davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I recently bough a Nissan car that I financed through Nissan. After I bought the car I set up a recurring payment auto-draft through the website. It has an option to pay an additional amount with an asterisk next to it. At the bottom of the page the asterisk is explained " *PURCHASE : Additional amount will be applied to any outstanding charges on your account first and then the principal balance. The regular payment and the additional amount will continue to draft each month, as scheduled. '' The part about the principal balance is in bold on the website. I chose to only set up the XXXX payments as I wanted to pay additional principal with these payments but I was not sure how much additional I would want to pay after the XXXX months. Today I logged in to set up the recurring payment for the next XXXX months and noticed a payment due date of XXXX/XXXX/2016. I called and was informed that my additional amount had been applied to my next payments due instead of the principal. I was told that I could not apply the additional amount to principal with the recurring payment despite what the recurring payment page said. I told them they needed to fix it and they said they would submit the request but that it would take a few days. I was also told that since my payment was due today and that it takes a few days to process the request, my payment for this month would be pulled from the amount I intended to use to pay down the principal. I was then told that future additional amounts to be paid toward the principal only should be mailed with a reference on the check for principal only. All this despite what is says on the recurring payment page.
Consumer complaint received 2015-06-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I applied for home modification back in XX/XX/XXXX and was approved for XXXX years and after XXXX years Bank of America sent me a letter stating the modification was denied due to lack of the co-borrowers signature. I have applied several times since then. This last submit of a modification it was sent to a upper level because it had been over XXXX days for a response. XX/XX/XXXX, a different case manager called and stated the case manager told me the wrong thing and I had to reapply again. This has been going on since XX/XX/XXXX and I 'm exhausted and look like I will lose my home because Bank of America does n't communicate with each other. Loan # XXXX ... Please help I 'm trying so hard not to lose my home and I 've worked very hard to believe in the mortgage system and the judicial system. Thanks in advance.
Consumer complaint received 2015-10-08
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (VA)

I have been harassed, threatened and charged fraudulent fees by a company ( OCWEN Mortgage ) that I do n't even have a mortgage with currently they are demanding that I pay them for insurance they supposedly purchased because I refused to make them loss payee on my homeowners policy. This all stems from this company acquiring my personal data from a paid off mortgage ( HELOC ) that I had previously with XXXX Bank. XXXX sold my mortgage when they went out of business to XXXX XXXX. I did n't want to do buisness with XXXX so I paid ( overpaid actually ) off XXXX XXXX Apparently, XXXX was in the process of selling off HELOCS to OCWEN and that is how they got my info. They assumed a credit balance of {$75.00} which was an over payment to XXXX Before I ever heard from them at all I began receiving robo calls from them demanding that I immediately remit " Zero dollars and zero cents '' immediately. That went on for weeks until I found the CEO of OCWEN MORTGAGE 's home phone number and began calling him. I have contacted them repeatedly for the first year and told them that I did not have an account with them and never would do business with them for any reason. I also demanded that they refund the credit balance that I overpaid to XXXX XXXX. The next year they began threatening to " purchase insurance to protect my loan '' ( which did n't exist ) and that it would " cost more than if I purchased it myself ''. By then I had stopped even opening the XXXX or XXXX documents then sent me every month for the past 3+ years. The lien on my deed has never been removed even though there is no balance remaining from the paid off, always pays as agreed status of that loan. This company is nothing but a criminal enterprise. At a minimum I want the deed to my property cleared. Jail time for the criminals that run that scam would be nice, and I would cooperate in anyway I can but that would be a bonus.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed numerous accounts on my credit reports and they would remove them because they could not be substantiated or the information was wrong. I go back and check it again and they have put them right back on my credit reports. 

