davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (TX)

received an initial call on XX/XX/XXXX from XXXX at XXXX in the XXXX of the XXXX indicated she would do the following in that discussion, that she would take action in the next day or so to have the account removed from collections and my account cleared at XXXX. 

The indicated actions by XXXX have not happened as of this writing which is why I am reaching out to you again for assistance. 

I have attempted to contact XXXX no less then XXXX different times leaving messages, email contacts, call back number, etc. However, outside of the initial call on XX/XX/XXXX XX/XX/XXXX has not returned my ANY of my called since our discussion on XX/XX/XXXX. 

XXXX lack of responsiveness and failure to follow through on her commitment to me is uncharacteristic of individual working in the XXXX of the XXXX period. Not only am I disappointed in XXXX lack of response to my many phone calls, but also her slight attitude in our initial conversation which appears to be consistent with her lack of follow-through action and non-responsiveness subsequent to our initial phone discussion on XX/XX/XXXX. 

At the crux of the issue is the failure of TM and Receivables Performance collection agency to completely remove any and all reporting of the {$68.00} for a balance that is not owed, and was indicated would be removed by XXXX 

However, Receivables Performance is play games with zero reporting while leaving the initial {$68.00} on my credit report which in not right.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

First, the reported credit limit is incorrect. My credit limit was {$35000.00} yet it is being reported as only {$18000.00}, making it appear I used more than 100 % of the available credit, which is harming my credit score. Worse yet, in response to my dispute letters, XXXX retaliated. Specifically, XXXX reported to XXXX that this debt was a mortgage as opposed to a credit card. XXXX did this with the intent to destroy my credit score and prevent me from getting a mortgage. XXXX 's retaliatory behavior is criminal. There must be laws against this sort of retaliation.
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IN)

My son decided to try to better himself by going to XXXX in XXXX, he was grown with a family, but XXXX XXXX, now, Navient, insisted he get me to cosign the loan, which I did. He has kept up on the payments for the most part, but they will not give me loan information, even though the late notices and phone calls come to me. He says they will not answer his questions either. When I paid off my student loan, twenty five years ago, I had the same problem. You would think things were better now.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I recently saw a new story and it mirrored my exact situation with Navient. I literally called yesterday trying to find a way to pay on my loan which has continued to climb and is now almost XXXX ... They have me on the forbearance plan when I am trying to get an income-driven plan to actually pay this down but I get XXXX luck with this at all. Then last night I saw this ( XXXX ) story and I needed to contact you to get on board with this. They told me if I am eligible for this " forbearance '' for 20 years that I would fall under the federal aid act and would wipe out my balance completely. Seems to me they are using people like myself as pawns to make a huge profit from our government in 15-20 years by killing consumers with interest.
Consumer complaint received 2016-11-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I had previously submitted a complaint against Portfolio Recovery, and they did not address the complaint that I submitted. All they did was say that " XXXX has furnished information to the consumer reporting agencies in accordance with industry guidelines. XXXX verified the account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. '' Portfolio recovery is not reporting accurately. They are reporting as a factoring company, and as an open, revolving account, which they are not. They are a debt collector. They are also reporting payments on my reports monthly, which they can not do as a debt collector, and furthermore, I have never made a payment to them even through they are reporting that I have been paying them for the last year and a half. Regardless, they can not, as a debt collector, report monthly on a credit report. 

I never received a dunning letter from Portfolio Recovery after they purchased this account from XXXX, which they were required to send. Furthermore, after sending them a request for verification, they did not respond.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with the following companies were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

The following companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-14
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. (CA)

Please see the attached letter from the FBI that I received on Friday, XX/XX/year>. I am forwarding it to you as additional information regarding my unfortunate situation that occurred last year for your understanding and consideration. Sincerely, XXXX XXXX
Consumer complaint received 2016-11-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (FL)

Planet home lending took over my loan from XXXX bank earlier this year. When calculating my monthly mortgage payment, Planet Home Lending double charged me for my insurance bringing my monthly mortgage payments to somewhere around $ XXXX. I obviously fought this and after three long month was able to convince Planet Home Lending of their mistake and bring my monthly mortgage payment down to $ XXXX. This was in XX/XX/2016 and I have all the communication to proves this including an email from Planet Home Lending stating that " we are in contact with your insurance agent ''. I thought everything was settled as I have been paying $ XXXX since last XXXX but all of sudden, my XXXX monthly payment jumped to $ XXXX. I immediately called Planet Home Lending to find out what had happened for my mortgage payment to go up so drastically and they said that I did not have insurance since XXXX and that they did not know who my insurance company was? This is a total lie since we had gone through this whole charade seven months earlier and I had email proof that they had been in contact with my insurance. Upon digging a little more, I found out that my insurance premium had gone up during the year a total amount of {$210.00} and that Planet Home Lending had not paid the invoice which is why my insurance was cancelled. I must specify that at not time was I contacted by Planet Home Lending or my insurance to advise me of this sudden increase but beyond that, Planet Home Lending obviously knew who my insurance was because 1 ) I have an email from them stating that they are in contact with my insurance agent 2 ) They reduced my intial payment from {$2400.00} down to {$2000.00} 3 ) They made a payment on my insurance but were short of {$210.00}. If they did not know who my insurance was, who did they make the payment to? 4 ) My payments remained at {$2000.00} all year until this XXXX. All that being said, I have been fighting with everyone at Planet Home Lending but they refuse to admit their fault and every department passes me on to the next. I find it crazy that if I happened to be a day late on a payment they call me twenty times but when they have to put me on their lender based insurance at double the rate I was paying, nobody calls, emails or even sends a letter. I am at my wits end and hope you will be able to help me with this matter.
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: ALLY FINANCIAL INC. (RI)

