davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

At This time, I am disputing what Beneficial HSBC had responded to my claim with. For the fact that i did in fact make my trial modification payments, and each time I was never notified. During the last time in 2014 i had even went through another Lawyers office. I have enclosed copies of each check that was sent in for the last modification showing that we did make the payments for 2014. Also If Beneficial does not participate in the XXXX or similar federal government-sponsored programs, why???? do Beneficial employee 's tell me when i have called or even when i received the information by mail to please call for to see if you qualify for XXXX Assistance or XXXX. 
Plus this is not to mention there are XXXX different names on papers that I received in the mail, and each XXXX had different answers for me when I talked with them, not to mention when my new wife did also.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

From XXXX to XXXX my spouse and I had a small XXXX out of our single dwelling home in XXXX. We formed an LLC and used a po box for It. The po box is still on record as being a residence. Please correct this.
Consumer complaint received 2016-10-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (VA)

I already claimed I did not know what this debt is for and also said that my insurance covers XXXX percent of everything. If the company is refusing to disclose any information about this debt then I will not pay and my lawyer will be contacted. Saying that the account was verified by you does not mean anything to me. Show me proof or drop this issue or I will see you in court. It is as simple as that.
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MI)

Experian refused to provide my free annual credit report. I complained after I received the refusal letter. I got a second letter. In order to complain to Experian directly one needs to have the report in-hand. Without it there is no resolution to be had. The second refusal letter falsely states " The address you provided has never been reported to us. '' This is a lie. And I can prove it. I want my free report. No more letters of refusal. My address is the same one Experian has had since 1981. It has never changed. Same one they mailed both refusal letters to.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

Hello, I have XXXX accounts and XXXX public record item appear on my credit. I brought the errors to the attention of the Equifax personnel. I received an updated credit report from them ( Equifax ) advising me that XXXX of the accounts had been deleted from my file according to my credit report dated XX/XX/2017 Confirmation Number XXXX, however i pulled a recent copy from their site and it states otherwise ... .. the accounts say they are in dispute. 

I am requesting that Equifax clear the errors and remove the false and inaccurate information from their database once the information is verified and removed from my credit it will not be re inserted. 

XXXX Account Number XXXX XXXX Credit Account Number XXXX US Bankruptcy Case or ID # XXXX
Consumer complaint received 2015-08-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NJ)

Santander Bank repossessed my 2009 XXXX XXXX after I was unable to make payments due to job lost. The vehicle was sold. Now they are trying to collect the deficiency balance which they are stating are XXXX different balance XXXX amount is {$9500.00} and the other amount that they want is {$5600.00}. How are they able to do this they have taken the car sold it and now they want more money from me and I am still in finanacial ruins. Please help me sort through this as all my calls have amounted with dealing with Santander and a collection agency that has threatened me with ruining my credit, they stated that they will get a judgment against me and take all my money and leave me with nothing. Santander has gone on my Credit Reports and has changed the amounts on all three Credit Bureau Agencies from owing {$0.00} to {$9500.00} to {$5400.00} to {$5600.00} all in the month of XXXX. Something is very wrong and I want this to stop now.
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AL)

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX XXXX XXXXXXXX It shows that this account was opened in 2018. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (IL)

