davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This is a general " For The Record '' consumer complaint requiring no further action! As a XXXX year old consumer having a history of perhaps 3 non-sufficient funds occurences throughout my lifetime, I was appalled to recently have experienced and learned that in the event of a NSF event involving a credit card payment, banks are allowed to repeatedly attempt to retrieve a NSF payment thereby resulting in repeated NSF fees. The last time I caused an NSF event ( years ago ), after one attempt, that was that! End of story! Either the consumer had the funds to cover the obligation or they did not and it was up to the consumer to rectify the situation, period. This business of repeatedly attempting to retrieve funds is outrageous and needs to be outlawed!
Consumer complaint received 2017-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

A Loan wa s originated in  2006  with a Deed of Trust in the amount of {$240000.00} for a purchase in Arizona totaling {$350000.00}. The balance of the purchase was cash from the sale of a home in California.   XXXX  There was a " PrePayment Penalty '' if the loan was paid off within the first 12 months of {$90 00.00} ( 6 months interest ). The  " PrePayment Penalty '' was recorded as a " Deed of Trust '' which should have been released after the  XXXX  payment.   XXXX  The loan payments are current with no additional charges. There is an attempt to sell the property. The "  PrePayment De ed '' is still showing as a recorded lien. The company originating the loan is out of business, the first servicer is out of business but was purchased by a national bank. That bank transferred servicing to an active company.   XXXX  Bot h the servicing company and the  bank which transferred the loan denies any responsibility to release the lien.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I have tried on multiple occasions to get Equifax to follow FCRA and in turn respect my rights in this matter. I have asked Equifax to on at least 4 occasion to validate this account, as well as on multiple occasions as Equifax to present me a description of the procedures used each of these disputes. Equifax refuses to and even lied in one CFPB complaint stating that they would send it in the mail. No such information has come and even then they failed to follow FCRA and just opened up a dispute. What part of " FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY '' is confusing you? nothing in this says open a dispute, in fact everything states do not open one and tells you exactly what is requested. The letter clearly states in bold red letters to not open a dispute and that this was a procedure request : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This letter is being sent via certified mail / return receipt requested and notarized, for pending lawsuit : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY : FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY Equifax email pertaining to this issue attached you will see that stated the reinvestigation will take up to 30 days. Under FCRA listed above they have 15 days from the date they received the letter from me. Tracking number and such will be in attachments. Futhermore this was a procedural request.. as stated under FCRA 611 ( 15 U.S.C. 1681I ) and which was clearly notated in the letter i sent equifax, as well, being that this is at least the 3rd time Ive had this issue with equifax pertaining to this i asked for this to be expedited
Consumer complaint received 2017-06-30
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACS Education Services (IN)

I contacted Studoc ( formally known as student document assistance program ) prep to get help with my student loans and they gave me false information. They wanted my personal information, which I gave them, they also wanted me to pay up front of XXXX dollars ( I paid them on X/XX/2017, X/XX/2017 and X/X/2017 with the payment of {$290.00} ) without the promise of any written details, and told me I qualify for public service loan forgiveness ( The prep told me it is called Obama student loan forgiveness program, which I found out there is no such program exist and it was false advertise ) Right now it is XX/XX/XXXX, 2017 and they are still asking me for more information and fill out more document, and at this point I requested that I would like to cancel my service and get my money back but the company prep are being avoidance of my request. They kept saying it is almost compelete and want me to wait but I been dealt with this incident since XX/XX/XXXX, 2017.
<P/>The last time I contacted them was on XX/XX/XXXX, 2017. The prep wants me to put another forbearance for 3 months and told me that they tried to contact me in XX/XX/XXXX, and in XX/XX/XXXX but can not give me the date when they called. They tried to put the cause of delaying the process on me but when I asked the date and the time they called, the prep can not provided the information. I kept all the email that I got from the company if needed.
Consumer complaint received 2017-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (HI)

