davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

My wife and I purchased a home in XXXX 2012 with an FHA loan through PennyMac. We have been paying PMI as required, but recently requested termination of the PMI due to significant increases in property value. The first request was denied about 8 months ago and we recently submitted a second request. I believe our loan docs state that PMI is to be carried for at least 5 years, however, everything I have seen shows if the home value does not exceed 78 % of initial loan amount then PMI is not required. I have also read that upon request of termination of PMI PennyMac could request an appraisal on our property. We would be happy to pay for an appraisal and feel our property far exceeds the loan to value ratio. Our loan amount was for {$160000.00} and similar homes in our neighborhood are selling for well over $ XXXX. Any information or effort you can make in resolving this matter would be greatly appreciated! We look forward to hearing from you!
Consumer complaint received 2016-02-01
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (TX)

The debt is not reported accurately. Texas state law statue of limitations starts on the day the last payment on the account was made. Referred to as the DLA. The information just reported to the credit bureaus is not correct The DLA is over 6 years old. The Texas statute of limitations is 4 years. Civil Practice & Remedies Code - Chapter 16, Section 004. The debt is outside the 4 year statute of limitations, and I am not liable for this debt. JH Capital Group Acct : XXXX File # XXXX is inaccurately representing this account and is in violation of Texas State Law and I am not liable for this debt. I request their information be removed from my credit report.
Consumer complaint received 2015-04-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc. (GA)

XXXX collections are from the medical field.I have contacted my insurance company to find none of these claims were filed correctly I have XXXX ( national association of letter carriers ) and my wife has medicare all these were for her treatment not mine. Her primary insurance is medicare XXXX XXXX. These companies representing collections is incorrect information Medical companies do not know how to bill. the largest amount is XXXX which was an ambulance ride for my wife medicare pays full amount we owe all XXXX collections are inaccurate filed incorrectly
Consumer complaint received 2015-09-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (IN)

THIS COMPANY HAS THE WORST CUSTOMER SERVICE EVER. I HAVE BEEN CALLING FOR 2 WEEKS BUT THE DEPT I NEED IS NEVER AVAILABLE. THE REPS HANG UP ON ME CONSTANTLY OR THEY ; XXXX PLACE ME ON HOLD THEN HANG UP. I NEED A DISPUTE MARK ON MY CREDIT REPORT TO BE REMOVED. THE ONE TIME I SPOKE WITH A REP IN THE CORRECT DEPT THEY GAVE MEBAD INFORMATION THEN PLACED ME ON HOLD THEN HUNG UP. PLEASE HELP )
Consumer complaint received 2015-07-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC (MD)

For the past couple of years I have been trying to negotiate with XXXX XXXX XXXX for a favorable payment. Due to extenuating circumstances and family commitments I am unable to afford my monthly assessed payment for the life of my loan. When I began experiencing financial difficulty I immediately reached out XXXX XXXX to get on favorable payment schedule to bring my account current. Sadly, I could not pay the monthly payment and past arrerages that brought me to this point. Needless to say I defaulted on my private student loans because XXXX was unwilling to provide any reasonable workout options to include a reduction in interest rate, late fees or principal reduction. My account with XXXX was recently transferred to Transworld Systems , Inc. collection agency who is demanding a payment of {$80000.00}. On XXXX XXXX, 2015 @ XXXX. I spoke to XXXX XXXX at ext. XXXX and XXXX XXXX XXXX, Operations Supervisor at Transworld Systems ; XXXX XXXX can be reached at ( XXXX ) XXXX. In speaking with XXXX XXXX he stated that XXXX will be willing to accept a lump sum payment of XXXX, when I asked if any other options were available he said that I could pay the interest but it would not affect the principal amount and when I asked if the a payment arrangement could be made for a debt settlement amount he stated that none were avaiIable at present. I asked for all of my payment options to be documented in writing and he said the only option that could be documented would be a pay-off amount of the $ XXXX. I am asking and praying that you would be to assist me in this very serious matter so I can get into positive pay for my private student loan so I do not have to file for bankruptcy.
Consumer complaint received 2016-02-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Turning Point Solutions LLC (CA)

Phone call on home landline phone from Advance Capital Solutions claiming to be a debt collector and alleging that I have an outstanding debt from 2011 to XXXX in the amount of approximately {$160.00}. Wanted me to pay it immediately by credit card or send check. I told them the debt was not mine and requested a copy of the XXXX membership contract with my name. They kept insisting it was my debt and I needed to pay it. I said when I receive information then I will probably file a police report of identity theft if it truly shows my name and address, etc. I gave them my address to mail to. They said they would, however since then I have found by using their phone number on the internet that they are either a scam collection agency or a real agency with fraudulent practices. Phone number was XXXX Ext 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. (FL)

I am filing this complaint against XXXX for violating my educational privacy rights under the Family Educational Rights and Privacy Act ( 20 U.S.C. 1232g ) and the implementing regulations ( 34 CFR Part 99 ).