I have a business credit card with American Express, and an additional card for my husband. The cards say 'American Express Business Platinum XXXX on them. After seeing a number of billboards at our local airport stating that Amex Platinum card holders could enroll in TSA XXXX and have the fees credited, ( and also calling Amex for additional info regarding the program ), my husband and I went to TSA.gov, enrolled, and visited our local TSA assigned center XXXX/XXXX/16 as instructed to complete the process. The fee of {$85.00} was charged to each of our cards and appeared on my XXXX statement. However, the credit for the fees, {$170.00}, did not appear. Today I called Amex to inquire as to when to expect the credit and was told that my card is 'not actually a platinum card ' although it is clearly printed on both of the cards for my account. I am also told that I do n't qualify for the benefit because 'the card is not a platinum card ' ... .although the card actually has the word 'platinum ' printed on it! When asked to explain, customer service stated that 'platinum ' is just the color. My response is that no other card in the line of Amex cards has a COLOR printed on it. I also inquired as to how any account holder would know there is any difference as they are suggesting, to which I was told they do n't know. Ultimately, I was offered {$85.00} to resolve the issue after being told that they were n't sure it would be covered even 'if ' I had a 'platinum ' card because it was from a third party service and we didnt use TSA because the fees were billed as 'XXXX/XXXX '. I actually had to inform customer service that TSA.gov is where the application is processed ( which we did ) and they send you to a local office as fingerprints and interviews ca n't be done online. They take your credit card when you complete the application in person. I declined the {$85.00} as I am adamant that if the benefit applies to cards that are 'platinum ' that they should honor either their commitment or their error. I have been an Amex card holder for almost 20 years. I stated that if they would not do the right thing then I would close my account. I was put on hold, and then sent to the 'cancellation department ' where I was offered {$100.00} to keep my account. I again declined as they are very clearly wrong and I spent at least an hour on the phone attempting to amicably resolve this. They are well aware of what my card looks like, and what it is printed on it. There is even a picture of my card on my account page on their site. It is absolutely ridiculous that they have tried to defend such an egregious mistake. They are guilty of XXXX.
Consumer complaint received 2016-09-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (IL)

Between XXXX and XXXX, I took out a few Wells Fargo private student loans. Since I did not have enough credit to be the sole borrower, my parents were co-signers. The loans that we signed stated that my parents would be released as co-signers after 24 consecutive on-time payments. 
In XXXX, I took forbearance with my Wells Fargo loans due to an XXXX internship. Once the internship ended, I was told that my parents would not be released until 48 consecutive on-time payments were made beginning in XXXX. They alleged that there were missed payments, but there never were. I requested detailed information from them, but they never produced documentation. 
The development about the new co-signer release was never agreed upon, either verbally or in written form. I have made on-time payments without my parents help for the duration of my payments and ask that they be removed as co-signers as soon as possible.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

VARIOUS INQUIRIES I DO NOT RECONIZED. SOME HAVE BEEN DISPUTED ALREADY, BUT I RECENTLY WOKE UP TO MORE INQUIRES ON MY CREDIT!
Consumer complaint received 2016-07-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

This loan has been is short sale approval for 6 months! We have had XXXX offers, XXXX of which have left because of the length of the process, we are about to lose the XXXX and the homeowner has lost her job again and is under much stress. XXXX XXXX XXXX. She has her agent XXXX XXXX sending this for her as she has broken English and needs assistance. We were notified of the approval of the short sale around XXXX XXXX, since then we can not get consistent communication about this short sale and three times they have requested the same information from us of which we have sent and resent and outlined the corrections to the loan officer, XXXX XXXX on which offer he should be looking at. On XXXX XXXX we sent the information below for the 3rd time! We have had no response after numerous attempts and including a cc to his supervisor : XXXX XXXX. Still no response as of XXXX XXXX, 2016. In addition we have left several voice mails since our emails have gone unanswered. Buyers have given notice today that they will resend offer XXXX XXXX due to the lack of communication and response from Wells Fargo. This home appraised for {$170000.00} and offer is for {$170000.00} with {$5000.00} in closing cost ; this should not be hard to accept! Please assist XXXX XXXX with this lender and her unfortunate circumstances.. 
XXXX XXXX XXXX Homeowner XXXX XXXX XXXX Homeowner 's Listing Real Estate Agent SEE BELOW WHICH WAS THE LAST CORRESPONDENSE SENT ON THIS : REF # XXXX XXXX XXXX XXXX XXXX XXXX NC Thank you XXXX for responding to us. We have attached the following based on what you numbered out to us in your previous email. This is the 3rd time we have sent the correct CURRENT documents and what you are apparently looking at are previous offer that no longer apply. 