Tried to do loan modification and Ocwen sends back last payments so it wo n't become valid. Both Ocwen and their attorney never returns phone calls so I could find out why checks were returned. Was told by XXXX XXXX XXXX to file a Chapter XXXX bankruptcy, followed all directions to stop sale and that failed. Per commissioner and judge, it was supposed to be filed in Federal Bankruptcy Court to be valid but THEIR clerk at the window at the district court said that was it. She hand wrote the number on the top of the page and said to make sure we sent it to the proper people and we sent it to XXXX XXXX XXXX and they sent it to Ocwen. The amounts of the balance of that mortgage do n't even seem right. We went to court on XXXX XXXX,2017 to fight the sale with the bankruptcy and the Judge said that the bankruptcy was n't in time and filed properly so the commission of sale was granted. We asked him how long we had to keep fighting g this and he said 60 days but no one wants to help us because of the way it 's noted on the credit report a d how far the foreclosure is but we have been trying to fight everything since we were made aware and still got no help!
Consumer complaint received 2017-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, my complaint is in regards to my Transunion Credit Report #  XXXX . I accidently sent Transunion an original docume nt ( Ban kruptcy #  XXXX  ), currently reporting on my Credit Report.   XXXX  I sent the document in  XXXX   2017 . The remaining information is in the uploaded document.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I recently received a letter dated XXXX XXXX, 2017 from XXXX XXXX stating it is holding me responsible for the accounts that were opened up as a result of identity theft under my name and social security number. <P/>The reason for they are holding me responsible are as follows : statements were not mailed back, a phone number that does n't belong to me is mine they are claiming and my license number was used on a XXXX and XXXX contract. <P/>I have done my own research for the last six months and my findings are quite different. I called XXXX XXXX to see who the XXXX number belongs to and they said it did n't belong to XXXX XXXX XXXX and there is nothing linking me to that number despite XXXXl XXXX 's claim that it is in fact my number when it is n't. <P/>Secondly, they said there is a XXXX rental that used my license number to rent a car and when I called XXXX at their corporate number and gave them my license number and date of the alleged rental, they state there was no such rental on that specific date using my license number or name despite XXXX XXXX 's claim that it was in fact me. <P/>Third, they say statements were not mailed back and I can not control the mail or give a reason why statements were not mailed back. <P/>I called over to the XXXX XXXX department that is handling this claim and spoke to XXXX XXXX and her response was basically you 're going to pay this debt regardless if it belongs to you or not. I understand their company has done an internal investigation, but their findings are inaccurate and they are refusing to guide me through this process and removing it off of my credit report. <P/>I never had an account with this company. <P/>Please help
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

There are 2 collection accounts on my report that are not mine. I have asked for verification of the accounts multiple times and the response I get is they have " validated it ''. I have sent several letters asking for verification of accounts in accordance with FCRA. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified. '' I have requested that the collection accounts : XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX Acct # XXXX to be verified. I would like to see proof that these are indeed my accounts, which I adamantly believe they are not. I would like them removed as it is my right under the Federal Law
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (FL)

Fed Loan Servicing continued to report in accurate inconsistent information on my XXXX & XXXX report.The current payment status on these loans is transferred and they continue to note that it is 120 days past due which is erroneous. They are to report 100 % accurate information by law but how accurate can the reporting be if there are so many inconsistencies. Their failure to accurately report my information is hindering me from obtaining financing from my business, especially for loans that are paid. I have sent numerous request to have this information corrected almost ever month in 2017 but they have proved unwilling to correct their mistakes.I have submitted a complete copy of my 40 plus page credit report where the inconsistencies are clearly outlined. The credit bureaus are claiming that they are only reporting what is provided by Fed loan and Fed Loan is claiming that they are only reporting what is indicated on my correct report from XXXX. Well ... which one is it? If there is NO PAST DUE AMOUNT REPORTED, how can it be 120 DAYS PAST DUE??? WHAT is 120 days PAST DUE??? XXXX DOLLARS? XXXX XXXX, Fix it!
Consumer complaint received 2017-07-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