Detailed Explanation : 1. Background Information : XXXX has improperly disclosed my student loan information to third parties, including credit reporting agencies, without my consent or proper authorization. This disclosure violates my rights under FERPA. 
XXXX. Legal References : Under 20 U.S.C. 1232g and 34 CFR Part 99, my educational records, including student loan information, are protected by federal law. XXXX, as a servicer of federally-backed student loans, is required to adhere to these privacy protections. 
XXXX. Impact on You : The unauthorized disclosure of my student loan information has negatively impacted my credit score and caused financial harm. It also represents a breach of my rights to privacy regarding my educational records. 
XXXX. Previous Attempts to Resolve : I have contacted XXXX previously to address this issue, but they have failed to take corrective action to protect my privacy rights under FERPA.
Consumer complaint received 2015-04-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (AZ)

I financed a truck with ALLY at the end of XX/XX/XXXX. It was my understanding that payments would begin in XX/XX/XXXX, but I did not receive any paperwork from ALLY. In early XX/XX/XXXX, I received a phone call on my cell phone ( not my preference because I have a severe hearing loss ) while out of town with a very rude service person demanding to know where my payment was. I clearly stated that I had not received any information from ALLY, and that intended to pay as soon as I knew all of the particulars. In the end, I made a payment over the phone and made it clear that I owed no late fees because of ALLY 's error. Since then, I periodically receive late fee notices that are now nearly the amount of a payment. I have written to dispute this error repeatedly and in XX/XX/XXXX checked my credit and ALLY has listed me as XXXX thirty days late on a payment. I have never been late on a payment and have it set up with my credit union to automatically pay ALLY every month on the XXXX. ALLY calls and tries to force me to use their check service for my payment which charges an additional fee, and I tell them repeatedly that my credit union does not charge me any fees and it is automatically deducted from my checking account. Now, I got a credit alert that ALLY has listed me as being late on XXXX payments! This is totally untrue and my credit score has dropped by XXXX points! I want the late fees removed from my account and my credit deleted of any late payments.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX 2015 I was informed while attempting to obtain a new lease with another car company that XXXX XXXX XXXX ( " XXXX '' ), whom I currently lease a vehicle from, had reported my account to the XXXX major credit bureaus ( Transunion, XXXX, XXXX ) as 'delinquent ' for the months of XXXX and XXXX despite making all the necessary lease payments in a timely manner. My payment schedule will confirm such. 

This egregious, potential violation of the FCRA has driven my credit score to the level in which no local Credit Union will provide lease financing at my original negotiated rate with the dealership. XXXX claims to have reported no notices of delinquency however it 's clearly present on all XXXX credit reports I obtained. Disputes have been submitted. 

I have contacted and urged XXXX leadership to fulfill XXXX 's XXXX Customer Value to " ... promote a customer-driven corporate culture by providing the best quality and impeccable service with all of our efforts aimed at satisfying our customers. '' This has gone beyond any stage of inconvenience and has become detrimental to my ability to engage in critical necessities for my livelihood. I have respectfully requested this situation is rectified with the credit bureaus immediately so as to prevent any further damage caused. 

Thank you for your attention in this matter.
Consumer complaint received 2015-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (TN)

I checked my credit report because I was denied credit. I called and contacted the company and asked to receive a written/letter of notification that I owe this debt. The person I talked to would not send out a notification. He stated that they would email a notification if I would set up payment arrangements XXXX. I feel that this is not right. I only know about the debt because I checked my credit report. I have not received any type of letter from this debt collector that I owe a debt. I also feel that he was very pushy in wanting me to set up arrangements and pay off my debt, even though they have not mailed me any correspondence that I owe a debt.
Consumer complaint received 2016-02-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

At the Bank of America Branch located at XXXX XXXX XXXX, XXXX, MO XXXX where I have my personal checking account. One day XXXX XXXX XXXX a Loan Officer of Bank of America suggested that we should look into changing our Merchant Accounts to process our credit card transactions at our XXXX. XXXX XXXX XXXX introduced to XXXX XXXX XXXX Assistant Vice President of Bank of Amerca and he was excited to know that we have XXXX and XXXX have credit card transactions done by different companies, XXXX and XXXX. XXXX XXXX XXXX has promised to us that if we transfer the XXXX accounts to Bank of America, he would give us a very good deal ; in that they would pay us {$500.00} if we are not saving money using Bank of America Merchant Services for our XXXX. 

