davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (CA)

I submitted a loss mitigation request back on XX/XX/2018. I never knew I had those options and was able to find help from a local law office who guided me in the right direction. Pacific Union never reached out to me to offer any assistance to avoid the foreclosure. When calling to follow up with the request, I am being told that it will not be reviewed because it was not received 30 days before the sale date and there is no time. The documents were submitted on XX/XX/XXXX, the sale is not until XX/XX/XXXX that is almost a month so the fact that they said they have no time is an excuse to just ignore my request and offer me no help at all. To this date, the have failed to provide me with alternative options and just want to sell my home with no remorse. I feel as though all my rights have been violated and I am being treated unfairly.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (OR)

Improper reporting to Credit Bureaus I found this company ERC on my credit report in XXXX of 2016 after having a lender pull my credit. I have never heard of them before and have never heard from them whatsoever. I never talked to these people or received any notice or letter from them. Was not aware of their existence until XXXX. The XXXX accounts that they reported to all XXXX credit bureaus were showing closed. I disputed them because I have never heard of this company before. After I disputed, ERC updated my credit report and started reporting them as OPEN, even though they were previously showing closed, they are old. I called the number several times to try to find out what this was about to no avail. I have yet to receive any call back or any information from anyone at ERC. Through some digging of my own, I found out that these XXXX accounts ( att and sprint ) are allegedly old debts that they bought from these companies. They must have bought them and then IMMEDIATELY started reporting them because again, they have never made any contact with me before reporting to all CRAs. The funny thing is that I have my current cell phone and tv service with XXXX, which I acquired after this supposed debt and an att representative just told me that not only can they not find any old debt that I owe, but that if I owed anything past due I would not have been able to get new services with them, without paying it or if at all. The alleged XXXX bill is an even bigger deal because it is much higher. It will always be crucial to me to verify or validate any debt that any company says I have due to the fact that I have had my SS # used by a family member in the past year ago and so I will always require validation just to make sure it actually does belong to me and to avoid becoming a victim at any point again. This was never done by ERC. As I stated, they simply bought these debts and starting reporting them, it seems. That collection tactic, I guess, is designed to shock/scare the consumer into to paying when they discover the surprise. The only thing they have done is to update my credit report and to change it from closed to open - now almost 4 years later.
Consumer complaint received 2024-10-10
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. (TX)

To Whom It May Concern,.

I completely disagree with the outcome of your investigation. Even after your examination, my credit report still shows the inaccurate things indicated below. For good cause, I would like these items to be looked into again right now. My credit score is severely harmed by these errors.

Additionally, in compliance with Public Law 91-506, Title VI, Section 611, Subsections A-D, and The Fair Credit Reporting Act, I require you to furnish tangible evidence of the information 's verification rather than a computer-generated affirmation.

I appreciate your time and assistance with this.
Consumer complaint received 2016-08-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WESTERN UNION COMPANY, THE (NY)

I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about WU Pay so, I downloaded the WU Pay ( Western Union ) in my XXXX. Then made a call to Western Union to understand the process. I was told to add WU Pay as payee in my bank checking account and paid the money I wanted to transfer into the WU Pay. So, I paid {$620.00} from my XXXX XXXX XXXX checking account to WU Pay and WU Pay received {$620.00} from checking account on XXXX/XXXX/2016. After making several calls and emails ; I was notified by Western Union/WU Pay dispute escalation team that they can not find my {$620.00}. I have provided them with cancelled check for {$620.00}, XXXX and XXXX bank statements to prove that they have my {$620.00} but Western Union/WU Pay is unable to locate my money.
Consumer complaint received 2016-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NY)

I have a federal student loan for two years of XXXX, both with high interest rates 5.4 % and 6.8 % respectively. My loan term was 10 years with relatively manageable monthly payments, but in an effort to try to reduce my loans faster, I made several larger payments even before my grace period ended, and tried to make big payments so I could pay off my loan sooner than possible. When I was making bigger payments, I would manually enter the amounts I paid towards the principal and interest. I was told that using the autodebit function would reduce my interest rate slightly, so I went with that. I was recently reviewing my payment history and discovered that by using the autodebit function, I was in fact paying a lower and lower share of my principal amount. I spoke to my student loan servicer today and discovered that they apply the amount so that my last payment conforms with the end of my student loan term. That means that by paying more now, I 'm effectively giving more money to the loan servicer over the long term and when I asked if they would revisit my loan term, they said I could request it, but it would not be guaranteed. How is this legal? How can I be advancing my payments and they we able to extract extra money from me because of it.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXX XXXX XXXXXXXX {$4200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX FOX COLLECTION CENTER XXXX XXXX XXXX XXXX, TN XXXX PH # ( XXXX ) XXXX Subject : Request for Validation of Debt Dear, FOX COLLECTION CENTER I am writing in response to your recent communication regarding an alleged debt. As I am currently unaware of this particular debt, I would like to request validation in accordance with 15 USC 1692g, which requires you to provide specific information about the debt.