When I first bought my home it was through XXXX, and something happened to where XXXX went bankrupt but they never let me know anything, I had requested documents from them as to the note, the payments and how they were being applied the balance but yet never received anything, and due to all this I too ended up filing bankruptcy and then XXXX bought out XXXX and when I was calling I was told to talk to XXXX, but they too never let me know they had taken over til after the fact, and when XXXX talked to me they stated that they were escrowing the account and putting it at a 3.5 percent, and if I received anything from them it would be for information purposes only and that they were not going to reaffirm the loan so it had been discharged with the bankruptcy, I then asked for the documents that they had received from XXXX they never sent anything to me I was immediately again in the dark about what they were doing, and about all aspects of the loan, and it was questions after questions and left unanswered. And then as I kept calling XXXX it came to where they told me that they were no longer over the loan and that I needed to talk to SPS select portfolio servicing, Inc. @ XXXX XXXX XXXX@XXXX XXXX  XXXX XXXX XXXX XXXX, Utah XXXX - XXXX and here we go again no one told me that they were no longer over the loan and SPS did not contact me either, and here I had no documents, and I explained again the problem to SPS and I again received nothing, they are running with amounts and too have handled the loan at the level of information purposes because of bankrupt, but there has been no transparency other than what they say and that is a problem that has trickled down starting with XXXX who left me hanging when they filed bankruptcy, and here I am in this horrible situation of losing my home, and just like XXXX and then XXXX and now SPS this customer rep XXXX XXXX has advised me not to send in any payments, that finally they are sending some documents, what I gave learned unless if you are in this field or very savvy about what they are doing they take advantage of people, I owe more than my house is worth but still is my home and want to keep it that way. I have been in the XXXX XXXX for over 33 years so where else can I run to, I do not know what is or is n't true with these banks or mortgage companies, what I do know is that this mess started with XXXX and here this giant went bankrupt failing its customers, so what do they expect from the little guy. I need someone who knows about these things to look into this because want to lo my home, it is not my fault what happened to XXXX and this mess that has trickled down, thank you, and feel free to contact me @ XXXX.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

this company is reporting fraudulantly, this account is being reported as late months when they had not even bought my loan from prior company. XXXX bought loan XXXX 2016. also, there was a three month payment arrangement was fullfilled account never late and they are still reporting 30 days late. they 've rejected payments, sent back auto pays, since there employees seem incompetent to apply payments properly and on time.
Consumer complaint received 2017-06-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