XXXX XXXX XXXX has promised us that : 1. Bank of America would insure that the credit card readers for XXXX were going to be in compliance, as of this writing of this letter, nothing has been done to the equipment to bring them up to compliance. 
2. Bank of America will pay {$500.00} if they can not save us money. As of today, we see no lower fees from Bank of America compared to XXXX and XXXX XXXX XXXX XXXX. 
3. XXXX XXXX XXXX has promised us that he would make sure that Bank of America pays our termination fees for both companies XXXX XXXX XXXX and XXXX XXXX XXXX to come over to Bank of America Merchant Services for XXXX accounts. XXXX charges us XXXX XXXX dollars ( {$300.00} ) termination fee and XXXX charges us XXXX dollars ( {$390.00} ) termination fee. As of this writing XXXX XXXX XXXX said that he has submitted request for Bank of America to pay us the termination fees XXXX times ( XXXX ) and as of this day writing this letter, we have not received any reimbursement for the termination fees from Bank of America. 

We would like to settle this by having Bank of America pay us XXXX XXXX and XXXX dollars ( {$690.00} ) for the reimbursement of the termination fees from the other XXXX XXXX XXXX XXXX XXXX and XXXX.
Consumer complaint received 2015-04-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Asset Recovery Solutions, LLC (OH)

Received a call from company on XXXX immediately asked for written verification kept interrupting not wanting to send. Sent a certified letter that day XXXX requesting more info.and disputing. From XXXX until present day they keep calling. We talked to them on XXXX & they said they did n't receive the certified letter, receipt shows they received on XXXX. On XXXX I sent XXXX certified letter & tracking shows should be delivered on XXXX. I have copies of the letters disputing and requesting further written information and receipts to show it was certified. The rep did say she would cease contact but I do n't feel they should have contacted after XXXX until written information was received from them. They are calling work and home daily.
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (FL)

We have a loan modification with a shared appreciation clause with Ocwen Loan Servicing since XXXX. We sold our home outright XXXX, XXXX XXXX. They charged us for an appraisal not called for in the agreement, ( XXXX, ) and ignored crediting us for a new roof ( XXXX. ) done since the agreement, also in the contract. They lose all docs. sent, they over and over make you set up phone appointments with Relationship Managers who continually tell you that some other dept. ( which you can not talk with ) is working on the complaint and will have an answer is 2 to4 business days - the answer never comes and the run and round never stops. We need our money and it is very clear they do not not intend to give it to us! They are nothing better than crooks defrauding their customers. They have lost XXXX sets of papers sent only to now ignor us completely. Yesterday they said a ltr. went out to answer the complaint - i asked for it to be emailed - this am it came. They answered the question about foreclosure costs ( we we never in forecloser ) and again stated they could ask fo the appraisal - they did not even mention the roof replacement. MY WIFE AND I ARE IN OUR XXXX 'S AND OUR HEALTH IS NOT GOOD AND GETTING WORSE EVERYTIME I HAVE TO CHASE THEM AND END UP A SCREAMING MANIAC FOR THEIR IGNORANCE AND ILLEGAL MANUEVERING!!! THEY ARE GOING TO KILL XXXX! WHY IS THIS COMPANY ALLOWED TO DO THIS - THERE ARE HUNDREDS OF COMPLAINTS ON THE INTERNET AND NO ONE IS TALKING ABOUT THEM ... WHY ARE N'T THEY EXPOSED IN THE MEDIA FOR WHO THEY ARE - LIARS, CROOKS, THIEVES. PLEASE CAN SOMEONE HELP US?
Consumer complaint received 2016-02-18
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: EMBRACE HOME LOANS (MA)

Embrace Home LoansMy daughter and I applied for a mortgage for her new house right after XXXX. We have been going through the process since then and they keep asking us for the same documents over and over and keep moving the closing dates and we can not get a straight answer from the Sales Manager, the mortgage manager or the processing department. We get different answers from different people every time we speak to anyone. Very frustrating to say the least plus the fact that my daughter is going through a divorce and wants to move out of their house and move into her new house. please help us and put an end to the incompetency of this company and other ones.
Consumer complaint received 2015-09-17
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CNG FINANCIAL CORPORATION (CA)

