of bait and switch. Since locking in my rate the rates have gone up so if I were to go with another lender I would not get the 3.25 % rate on my 15 year loan. So not am was I charged for an appraisal that is squandered if I do not continue and pay their fees that they did not disclose and assured me I would not be paying, it will cost me thousands in the long run if I do not pay up ...
Consumer complaint received 2017-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (TX)

I want Southwest Credit to Validation that I owe them with proof of signature of a contract signed.I hereby authorized Southwest to release proof of contract with my signature as a validation to consumer protection Bureau.
Consumer complaint received 2015-08-22
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (NC)

I have a credit card with Wells Fargo. The " due date '' on my account is the XXXX of every month. ON XXXX XXXX, 2015 I went to my online account with Wells Fargo ready to make a payment to my account ... .this was at XXXX. When I opened my file and looked at my account online, my balance had gone up {$35.00} with no explanation ... additionally there were alert messages in red stating " Your account is over limit, remit payment at once ''. I had not charged anything with that card and looked at the definition of " date due '' ... .which clearly states that you have until XXXX on that business day to make a payment BEFORE late fees are issued. 
My complaint is that Wells Fargo is assessing a " late fee '' at the beginning of the day on the date due and not at the end of the day, as the law reads. I feel that this is illegal and should be looked into. Thank You
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Today I received an email from " Equifax '' dated " XX/XX/2018. '' It inaccurately stated that my " ( Federal ) Student Loan '' as " Payment Deferred '' instead of " Discharged '' ( i.e., " paid off '' ).
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ray Klein, Inc. (CO)

this company continues to list an amount not due constituting fraud furthermore the original debt was paid over a year ago to the original debtor XXXX XXXX XXXX and XXXX is not entitled to a collection fee since they did not collect the debt, this has already been removed from XXXX and XXXX at least once or twice but has continued to reappear furthermore the dates are also incorrect considering i opened this account in XXXX of 2013 and was closed as of one year ago last XXXX
Consumer complaint received 2016-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PMT Solutions, LLC. (WA)

The electric company accidentally closed my account and sent the debt to a collections agency. I contacted the electric company per the collection agency to resolve the issue. The electric company confirmed they had accidentally closed my account, but I still owed that debt but I could pay it to them. I paid the amount that same day to the electric company. The collection agency has contacted me several times after I had explain I had paid the debt and I no longer owe it.