davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (SC)

Navient purchased some of my student loans from different lenders. I lost my job and needed to apply for income based repayment plan. XXXX of the loans that they purchased is was paid ahead. XXXX of my loans are currently on XXXX with them and they continue to send me bills and statements and charging fees and the reason they say is XXXX my loan is paid ahead. I can not help that my loan was paid ahead when they purchased it and they can not # XXXX put it on income based repayment for me # XXXX explain to me why I a getting a bill if it is paid ahead. I have been told by them several times that it 's a " computer glitch ''
Consumer complaint received 2016-12-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

Carrington Mortgage Loan # XXXX - This is the second time I have contacted you regarding Carrington 's business practices. You were successful on the first matter, thank you for that effort. I had serious financial matters earlier this year and my home went into foreclosure. I contacted Carrington and asked what I could do. We agreed that I would bring the account current. However the amount due would take XXXX5 days to pull together. I waited and was given a amount to pay to re-instate my loan. That amount was paid, and I begin to make my normal monthly payments of {$1300.00} in XXXX 2016. Since then my monthly amount due has been varying. I was informed when paying the back due amount their maybe a straggler fee coming in late. So when the first abnormal payment due I went ahead and paid it. The second time an abnormal amount was requested, 2 months after the reinstatement I called to inquire about what the charge was this time. The associate had to research it and came back and told me it was a title charge of some type, I paid that. Last night when attempting to get my 2016 tax information I noticed another additional charge, this is now going on almost 5 months since I settled and had the loan re-instated. An associatre again had to research it and came back and told me again it was a title charge of some type. I asked why I had been notified of the mysterious charges and explained what they were for, I got no explanation. I stated that this has to stop you ca n't just keep arbitrarily charging me more money with no explanation after almost 5 months. I asked why their phone system was stating my payment due was {$1300.00} and records on their on-line system were indicating {$1400.00} almost {$75.00} more than the normal payment. Charging a customer an arbitrary amount with NO explanation even after calling and speaking to them in person requesting an explanation and not getting an answer to me is below standard customer service. Practices like these open up serious possibilities for abuse.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have consistently and adamantly disputed these accounts on numerous occasions due to evident errors made by the credit agency. After fervently requesting that this account be deleted from my credit profile due to egregious violations of the Fair Credit Reporting Act ( FCRA ) guidelines, the credit agency proceeded to falsely update a non-investigated account to reflect updated and verified information. I demand the immediate removal of these accounts from my credit profile. See attached copies of the Experian credit report with ( NR ) errors. This is inaccurate reporting of information. Experian credit bureau has failed to delete the accounts with no data information ( NR ). This is a blatant violation of the Fair Credit Reporting Act ( FCRA ) guidelines. 15 U.S.C. 1681i Inaccurate Reporting.
Consumer complaint received 2016-12-20
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (NC)

Phone call at XXXX EST time from a robocall, telling me that there is a suspected fraud on the credit card account, and that I need to call in immediately. After 10 minutes of voice mail jail with Fidelity / Elan robots, it becomes clear that the " Red Flags '' for fraud include multiple transactions from XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX vendors that we pay dozens of invoices to EACH AND EVERY month ( see attached statement ). 

Specifically, the " fraud alert '' for today 's charges is based on XXXX transactions in a single day. Except that for each of the last 12 months, there have been DOZENS of days where we make XXXX or more purchases from the same " Red Flag '' / suspicious vendors. Why is this suspicious? 
Why are these " Red Flag '' tests so primitive? Why are calls not made during business hours?
Consumer complaint received 2017-01-31
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CrossCountry Mortgage LLC (OH)

Getting tired of Cross country mortgage and their XXXX controlling The mortgage market in the area I originate in I 'm being kicked out of these offices because of their agreements They refuse to let any other lenders or brokers on premesis with loan Programs XXXX of cross country mortgage sits in their offices daily XXXX is with XXXX and XXXX
Consumer complaint received 2016-12-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NH)

Bought a 2016 XXXX XXXX in XXXX of this year. Financed through Santander consumer. Made payments at our local Santander branch every month. Receipts to prove this. Tonight they repossessed my car saying no payments had ever been made. Offered to send them the receipts that I gave and was told I 'd have to take it up with the branch I made payments at to see if they could find the money. Refused to work With me at all, or even really listen. XXXX with a supervisor who said same thing. The repo order us out, nothing we can do. You should n't have made your payments that way. You can go to the branch tomorrow but we are taking the car tonight.
Consumer complaint received 2016-12-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc. (CA)

I do n't know what this debt collection is about. I ask to XXXX, XXXX and XXXX my credit report, so I find out that this debt was on my report under medical service by a collection company name COMMONWEALTH FINANCIAL SYSTEMS and the original creditor XXXX XXXX XXXX XXXX. I never did any agreement with COMMONWEALTH FINANCIAL SYSTEM or sigh any contract allowing them to put this on my credit report so I need this debt to be remove from my report. In my credit report this collection agency do n't have any phone number it say phone number no available.
Consumer complaint received 2016-12-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: OLD NATIONAL BANCORP (IN)