Please send me written verification of the debt, including the following : The amount of the debt.

The name of the creditor to whom the debt is owed. A statement that confirms I can dispute the validity of the debt within thirty days of receipt of your notice.

A verification or copy of the judgment against me, if applicable. The name and address of the original creditor, if different from the current creditor. Additionally, if you believe you provided me with proper notification, please send me a certified receipt with my name and signature. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-05
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: MOHELA (MD)

I recently reviewed my XXXX credit report and noticed an outstanding education loan serviced by MOHELA that does not belong to me. The amount of the loan was {$24000.00} as of XX/XX/XXXX and originated on XX/XX/XXXX for {$20000.00}. I disputed the account with XXXX, but they told me they verified with MOHELA that the information is accurate. I contacted MOHELA on XX/XX/XXXX and a representative told me they could find no accounts associated with my social security number. They suggested the loan had been transferred to another servicer and advised me to contact the Department of Education, which I did immediately. The representative at the Dept of Education could find no outstanding student loans connected to me.
Consumer complaint received 2016-08-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Regarding Bank of America Lack of Access to Fraud Reporting Today, XXXX XXXX, 2016 at XXXX PDT I called to report fraudulent activity on my checking account. I sat on hold for 24 minutes with the fraud department, then was transferred to claims for another 16 minutes, in all, it took 58 minutes to report an unauthorized transaction. 
Both Fraud and Claims department are seriously understaffed while the voice on hold says my time is valuable and maybe I should call to make an appointment to go to the bank. Though, when fraud is reported at the bank, they just point you to a phone in the corner. 
I 've spent less time waiting on IRS. There is a general withdrawal of services by BOA and I feel it is a serious oversight in staffing for FRAUD when a consumer must sit on hold during workday for an hour. 
XXXX XXXX XXXX XXXX, 2016 XXXX to XXXX holding for a person in the fraud department. 
Phone : XXXX XXXX to fraud department prompts XXXX XXXX, 2016 XXXX to XXXX then holding for person in claims department. 
Transferred to XXXX XXXX ( claims )
Consumer complaint received 2016-08-23
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

I leased a 2003 Chevy Malibu from Ally Bank. The lease was for a three year period and XXXX miles. Upon returning the vehicle at the designated time at lease end and dealership, it was inspected by the dealer and found to have normal wear and no damage to either the interior or exterior and approx. XXXX under in allotted mileage. Ally Bank was notified of the return. The car remained at the dealership for an undetermine amount of time until a bank representative was sent to do an inspection. This inspection also noted normal wear with the exception of a so called crack in the side of driver 's seat. We received pictures of the alleged crack which were clearly undefined. There was no crack in the seat when the car was returned. Ally has retained the security deposit and is demanding an additional {$100.00} I have made 3 attempts to resolve this issue with the bank all of which have had no response. They now threaten collection and negative credit reporting. Ally Bank has made it clear to me that they have no intention to do nothing other than harass and strong arm me until cave in and write a check.
Consumer complaint received 2016-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (ID)

I have been trying to get FedLoan to accept the fact that I am a XXXX XXXX student and therefore subject to an education deferment for two months now. They lost the deferment paperwork I sent in and refused to respond to my queries with any personal replies. Instead, all I received were copy and paste responses from various different people who obviously did n't read my emails. No matter how hard I tried to get someone to actually read the emails I was sending, no one would do so. I would receive threats that I would be turned over for collection and be unable to get student loans, but no help, no actual response from a human, and no one would get a manager involved despite my requests. Finally I received an email stating that they were notified that I am in school with an " Out of School '' date of XXXX/XXXX/18. Now they are claiming that they do n't have the dates. I am still being charged and receiving threats that I will be turned over for collection and denied future student loans.
Consumer complaint received 2016-08-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ENCORE CAPITAL GROUP INC. (VA)