One in particular is CASH - one month they state I owe them {$1400.00} - then all the sudden it went to {$140000.00} - I called to dispute and they did remove it but turned around and put it back on their this month!
Consumer complaint received 2015-03-29
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

I am currently unemployed, so I am looking for work. I received an email about a XXXX XXXX position on XXXX/XXXX/XX/XX/2015. I requested more information and and received additional details and some paperwork to complete from XXXXXXXXXXXX. After I performed some research on the company and not finding anything negative, I completed their paperwork on XXXX/XXXX/XX/XX/2015 and awaited further instructions. On XXXX/XXXX/XX/XX/2015, I received an email advising that I had been chosen as a XXXX XXXX. I next started to receive calls from XXXX XXXX XXXX XXXX XXXX XXXX who started the training process of me initially processing checks for their customers as well as funding loans. I was also contacted from XXXX XXXX XXXX XXXX. They wired funds to my account on XXXX/XXXX/XX/XX/2015 and XXXX XXXX to Money Gram this to XXXX of their customers. This was done today XXXX/XXXX/XX/XX/2015 and the Money Gram reference # XXXX. Shortly after the funds were sent, they reversed the initial funds from to my account. The amount of my loss is {$990.00}. Please let me know if you need additional details or if you have questions. This company is still in operation doing business as usual. I would like to see them taken down as they stole my hard earned money and are still using the same website, phone numbers and email addresses. I would like to help out as best I can.
Consumer complaint received 2015-07-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: STERLING JEWELERS, INC. (FL)

Kay Jewelers is reporting erroneous derogatory information to all XXXX of my credit bureaus. Upon opening a Kay Jewelers account I opted in a insurance payment coverage protection plan offered by Kay Jewelers. I utilized my payment protection plan when I became unemployed & the insurance protection plan covered my remaining small balance with Kay Jewelers. Kay Jewelers reported this account as a charge-off with a {$0.00} balance & with the original creditor as XXXX XXXX. This is not accurate. I utilized insurance offered by Kay Jewelers which paid the remainder of my account well prior to this account being charged off or in any derogatory standing. Kay Jewelers failed to apply the insurance payment to my account after numerous correspondence that it would be applied and leave my account open with a {$0.00} balance. After several failed attempts to resolve the issue I learned Kay Jewelers submitted the insurance payment that was suppose to cover my Kay Jewelers account to an outside charge-off company, which is a breach of contract. Kay Jewelers is willfully reporting erroneous information to all XXXX of my credit bureaus. I will continue to document & utilize every resource to get this issue resolved. 
Account_Number : XXXX
Consumer complaint received 2015-10-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AZ)

I received a judgement from a law firm of XXXX XXXX XXXX based out of XXXX, AZ, numerous time they have violated collection practices in collecting a debt. The most recent which is prompting this complaint is they were sent a payment in full letter, dated XXXX/XXXX/2015 and sent certified on XXXX/XXXX/2015. I find out today they do not have the copy of that letter nor are they sure were it is as it is not in my file. However I have proof they received this letter as well as the letter was sent to the company that sued me of Midland Credit Management, and to my payroll department. The letter stated the debt had been paid in full by my records, and as such they were not to communicate any more to me other they to state the debt was paid in full. They are trying to blame my payroll department for not calling them, and that it happens all the time, so instead of owning up the matter they are blaming another party.
Consumer complaint received 2015-10-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Santander Bank, branch @ XXXX PA closed our XXXX ( XXXX XXXX ) accounts on or about XX/XX/2015. Representatives at branch & compliance told us they mailed XXXX checks for the ending balances. As of this date Santander Bank has lied misrepresented and refuses to return our deposit money, {$28000.00}. Branch Manager XXXX XXXX is not cooperating, nor is XXXX or XXXX ( branch assistants XXXX. Compliance Dept has told us XXXX times that the branch closed the accounts and is able to issue us a bank check at the branch however, no one is cooperating. Our XXXX may close as a result of Santander Bank 's fraudulent representations and refusal to return our demand deposit money, principal amount owing {$28000.00}. We ask the honorable CFPB to open an investigation and seek justice which we believe is the principal amount plus penalties and interest. Thank you.
Consumer complaint received 2015-06-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collections Acquisition Company, Inc. (MN)