Basically, what strikes me funny, is how I was disruptive at the XXXX XXXX, MI branch. All I did was deposit {$100.00} and then when they advised me that they would not refund the overdraft fees, I basically told them that when I find a better bank, I would switch over. I now found a better bank. I want evidence produced which backs up Old National 's claims that I was disruptive. I was never asked to leave, I did my business and was gone no more than 10 minutes. I do n't see how that 's being " disruptive. '' Being disruptive is when I would not allow other clients to the window or create a public disturbance, when I did not do that. Furthermore, there were n't even any other clients in the banking center when I went in there. Advise Old National to be careful about slander and libel. If they maintain that I was disturbing and threatening, I will contact my attorney and look into filing a slander or libel suit. I would suggest dropping that claim that I was disruptive, unless they have a recording or physical evidence that I was disruptive at that particular banking center.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

As a XXXX customer, I was out on vacation and I was charged, {$130.00} for local calls in XXXX timeframe, I disputed and they kept saying I made international calls. I have sent letters to FTC and XXXX complaining the same. They have not only reported me to credit beareau, my complaints to the credit beareau, FTC and XXXX has gone unnoticed. To make matters worse they have refreshed the report again on my credit history, this has caused me XXXX to no end. I have disagreed to pay and fight this illegal charges on my principles of fight the corporations for there egregious mistake. Please help me resolve this charge on my credit report.
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

Experian has XXXX 30 days late on my credit report from XXXX. I have sent this company copies that shows I made my payment by the end of 30 days. The law states consumers has 30 days before it is reported late to the credit bureau. I want this company to change from 30 days late to OK.
Consumer complaint received 2016-12-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (VA)

I pay all my bills through Wells Fargo bill pay process. My XXXX XXXX XXXX was due on Sunday, XX/XX/XXXX. I scheduled my electronic payment to come out of my account on Thursday, XX/XX/XXXX. It was not delivered until XX/XX/XXXX ; resulting in a {$27.00} past due fee. I have a couple issues with what happened. - Funds were removed from my checking account on XX/XX/XXXX - XXXX XXXX processes payments on Sunday, but Wells Fargo does n't consider that a business day. 
- My payment has still not cleared XXXX XXXX on XX/XX/XXXX and I received a past due fee. 
- Electronic payments should not take 3 business days ( especially since it 's been removed from my account ) to be processed from another on-line bank. 
- This is the 2nd time my due date as fell on a Sunday and caused this issue ; but overall - I think the debiting of my account prior to a payment clearing is questionable and the time it takes to make an electronic payment is too long. I do have the option to pay an additional fee to make it go faster. 

I did not have this issue with Wachovia ( prior to them becoming Wells Fargo ) and I also am aware other banks do not take money out of your account, prior to the check clearing - it also should n't take 3 " business '' days to send an electronic payment. I spoke to XXXX different representatives and did get agreement that it did n't make sense that the process took so long to send an electronic payment ( not needing to create a check ). 

I 've also opened a ticket with XXXX XXXX to see if there is an issue on their end, but based on my conversations with Wells Fargo - I believe the issue is with the delay in their processing of bill pays.
Consumer complaint received 2016-12-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc. (GA)

I have disputed accounts # XXXX, XXXX, XXXX, XXXX, XXXX with Medical Data Systems, Inc on XXXX/XXXX/2016 and I sent my dispute certified mail requesting validation of this debt. Medical Data Systems failed to provide me with a copy of any viable evidence, bearing my signature instead they send me a copy of itemized billing statements that is a HIPAA violation. A second certified letter was sent XXXX/XXXX/2016 and only XXXX removed all accounts, XXXX still reporting XXXX ( XXXX ) account and XXXX still reporting all accounts as accurate. A third certified letter was send XXXX/XXXX/16 and today I received a letter that is attached above. 
They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove these listings from all the credit bureaus. If you refuse, I will take legal action immediately!
Consumer complaint received 2016-12-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NC)

I filed bankruptcy in XX/XX/XXXX with the offices of XXXX. Greentree at the time was my mortgage company. They were charging me more and more money every month then tried to foreclose on my home that i purchased in XXXX. I was harassed constantly prior to filing bankruptcy. They sent police officers to my house more than once and even called my neighbor across the street to look for me to let them know they were trying to reach me because i was behind a payment. Now they have merged with Ditech who my mortgage has been turned over to and i had damage done to my home in XXXX from a hurricane. XXXX ( my insurance company ) has come out to my home and wrote me a check for {$5500.00} to fix the damages. It was written out to me and Ditech and i sent them the check on XX/XX/XXXX certified with a XXXX form from the man that will be doing some of the work that was needed to be done immediatedly and i still have not received a dime from them. I have just about had it with both of these companies abusing me. Please help me in anyway you can. I have contacted XXXX office and they have stated there is nothing they can do to help. I have contact the FTC and my next step is the XXXX. As of now my home has damaged skirting underneath and over the week my water pipes were frozen for 3 hours. There are 10 other mobile homes on my block that share the same well and if my pipes burst none of them will have water. Again, thank you for your time. 