My income based repayment plan increased my monthly payments by almost double, I could n't make the payments so i called Navient to see what my other options where. Talk to a rep, she let me know that consolidating my loans would be a good option. She let me know that during the review process I would n't need to make the high monthly payments. That they would send me a letter with the terms and that if i decided to go that route i can sign and return the paper work. Well i did receive the letter from Navient regarding the consolidation, I saw the price and had a XXXX XXXX XXXX. All the money i had already repaid would pretty much go down the drain, I did n't know what to do so i decided to let it go and stay with the high payments. I was waiting for the package that included the signature pages to turn down the consolidation, it never arrived. Logged in to pay my loan and it said it was already re-paid!!! <P/>Navient consolidated my loan without me signing off. The letter that had the terms had at the end that if they did n't hear back from me they would take it as me accepting the new terms. XXXX???!!!! This was in XXXX 2016! What if i was on vacation and did n't check e-mails, obviously i wo n't have access to my mail. I felt so taken advantage of. There was nothing anyone could do to help me. All the money i had already paid off was gone. I owed it all again plus more. <P/>I do n't think this process is fair! All i did was go to college to have a better life and it has become the biggest regret of my life.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently received a letter dated XXXX XXXX, 2017 from XXXX XXXX stating it is holding me responsible for the accounts that were opened up as a result of identity theft under my name and social security number. <P/>The reason for they are holding me responsible are as follows : statements were not mailed back, a phone number that does n't belong to me is mine they are claiming and my license number was used on a XXXX and XXXX contract. <P/>I have done my own research for the last six months and my findings are quite different. I called XXXX XXXX to see who the XXXX number belongs to and they said it did n't belong to XXXX XXXX XXXX and there is nothing linking me to that number despite XXXX XXXX XXXX claim that it is in fact my number when it is n't. <P/>Secondly, they said there is a XXXX rental that used my license number to rent a car and when I called XXXX at their corporate number and gave them my license number and date of the alleged rental, they state there was no such rental on that specific date using my license number or name despite XXXX XXXX 's claim that it was in fact me. <P/>Third, they say statements were not mailed back and I can not control the mail or give a reason why statements were not mailed back. <P/>I called over to the XXXX XXXX department that is handling this claim and spoke to XXXX XXXX and her response was basically you 're going to pay this debt regardless if it belongs to you or not. I understand their company has done an internal investigation, but their findings are inaccurate and they are refusing to guide me through this process and removing it off of my credit report. <P/>I never had an account with this company. <P/>Please help
Consumer complaint received 2017-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (AZ)

We took advantage of 0 % credit card offer for 18 months in XXXX of 2016 on our XXXX XXXX  credit card. We are a XXXX XXXX and we use our home as our mailing address for the XXXX. We moved in XXXX of 2016 and had our mail forwarded to our new address. Because we were concerned about missing any payments due to the move, we went to great lengths to keep track of when payments were due. No payments were ever missed on this account. Unfortunately, we recently learned that XXXX XXXX closed the account and have started to charge interest on the account. When inquiring as to why this happened, we were informed that the account was closed because we moved. This happened despite our payments being made and our mail being forwarded. <P/>We requested that the account be reopened and the 0 % interest offer be honored. We also requested a reimbursement of all interest charges that were charged to the account. XXXX XXXX has refused to honor their 0 % offer.
Consumer complaint received 2017-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

When i try to credit my american express blue cash credit card and other american express cards with my rewards dollars the reward dollar site page does not let me credit my account. Only when i call american express and complain they fix the problem right away and i can then credit my account. This happens about 50 % of the time i try to use my rewards dollars to credit my bill. I believe this is done to frustrate the card holder from requesting reward dollars credit. This occurred again today X/X/17. I am sure this is a common practice with american express card holders.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2017 I submitted a list of items that were unknown to my records and also unverifaible. I waited on a response and after 2 months I have 0 results.
Consumer complaint received 2017-06-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Coastal Credit, LLC (HI)

I financed a XXXX XXXX with Coastall Credit LLC in XX/XX/XXXX. I got out of the military on XX/XX/XXXX on an XXXX XXXX XXXX quickly and unexpectedly. I made the XX/XX/XXXX payment. For XX/XX/XXXX, I informed the company that my va XXXX from the military would be later than usual due to the circumstances. The lady told me that it would n't be an issue. I got notified that I would receive my money XX/XX/XXXX. I informed the lady at the company that it would be in on XX/XX/XXXX. On the morning of XX/XX/XXXX at XXXX, a repo company, came and repossessed the vehicle. When I called the company, the lady told me that I violated my contract with coastal credit by getting out of the military and that 's why she was repossessing the vehicle. None if the paperwork I signed said that I had to be in the military to keep the car loan. The car was sold at an auction and the remaining balance placed on my credit report. I have filed multiple disputes and the company continues to hold the account on my credit. Recently as of XX/XX/XXXX. Coastal credit union changed the amount owed from XXXX roughly to 13,000+. The car was unfairly repossessed. And the balance is remaining on my credit report destroying all possibility of getting a, new car. On top of all that, the company continues to sporadically conduct inquiries to my credit report.