1. The offer to purchase is in the amount of {$170000.00} not {$170000.00}. 
2. The HUD closing worksheet shows the correct purchase price of {$170000.00} not {$170000.00}. 
3. The attached listing agreement signed XX/XX/XXXX takes us through XX/XX/2016. 
4. The buyer is asking for concessions in the amount of {$5000.00} not {$4500.00}. We understand if there is a cut off of allowable seller concession costs but just need to know for sure the correct amount to advise the buyer. 
5. The fully signed and initialed offer to purchase is attached as well and is n't missing any seller initials. 

How fast can we get a response that you have received these and looked through them and see what we have laid out above is correct? 

Also, can you explain to us what LOW NET means.
Consumer complaint received 2017-03-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

Navient has begun making adverse entries in my credit report, falsely claiming that I have two accounts with them that are more than 120 days delinquent and that I agreed to pay them {$430.00} per month for 120 months. I never had any such agreement with this company and am not in default of any agreement with them. My credit score has plummeted by hundreds of points based upon these fraudulent reports to the credit bureaus. I am unable to have the adverse information removed from my credit file. From their entries they appear to be attempting to revive and collect on an almost forty year old purported student loan. I have no such student loans. Please help?
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (PA)

I had spoken to XXXX XXXX XXXX on several occasions about my monthly statements and how I could receive them. Around the same time our mortgage was going to be transferred. I asked him if our credit file with Statebridge could be deleted, he requested that I send in a letter asking for the removal of the negative information, which he assured me the account would be removed. I did this in XXXX 2016 and got no answer, I also disputed the fact with XXXX XXXX credit reporting and have not received a response. XXXX XXXX states that their investigation has been completed but there is no update.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NV)

Experian violated 15 usc 1681 A section 1 & 2 By furnishing and reporting Accounts without my consent I have a right to privacy I want the following accounts deleted now. 
XXXX XXXX XXXX XXXX ACCOUNT # XXXX. XXXX $ XXXX XXXX XXXX ACCOUNT # XXXX. XXXX $ XXXX. XXXX XXXX ACCOUNT # XXXX. XXXX $ XXXX violated 15 usc 1681 A section 1 & 2 By furnishing and reporting Accounts without my consent I have a right to privacy I want the following accounts deleted now. 
XXXX XXXX XXXX XXXX  ACCOUNT # XXXX. XXXX $ XXXX XXXX XXXX  ACCOUNT # XXXX. XXXX $
Consumer complaint received 2022-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (PA)

someone provably a family member had access to my personal information and someone open a cellphone acct under my name and even forced my signature. i requested validation and i notice the address use to acquire this acct was not mine. i requested deletion of this acct and the company insist the belong to me when is not.
Consumer complaint received 2016-02-14
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Adjusters, LLC (MN)

I am a victim of identity theft. Someone stole and used my personal information to apply for a payday loan. I never applied for a payday loan. I keep receiving harassing and threatening phone calls from National Credit Adjusters representatives in regards to a debt that do not belong to me and is the result of identity theft.
Consumer complaint received 2015-12-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a business account with Bank of America and as I was reviewing my account on line I realized that some company debited my account 3 times for a total of {$590.00} from my account with out my authorization. I called B o A and file a claim, and received a temp. credit for {$590.00}. Now B of A is sending me a letter telling me that they have made the decision of charging me back the {$590.00} because the charges are valid. I called two weeks ago and requested to speak with some one regarding this issue. I told them that I never authorized those charges. Today I received a second letter telling me that again they are charging back the {$590.00}. I requested again to speak with some one and I was told that some one may call me back but that it was not for sure.
Consumer complaint received 2024-11-06
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

In the past couple of weeks Synchrony Bank has closed both my XXXX card and my XXXX XXXX card. Both accounts have never had a missed payment and were always paid on time. The XXXX XXXX card has recently been paid off and had {$1000.00} available balance ( the full amount ). My XXXX card had started with a {$1000.00} limit and was then reduced to {$800.00} without notification and then closed even after making all payments on time. I owed just over {$600.00} on that account. I was never given notice and the reasons sited were me being a risk of failure to pay which if you look at my credit report I have a flawless payment history on all of my accounts. I am just baggled as to why they did this and don't think it's right to close accounts without valid reasons.
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