Sincerely, XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2016-06-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have been receiving harassing, threatening and XXXX threats telephone calls from Capital One Bank representatives in regards to a credit card account and debt of {$320.00} I do not owe. The account or debt do not belong to me. I have never applied for a Capital One Bank credit card. I am a victim of identity theft.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As a federally protected consumer I am requesting the CFPB review this dispute regarding the credit reporting agency Transuion, XXXX, XXXX, and the company XXXX XXXX XXXX. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumer rights to privacy. 15 U.S Code 1681b permissible purpose of consumer reports. Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 15 US code 1681c requirements relating to information contained in the consumer report. Any other adverse item of information other then records of convictions of crimes which antedates the report by more the 7 years should not be on the consumer credit report. By violating section 1681 b permissible purpose and 1681 c information contained in consumer report, The credit reporting agencies seems to be in direct violation of compliance procedures under title 15 U.S Code 1681 ( e ) Compliance procedures.

For willful noncompliance results are civil liability {$1000.00} per violation according to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( o ). This account is adverse and causing extreme harm.

This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this dispute and investigation.
Consumer complaint received 2024-08-24
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. (GA)

Credit card application was. Made by someone using capitol one I didnt authorized it I need it removed from every credit bureau!!! 

XXXX XXXX ran my credit without my authorization and i need the inquiry removed XXXXXXXX XXXX XXXX XXXX derogatory statements on my credit that are too old and should be removed I paid as agreed
Consumer complaint received 2024-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2016-11-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Billco, Inc (TX)

A company named XXXX has accused me of owing {$210.00} for a product I return within 60 days, which a customer service representative told me I could if I was not 100 % satisfied. They said I ordered it on XX/XX/2016 and I returned it on XX/XX/2016. However, they threatened to report it to the credit bureaus. 























































XXXX
Consumer complaint received 2017-03-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

I am the attorney for XXXX and XXXX. 
Ditech apparently is the servicer and/or mortgage owner of the mortgage against their house at XXXX, IL, XXXX. There was previously a foreclosure against my clients, Case No. XXXX in XXXX County, Illinois that was dismissed in XX/XX/XXXX. My clients filed a personal Chapter XXXX Bankruptcy, Case No. XXXX which was discharged in XX/XX/XXXX. In late XX/XX/XXXX, the mortgage lender, Ditech 's predecessor, entered into a Temporary Loan Modification pursuant to HAMP rules because their mortgage was backed by XXXX. To make a long story short, on XX/XX/XXXX, Ditech assumed responsibility for the mortgage loan, and sent my clients an offer loan modification by paying {$1300.00} a month at 2 percent interest, which they accepted by signing and notarizing the agreement with the required payment on the due date. Ditech and or any other lenders in interest gave up their right to seek foreclosure by accepting the payments and agreeing to dismiss the foreclosure lawsuit, XXXX. My clients gave up their right to pay nothing, as the debt had been discharged in a Chapter XXXX bankruptcy. There was a legally binding, contractual loan modification entered into between my clients and Ditech as of XX/XX/XXXX. Every month since XX/XX/XXXX ( and during the trial period from approximately XX/XX/XXXX through XX/XX/XXXX ), my clients paid the required amount under the contract by Ditech 's own records. Since XX/XX/XXXX, Ditech has sent my clients numerous letters saying that their loan is in default, and demand payments of large sums, demanding my clients sign a new loan modification with twice the interest, and/or threatening to foreclose and take their home away. But our screenshots of Ditech 's own records demonstrate they are not in default, and Ditech is in breach of the agreement.
Consumer complaint received 2017-03-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

I have been going back and forth with Wells Fargo for about two years trying to do a short sale on my home. Throughout this entire time the bank has made mistake after mistake in handling my account. They came back time after time asking me to provide information and documentation that I had already provided. They called XXXX over and over again even though I told them to cease and desist communication with him as he has medical issues preventing him from being able to comprehend such issues. Now we are finally to the point that things are moving in the right direction and we have been approved for the short sale. We have the buyer inspector coming on the property however when he comes he is making request for me to repair and fix things. I am more than happy to do so however he is making it difficult because when I fix the things that he asks me to fix he comes back and asks for me to fix more things. I 'm doing everything that I can do to work with Wells Fargo and now that we are finally at the point that we could possibly close on the house and move forward I receive word that the bank will not grant me any more extensions on the short sale. I can not believe that after all that they have done to me and my family over the last 2 years that they can not partner with me to finalize thing and give me the time needed to get the house closed. This WOULD have been do n't months ago should there have been a confidant employee handling my account in the first place. I am now so overwhelmed trying to work with this mess of a company. Every mistake that this company has made has taking so much time to fix and all I 'm asking for is the time that I need now to complete what should have been completed MONTHS ago! I 'm shocked that this company would rather sell this house at auction rather than getting the fair market value for the property. At this point I will be contacting an attorney to investigate the way my case has been handled and pursue legal action against this company.