On XX/XX/2015 I submitted a FULLY VALID check ( convenience check with plenty of available balance ) to a grocer and it was sent to collections erroneously as a " returned check '' because they did n't process the check properly. The debt collector it was sent to lied to me, stating they sent me a notice XX/XX/2015 about this check being " returned ''. I never received that letter and they sent me a " copy of the letter '' ( dated XXXX XXXX when they sent it after I called, not XX/XX/2015 ), when I discovered the error on my credit report. The bank on which the check was drawn NEVER RECEIVED the check and thus could not have returned it. I have that letter in writing from that bank proving it was never received, thus not returned. Now my credit scores have plummeted, and is marked as a collection. Just today on XXXX XXXX it is saying the collections were removed, but my score is still disgustingly low, and it has marred my standing for anyone looking at my report all this time. It is showing I wrote a " bad check '' when I did no such thing! My scores were " Excellent '' and now " Poor '' due to something I did not do, and the involved bank gets off scott free.
Consumer complaint received 2015-05-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I responded to a marketing message from PennyMac and inquired about a refinance. I received a quote from XXXX XXXX and advised him that I will continue to shop around. I ended up finding a better deal and informed XXXX and PennyMac customer Service that I will not be moving forward with them. I heard no response from XXXX since, today I received a package in the mail that was sent to my address and had my home on the loan documents. However, there was PII data from another PennyMac consumer.
Consumer complaint received 2015-08-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

A Credit Card with XXXX showed up on my credit, I do not remember ever having this credit card. They have charged it off on my credit report and I recently disputed it. They have now turned it over to Midland Funding LLC and is now showing up on my credit report as both XXXX and Midland Funding LLC. The credit report is showing the last payment made to XXXX was back in XXXX of 2010.
Consumer complaint received 2015-08-30
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. (WA)

A collections agency, CMI-Credit Management LP, is trying to collect for a bill I do not recognize. They purchased this from XXXX after I closed an Internet service account. XXXX claims I had a cable modem that was theirs. 

This is false. Prior to XXXX 's acquisition of XXXX XXXX, I purchased my own modem to receive an upgraded XXXX service ( and avoid modem rental fee ). Upon the acquisition, I some how ended up in their system as a modem/router rental account. I had to dispute, on a couple of occasions, a " Wifi service fee '' that XXXX never provided ( I owned both the modem and router ). My guess is I was still marked as owning equipment in their accounts.
Consumer complaint received 2015-12-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Campus Student Funding, LLC (MO)

In XXXX I took out a student loan through my school, XXXX, a XXXX school. The loan was held by, XXXX XXXX XXXX, XXXX XXXX XXXX, my loan was bought out by, Campus Student Funding , LLC , and managed by XXXX . When this switch occurred it dropped my credit score by XXXX points. XXXX XXXX, I paid this loan in full, only to find that Campus Student Funding , LLC and/or XXXX never registered this loan to reflect on my credit score. I have contacted XXXX XXXX and XXXX in attempts to reach Campus Student Funding and XXXX XXXX, the company they are associated with, to no avail. They have damaged my score and in not registering my loan they have deprived me of a chance to improve and further build my credit history.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.
Consumer complaint received 2015-08-30
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is in regards to the false reporting, False information and poor privacy and security of thr Bank of America in XXXX California where I had account with them since XX/XX/XXXX to XX/XX/XXXX. My account was compromised due to lack of their efficiency to resolve or to atlest have a better communication within their departments. I am fighting to attain my lawful rights and clear my name through XXXX where they had reported me even I disputed that amount of {$810.00} and i kept on sending them IDTheft documents and BOA never investigated that issue and where the funds went because those funds were made available to me and was never had any problems with it and they never received it back so unknown person came in and took my money. The next thing i knownisbthat I am receiving the calls from Collections and investigations firm called XXXX XXXX XXXX XXXX. I then sent out XXXX XXXX affidavit of Identity theft with explanation and after their investigation thry cleared me that you are zero liable and they should return your XXXX. First of all reporting to XXXX system knowing the account holder is victim of IDTheft and it 's a violation, Collections is another violation because I had suffered a lot because every bank i would go they would n't let me open an account. I was very disappointed and discriminated because of their wrong doings and even now when everything rechecked ro it 's conclusion and the Fraud and if theft department specialist named XXXX and said it 's all cleared just send in the XXXX paper saying they had stopped the collections due to the investigators proved that I am zero liable and did n't do anything wrong. Since 3 years I have been asking them and they are making me go from one department ro other and no one seems to help. Secondly, then BOA 's cancelling my checks alia also a illegal act for which I am going to report then to XXXX and XXXX XXXX.
Consumer complaint received 2015-10-06
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