They will not stop calling my job ; the office where I work and leaving threatening messages. I called them & told them I can not receive calls at work- he said he was not going to remove my work number from the record and they were going to come serve legal papers at my job. I advised that is against CA State Law ; he laughed & said " have your attorney call ''
Consumer complaint received 2015-09-17
Product: Payday loan — 
Issue: Can't contact lender — 
Company: The Eastbrooke Group LLC (TN)

The Eastbrooke Group, llc has contacted me and used fraudulent tactics of jail and charges against my name and social security number to get my debit card information to collect on a debt at 10 years old. Everywhere I 've researched this is a scam. I 'm concerned that my identity will be compromised.
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

In an attempt to pay off my loan with Ocwen, I sent XXXX large payments to the institution on XXXX XXXX that would have decreased my loan amount to within a couple of hundred dollars ( you can not send XXXX payment that exceeds 80 % of the loan balance so I broke the payments up into XXXX XXXX. I scheduled the payments for the same day because I did not want any interest to accrue. After a few days, I noticed where the XXXX payments were withdrawn from my bank but that my Ocwen balance had not changed to reflect my XXXX payments. I called Ocwen on XXXX XXXX to ask about the payment. The Ocwen rep explained that because the XXXX payments were scheduled for the same day, that it exceeded the 80 % max limit. I asked Ocwen to return my XXXX payments. The rep said it would take XXXX business days. I called Ocwen back on XXXX XXXX when my funds had not been returned to my bank account. I gave them my account number and routing number to my bank, information that I am sure they already had since my monthly mortgage payments are debited from my account. They asked me to wait a couple more days. I called Ocwen back on XXXX XXXX. The rep asked me to be patient and assured me that the funds would be returned by XXXX XXXX. There were no funds returned to my account on XXXX XXXX. I called Ocwen again. I was asked to wait 40+ minutes on hold while the Ocwen rep put me in touch with an escalation specialist ( ES ). The ES told me that my funds would be reurned within XXXX hours and that he had put it in as a priority because I had called so often. There were no funds on XXXX XXXX. I called Ocwen again to see if there was a problem. There was. After speaking to a rep and another ES, I was told that my funds could not be returned to me! The ES said that he did not see my funds! He claimed to put me in touch with someone who XXXX be able to address my concerns. So that 's where I am now, on hold waiting to speak to yet another person! This is a significant amount of money and I fear that Ocwen is trying to get away with keeping my XXXX payments!
Consumer complaint received 2015-06-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Buckles & Buckles, P.L.C. (MI)

Buckles and Buckles, P.L.C. has wrongly made numerous attempts to collect on a debt, provided the court with untruthful information leading to a default judgment against me for {$10000.00} which I NEVER received service of. After I contacted Buckles and Buckles informing them I was the wrong XXXX XXXX and providing my social security card proving it did not match the social security number listed on account. Somewhat incredibly Buckles and Buckles refused to dismiss the judgment and more incredibly refused to properly investigate, maintaining their original position. Additionally, once i became aware of their attempt to tag me onto this debt, i sent them a letter specifically requesting proper validation. Buckles failed to provide any kind of legal documentation of any application.
Consumer complaint received 2015-07-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Please see attached documentation. It explains I quick deeded the property in 2010 and have no further obligation financially to this however Chase continues to report it to all three credit bureaus and there are lates associated with the property that are very detrimental to my credit and it is illegal.
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I just received a notice from Capital One notifying me that my credit card and personal information were involved in a data breach at a business which I had made a purchase at recently. The letter was informing me that they were canceling my card and re-issuing me a new XXXX as a security precaution. The letter ( and subsequent ) email which I received from them did not name the merchant involved in the data breach. When I called to find out what merchant it was they would not divulge the information and said that they had no way of knowing which merchant it was who had the data breach. Well, that seems a bit illogical considering that they must know which merchant it is if they are aware that said merchant had a data breach and it was a threat to their system ...,
Consumer complaint received 2015-09-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo bank and it subsidiary ASC America Servicing Company is stating that I have a Mortgage loan contract with them. I never signed a contract with them and I want them to produce a copy of the contract with my wet ink signautre. The mortgage company has also called me with threats and put papers in my mailbox for foreclosure at XXXX XXXX XXXX XXXX XXXX New York. They are also dual tracking me on top of all of this. I never entered into a contract with this mortgage company. Wells Fargo and its Subsidiary are predatory in nature. I also made payments for the hamp program but my money was stolen.