On XXXX XXXX, XXXX my debit card was fraudulently used three times at a nearby ATM by someone who stole my card and pin numbers. I had never visited the ATM in question, and I notified Ally Bank within a few hours of the fraudulent transactions occurring on my checking account. Within a week, I had filed a police report with my local police station in XXXX, MA, and provided Ally with the police report on my transaction dispute forms. After a few more days, a detective at the police station called to let me know that they had a suspect that they believed had fraudulently used my cards. On XXXX XXXX Ally granted me a provisional credit for the entire disputed amount, and I believed the case was resolved. In early XXXX I received a letter from Ally stating that their research concluded that the disputed transactions were " authorized and correct '', and my provisional credit was reversed on XXXX XXXX, XXXX. Ally did not provide me with their research report, and indicated that they had not contacted the police department where I filed my report. I immediately followed up with the police department and the detective assigned to my case confirmed that they had not been contacted by Ally, and that they indeed had a suspect for my case. He also mentioned that it was part of a larger, multi-state FBI investigation. After many calls to Ally I was told that my transaction dispute had initially been escalated to the wrong department, and that my case would be re-opened. On XXXX XXXX, XXXX I re-sent my transaction dispute forms and police report to a different department at Ally. As of today, XXXX XXXX, XXXX, I have neither a provisional credit nor a timeline for resolution.
Consumer complaint received 2016-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Clearview Resolution Services (TX)

A XXXX XXXX calls to state they need information on a debt. They will not say who the creditor is. They seem to be trying to fish for personal information. They state they are from Clearview Resolution and are in the Department of Civil Processing. She states her extension is XXXX. They call from number XXXX and want you to call them at XXXX. 

They also have a guy stating his name is XXXX XXXX call ; he states his is from XXXX XXXX XXXX wanting to drop off something that needs to be signed. And refers you back to the XXXX
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

I continue to review my credit report for errors and the same errors that I have disputed are still present. When I try to file a dispute with Experian it will not allow me to do so and an request that I cancel my dispute. XXXX and XXXX XXXX have prematurely added late notices to my reports even after being paid and before I ever became XXXX or XXXX days late. XXXX was paid on XX/XX/2016 via XXXX bill pay but refuses to accept my payment. They claim that the they have an internal rule in which they do not accept payments from customers who have had more than XXXX return payments. This rule was never presented to me during the signing of my loan agreement nor did I sign anything to agree to this. XXXX is at fault for not applying my payment correctly. On XXXX separate occasions I requested to be placed on automatic bill pay through a monthly withdrawal from my bank account. I submitted the paperwork to XXXX twice and even confirmed with a female associate who confirmed they had my paperwork. I reviewed my account and observed that I sent payment by accident through my bill pay which I stopped because XXXX was to draft my payment from my account on the XX/XX/XXXX day of the month. Instead of drafting my account the market me as 30 days past due for the month of XX/XX/XXXX even before my payment was due on the XX/XX/XXXX. When I called them they stated that they will no longer accept payment from me unless it was in the form of certified funds. When I asked what happen to my automatic draft they claim that they never received it even after they confirmed they got it. Similar to XXXX XXXX they are claiming that they have an internal policy where they refuse to accept payment which again was not agreed upon in my loan terms or was brought to my attention when I opened the loan. These late notices should not be on my credit report and were done so maliciously by these pay-day lenders. Also I disputed my XXXX account who has reported me late in error. The balance is incorrect on my XXXX account and my payment history is incorrect. I was on a payment protection plan due to a job loss that reduced my payments. Apparently my bank account information was entered incorrectly which caused my payment to be returned and because I was in error added to the do not call list I was not notified until several days later, via XXXX mail after the XXXX mark. XXXX agreed to remove the XXXX day late mark if I filed a dispute but Experian has failed to investigate this properly. I have attached the response from Experian and how they prevent me from filing an additional dispute to remove these errors.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-01-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