After I told them on XXXX/XXXX/15 that I hold POA for my mother XXXX XXXX they called her anyway on XXXX/XXXX/15 and harassed her for the money. She is XXXX old and has XXXX. I told them this on XXXX/XXXX/15 and yet they called her anyway. This is entirely unacceptable.
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems of the Fox Valley, Inc. (WI)

I rented apartment XXXX. when we checked in carpet had burn marks. they promised to change later but never did. this is noted in check in and checkout sheet. After giving key I requested manager to check if everything is ok. he said everything is ok and I will not be charged any thing. This company did n't gave my deposit back, instead they sent a bill for XXXX i called and sent later they never responded. after 2 year a collection agency sent a later. I replied again that I do n't owe anything and I have a proof. they never verified and reported credit agency. this company does this with almost all tenants.they never gave deposit back or never discuss issue. someone need to check this companies record. is any govt. agency can help against this daytime robbery?
Consumer complaint received 2015-08-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

XXXX/XXXX/2015 I am due a refund of {$1000.00} from Wells Fargo Home Mortgage for a mortgage payment made in XXXX, 2015 but held in escrow ; it was never applied to principal and interest, or property tax, or property insurance, and should be refunded to me promptly. 
IMPORTANT NOTE : CONTRARY TO ANY OTHER CLAIM BY WELLS FARGO, I AM ALWAYS AVAILABLE AND EASY TO CONTACT. I RETURN PHONE CALLS PROMPTLY, AND I REQUEST NOTES BE WRITTEN IN MY WELLS FARGO FILE SO ANY REPRESENTATIVE CAN READ THEM TO ME IF THE ORIGINAL CALLER IS NOT AVAILABLE WHEN I CALL BACK. 
I sent a mortgage payment of {$1000.00} to Wells Fargo Home Mortgage on XXXX XXXX, 2015. The check was received but held in suspension. In XX/XX/XXXX, instead of being applied to principal and interest, this {$1000.00} was applied to an " advance escrow '' account. There was no reason for putting my mortgage payment into an escrow account. In all the time I had my loan, I never used an escrow account, because I always paid my property tax and property insurance directly. EVERY TIME I sent a payment, I provided information so Wells Fargo could verify that my insurance payments and property tax payments were made in full and on time. 

On XXXX XXXX, 2015, Wells Fargo sold my house at a foreclosure auction. ( See Wells Fargo 's response to my XXXX XXXX, 2015 complaint, Case # XXXX, for verification of XXXX XXXX sale date. ) At that time, as usual, all my property tax and insurance payments were up to date. 
-- & gt ; Any debt I owed to Wells Fargo was immediately cancelled on XXXX XXXX by the foreclosure sale. 
Wells Fargo informed me by letter and phone call from WFHM executive XXXX XXXX on XXXX XXXX, 2015, that they have decided not to reverse this foreclosure sale. 
A month has passed ( today is XXXX XXXX, 2015 ), quite long enough for final accounting, yet this {$1000.00} has not yet been refunded to me. It can not simply go missing ; it must be refunded promptly.