We paid our mortgage ahead of time to the amount of five months through XXXX of 2016. In XXXX of 2016, we got a court notice from the mortgagor stating that we were late in XXXX payments. What happened is that the mortgagor took money from the prepaid amount and paid on the principal without my knowledge. When we needed money for another pressing problem at the end of XXXX, I did not send any money to the mortgagor in XXXX and XXXX because it was prepaid. In XXXX I received notice to go to court for possible foreclosure. We want the mortgagor to reverse the payments to the principal.
Consumer complaint received 2016-08-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (TX)

Back in XXXX 2016, the American Express Platinum was offered a promotion of XXXX reward points with {$3000.00} spend in the first 3 months for an upfront charge on the annual fee of {$450.00}. I took the offer and earned the points that was deposited on XXXX 2016 on platinum account ending XXXX. On XXXX XXXX, 2016 the XXXX reward points was rescinded, it clawed back without any reason. As a consumer after paying the hefty fee of {$450.00} and legitimately met the minimum spending of {$3000.00} from the mall and car rental, with the points being clawed back with no explanation nor anything was proved that I was n't eligible/qualify especially after 3 months now the annual fee would be refunded this case is clearly a consumer fraud and dishonoring of their promotional offer. 

In resolute of this case I would like Amex to re-deposit the XXXX back to my platinum account ending XXXX and an formal apology with letter of explantation. 

I have contacted Amex reward team and spoken to XXXX on this case, her ID is XXXX with no avail.
Consumer complaint received 2024-10-10
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)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (FL)

My home is under foreclosure and a short sale has been in place since XXXX XXXX, 2015. We are dealing with a negotiator at Caliber Home Loans who changes her mind weekly about accepting or not accepting an offer. We have a XXXX lien which is requesting a specific amount of the loan to be paid towards them. Caliber previously agreed to paying them from the short sale and now is forcing us to use our relocation fees to pay for this XXXX lien. 

Meanwhile, another motion has been filed by Caliber to proceed with foreclosure. We can not seem to get this finalized once and for all. Our realtor has done all he can to work with Caliber on a resolution but to no avail. 

This process has been more than emotionally draining and frustrating. We are trying to avoid foreclosure and it does n't seem Caliber wants to cooperate and this particular negotiator seems to be the problem.
Consumer complaint received 2016-08-23
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I made a transfer from my Bank of America checking account to my XXXX savings account using online banking ( bill pay ) as I have done for years. The {$3000.00} was deposited in my XXXX account and then they took it out charged a fee and sent a check to me marked " refer to maker '' on it. I took that to a Bank of America branch and they deposited it into my BofA account. Then a few days later it was taken out of my Bof A account again with a " refer to maker '' error. I again went to Bof XXXX to get information and they put in a request for research. I then had a rep from XXXX contact me and state that they are doing a treasury trace but that XXXX presented the check to the treasury 4 times and that they still had the {$3000.00}. XXXX has been attempting to contact XXXX to get them to research it to no avail as they state the money is with Bank of America. This has been going on since XXXX and I feel that I have been defrauded out of XXXX since neither bank is blaming the other and no one can seem to get my {$3000.00} back into either account.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$41000.00} XXXX XXXX XXXX Balance : {$42000.00}
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I paid and mailed my Cap 1 Mastercard bill of {$76.00} on or about XX/XX/XXXX. I used check XXXX ( check copy attached ). I got an email on XXXX that my payment was late. An online check revealed that CP 1 had charged me a {$25.00} late fee and {$21.00} in interest for a total of {$46.00}. I tried calling that day but the voice recording said their offices were closed ( note : I live in Hawaii so there is a time zone difference ). I called CP1 on XX/XX/XXXX and rep. XXXX told me that they had only gotten the check today. I asked if they could waive all fees and interest and XXXX   told me they could only waive the late fee of {$25.00}.

I paid the bill on time and there is no indication that it was lost in the mail and for all I know the check could have been on a pile or misplaced at CP1. I have never been late before and it does not seem fair to have to pay {$21.00} interest on a balance due of {$76.00}, Capital One should reverse all charges ( {$46.00} ) as they did receive the payment, which was mailed on time. Additionally, I am a customer in good standing and never late.
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

My credit score with TransUnion was XXXX and then with no reason, TransUnion tanked it by XXXX points. The other XXXX credit reporting agency are showing my credit score to be XXXX and XXXX, respectively. TransUnion refuses to give me any reason for doing this. I want to know why they are destroying my life.