The investigation is taking several months. Every once in a while they change the person in charge of the case and everything goes back to zero again, with the same letter of introduction and asking for renewed information. There is like a rota of people fooling around my id theft case. I have never gotten a complete investigation status or what clearly the problem is, and/or what is the solution they are working at. There is a constant repetition of questions and information. Repeated information that has to be re-submitted to a new agent everytime. I feel disappointed and also I do n't even know what are they doing with all this information, my personal information, what is their purpose. If they are marketing or selling my data, or what is going on. But at this point I do n't want their involvement. I know they can be dangerous because they operate as a division of Experian, and they could enter detrimental information in my file if they wanted to get back at me for filing this complaint. Therefore, under my lawyer 's advice, I will be using this complaint also as a milestone to indicate I complained against the agency before they try to damage my credit. Now they have a lot of personal information that XXXX be they even did n't need. They promised to help me put a long term fraud alert on my record, something in the order of 5 o 6 years. Which I thought it was kind of long. But I went along until now when I 'm realizing they are playing games. Their purpose? I do n't know. Thank you for your assistance. Best, XXXX XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX. Post Data : I wo n't be able to attach files, but I can send in a long chain of emails I received from this group XXXX ( Experian ) for a period of 6 months or more.
Consumer complaint received 2016-09-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

The property located at XXXX XXXX, XXXX, GA XXXX was purchased in XX/XX/XXXX by XXXX XXXX the borrower and I XXXX XXXX, her husband, was added to the title only at closing. 
On XX/XX/XXXX we were granted a divorce and the property was awarded to me. Thereafter I learned that the payments had not been made and was {$4700.00} due which I brought current. I continued making payments until I was laid off and collected unemployment at which time I sought the help of an attorney to assist with a modification. The firm of XXXX reviewed my financials and gave me a schedule which included {$5500.00} for the mortgage company, plus other debts totaling {$12000.00} for 60 months at {$230.00} monthly. until it was dismissed, The loan was with Homeward Residential, Loan # XXXX and sold to American Home Mortgage Loan # XXXX which statements were being sent in my name since I was making the monthly payments after the decree.and quit claim deed was sent for their records Thereafter the loan was again sold to Ocwen Loan Servicing Loan # XXXX and when I tried to communicate with them they refused stating I was not the borrower. I tried for months to communicate but was unsuccessful until I received correspondence in my name that the property was being foreclosed. With the help of a housing counselor we contacted the attorney who assisted with us to be able to speak with a supervisor at Ocwen where I was assigned a Single Point of Contact who scheduled several appointments and gave me information to submit forms and complete documentation for a modification which was done. The foreclosure was postponed and I requested to have the property refinanced in my name which I believed was being done. I later learned that the modification could not be done in my name as my ex-wife was the only one on the mortgage.I was then offered a short sale and took all the steps to provide the required paperwork. I inquired if my father who was living with me at the time could purchase the property and was told yes and had him qualified.. In speaking with the Counselor who informed me that it was unusual to do an arms length transaction and suggested I speak with someone directly in the Short Sale department who stated it could not be done. 
At the last scheduled appointment the XXXX informed me that I could reinstate the loan the day before the new scheduled foreclosure sale date which is XX/XX/XXXX by paying the amount of {$47000.00}. 
At this point I am requesting your assistance in what can be done to keep my home as it have been over two years and I have had no resolve.without getting the proper information from the mortgage company.
Consumer complaint received 2016-11-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have a mortgage loan with Ocwen Loan Servicing LLC, bearing loan # XXXX, I applied for a loan modification recently and instead of reducing my payments, they increased my payments, I wanted to dispute the increase in payments, they said that because my property is not under water, hence they ca n't give me a principal reduction and also ca n't reduce my monthly payments. 

Ocwen has my property value as {$460000.00} ( Property Address : XXXX XXXX XXXX XXXX, XXXX CA XXXX ), and my loan balance with them is close to {$420000.00}, I got a certified appraisal done the value of my property mentioned in the appraisal report was {$380000.00}, I sent the copy of the appraisal to Ocwen about a month back and to date they have not done anything on this issue. 

I request CFPB to intervene and do the needful to help me save my home.
Consumer complaint received 2016-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (VA)

Company listed debt as new debt from XX/XX/XXXX when it was from XX/XX/XXXX. Company never sent me a notice to disputes debt before listing it on my credit report and I do dispute the debt I had to see this on my credit report to be able to call them to ask them what this was and that I wanted to dispute the debt. Also this de t has been removed and the company reinserted a deleted debt into my credit file. The company is using illegal tactics
Consumer complaint received 2016-05-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (CA)

CitiBank violated Regulation E ( Reg E ) of the Federal Reserve when they refused to reimburse my personal checking account for the XXXX unauthorized transactions with my ATM debit card. I have notified the bank on XXXX XXXX, 2016, for the transactions that occurred on XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. The bank failed to conduct an adequate and proper investigation and failed to reimburse my account the loss of {$2800.00}. I have done everything on my end to notify the bank of the loss in the timely manner, and yet they did not follow Reg E and did not provide any legitimate reason for their actions.
Consumer complaint received 2016-03-04
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TX)

I was charged multiple fees for transactions on my account that was drawn out of an old account and Citibank is racking up fees and interest also when I first got the card I was told that I was n't going to be charged a member fees per the account terms I have been charged fees after I called Citibank to have the fees discussed and reversed the interest has cause my account to be over the limit and affect my credit dramatically