Per the FTC website XXXX in the section " Posting Payments '' the first line reads " The servicer must credit a payment to your loan account as of the day it is received. '' My mortgage loan servicer, Wells Fargo, is not applying the payments on the date received. I have set-up automatic weekly payments to be withdrawn from my bank account and applied to the mortgage which is to pay the principal, interest, taxes, and I opted for additional principal to be withdrawn and applied as well. I will be uploading a copy of my XX/XX/2017 Mortgage Statement with personal information blacked out as evidence ( you 'll see explicitly noted the weekly payments are " unapplied '' ). Wells Fargo is essentially receiving a short-term interest free loan by holding the weekly payments until the end of the month and then applying them. I believe this is incorrect. They should be applying the payments once received in order to reduce the principal balance which then reduces the amount of accrued interest.
Consumer complaint received 2015-07-16
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (CO)

On XXXX XXXX 2015, I made a money transfer ofr {$100.00} through Western Union to XXXX. Western Union gave me an exchange rate of XXXX XXXX to the dollar. I later found out that the exchange rate at the time of this transfer, was XXXX XXXX to the dollar. This means I was ripped off to the tune of XXXX XXXX at the point of exchange. 
Millions of XXXX immigrants, remit money to families to the tune of millions in a day and Western Union charges fees for these services. To shortchange customers in addition to these fees, is unconscionable and a fraud. 
1. I am requesting an investigation of this transfer and countless others transmitted by Western Union. 
2. I am demanding a refund or transfer of the balance unpaid. XXXX XXXX. 
3. Western Union to be compelled to remit funds in XXXX dollars or at exactly the exchange rate in the country where money was transferred to. 
4. Western Union is to be made to pay restitution to everyone cheated in this manner. 

Transfer completed at XXXX XXXX XXXX XXXX XXXX XXXX Co XXXXTracking Number XXXX
Consumer complaint received 2016-12-03
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: National Credit Adjusters, LLC (CA)

In XXXX XXXX XXXX XXXX contacted me via phone'Unknown '' solicitating what they where going to do unless or unless i take its consilidation agreement. A down payment was paid and the payments made. They are reporting i owe them money after they consolidated with me. I need their false info removed from my credit report disturbing mt rank and credit factors in case law of the IRS XXXX todate. I kept my agreement and i take its co-fact of input as its initial sales rep threats of court action or consolidate.
Consumer complaint received 2016-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (FL)

I have a student loan from attending the XXXX XXXX of beauty. My loan was apparently sold to Transworld Systems Inc . I agreed a year ago to a repayment plan and they said after XXXX consecutive months it would come out of default status and be ready to return finance. Than I get a letter say my account non compliant I call and they are rude and say they sent me email etc to read sign up I make XXXX payments on the phone than I realize it 's a scam they add thousands of fees and you never come out of default. My account # with them XXXX their number is XXXX please help me they are lying crooks.
Consumer complaint received 2015-08-11
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

XXXX XXXX I submitted XXXX questions via PennyMac Message Board. ( XXXX and XXXX ) They refuse to answer the questions directly and specifically. Except to tell me they already answered it or call customer service which is not acceptable. 
I would like a specific answers please:1. Is there a past balance due? If so, how much and please submit proof and supportive documentation. 

2. Is XXXX payment still due? A payment under the transaction amount does n't show for XXXX, although escrow and principal balance is credited for XXXX. The payment paid {$1000.00} and posted on XXXX/XXXX/2015 was for XXXX 2015. 

3. Is there a reason why the principal balance did not change from XXXX to XXXX after XXXX 's payment was credited? {$180000.00} XXXX {$180000.00} XXXX. 

4. Is there an escrow balance due and if so, how much? ( 2015 escrow is {$1900.00} ) Please answer each question which is XXXX questions, so there should be XXXX responses.