davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

Ditech has held my 2nd mortgage for several years untilXX/XX/XXXXwhen it was taken over by XXXX XXXX XXXXXXXX. Upon viewing my first statement from XXXX XXXX XXXX I noted that it said my loan was paid ahead until XX/XX/XXXX but that I had a balance due from Ditech in the amount of {$24.00}. On XX/XX/XXXX I contacted Ditech and learned that even though I pay {$250.00} every month to cover a set monthly payment of {$230.00} in which the additional amount goes to principle, the overage was not going to principle but was rather being held by the company until the total overage was {$210.00} at which time they applied it to the payment for XX/XX/XXXX ( without my consent or knowledge ). When they did this, not  only did it appear as though I shorted them on a payment but they were then able to keep {$140.00} of the funds as interest instead of applying it to principle like I intended and like they showed on every months ' statement they were. Based on this history, it likely means they are currently holding {$110.00} that should have been applied to principle since XX/XX/XXXX and are just going to keep it. Here is how I got that amount : $ XXXX-XXXX=XXXX x 8 months= {$110.00}.
Consumer complaint received 2017-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX XXXX Installment Loan # XXXX Date Opened XX/XX/2017 This account in showing 30days late for XXXX, however it has never been late
Consumer complaint received 2017-08-20
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)

XXXX XXXX XXXX XXXX Installment Loan # XXXX Date Opened XX/XX/2017 This account in showing 30days late for XXXX, however it has never been late
Consumer complaint received 2017-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

On XXXX XXXX, 2017 I received a Service Transfer letter from SPS ( Select Portfolio Servicing , Inc. ), stating that my refinanced mortgage account would be transferred to them from the previous servicer, XXXX. I thought this was great since I had written an abundance of complaints to CFPB about the egregious and criminal acts committed against me by XXXX. I researched SPS, and although the company did not receive good reviews at all, I thought that the change would give me a corrected, fresh start. I called SPS and spoke to a representative to get my new account number and she explained several ways I could make my XXXX payment. I was not waiting for the payment vouchers before paying my first and consistent payment for XXXX. I saw in one of the reviews that another new client waited and was sadly penalized. I was told to pay a little over {$640.00}, because I had an unapplied balance from my previous XXXX account. I discussed with the SPS representative that I would be making the payments by XXXX XXXX quick collect at the end of the month, by the XXXX, and the representative gave me the information needed in order to send the payment. I was told that I didnt need to call after I made the payment to SPS, that SPS will see the amount paid and apply the unapplied funds amount to complete the XXXX payment. I also discussed with the representative that the amounts derived by XXXX ; which led to the complaints to CFPB and led to my account being transferred to them ( SPS ), were erroneous. The representative documented and explained that our conversation would be investigated and the investigation would take up to 60 days after which I would be notified. Right after SPS processed my XXXX payment I received a confusing notice. Although SPS just received my account in the middle of XXXX AND SPS is still investigating the payments made to XXXX, SPS put my account in Default status??? Then in addition, I received a statement dated XXXX, after already making my first payment in full with SPS in XXXX. They have no listing of the payment I made AND the combining of the unapplied funds amount on the website. The statement reads : Loan Due Date XXXX Payment Due Date XXXX Amount - {$3200.00} Late Fees - {$390.00} How???? My monthly payment is less than {$940.00}. I have conformation of the payment for XXXX as paid. I pray Im not in another XXXX type company Please dont let that be.. Please Help AGAIN??? Awaiting Your Response, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo closed my account due to a negative {$47.00} they claimed due to insufficient fees from XXXX credit card auto pay that I cancelled auto pmt over 4 months ago, the first XXXX od fee I went on ahead and paid and made deposit in act. Second time I contacted XXXX that I DID NOT authorize prior to it coming and they said they would research the PENDING TRANSACTION, a week later I received a notice in mail that I called after the transaction cleared. UNTRUE! WHats the purpose of a week research if the transaction already cleared? They are liars. I called about this 4 times as they refused to acknowledge and ignored. This bank will lie and fraud my act due to their incompetence so they can make extra XXXX fees. I informed them ahead of time and they still charged me two XXXX fees, keep in mnd this is the " ONLY '' transaction coming thru this checking in THREE MONTHS as I planned to close and informed them of this! They closed the account per notice and placed me on a bad check list. NOT FAIR, they have no right. Just like they opened 2 additional acts without my authority as I am a party of that law suit and NOW THIS. Not to mention how they illegally tried to make my mtg pmt behind about 8 years unitl I called HUD as they researched and they had to correct my account. I am sick and tired of the unfair treatment and bogus statements!. I have a mortgage and they closed my user id and password so I dont even have access to review my mortgage. ALways iussues with these people causing fraud transactions.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

Estimated time of Federal Banking Misconduct involing Chase Bank/Chase Mortgage is 12-months. Chase Mortgage has utilized unfair and discrimnatory practices in order to 'solicit, entice, and force ' the Mortgagor to refinance a Mortgage whose fixed-terms are less than 8-years to complete payoff. The first tactic, on behalf of Chase Mortgage, began in XX/XX/XXXXby sending the Mortgagor unwanted, unrequested, and dubious joint written and verbal communication regarding refinance offers which had an offer expiration at the end of each month ; Often written communications would be sent via XXXXdelivery requiring signature as it were a serious legal matter, turning out to be nothing more than 'aggressive solicitation '. Further, after each written solicitation, verbal voicemail messages were left by Chase Bank Mortgage finance division. In XX/XX/XXXX Chase Bank did 'unlawfully ' manipulate, block, and lock online access to Morgagor 's mortgage statement which had been accessible and linked with other financial products held by the Mortgagor such as credit cards, checking accounts, etc. Subject blocked and locked mortgage financial data 'purposely prevented the legal Owner ( Mortgagor ) from viewing accurate payment posting, balance due without calling to speak with the same department involved in the agressive solicitation. Also at issue is the Mortgagor receives a 'real-estate property tax bill ' each year along with Chase Mortgage and has 'pre-paid ' this amount in full ; Thereby forcing Chase Mortgage to place said funds in Escrow and preventing future 'scam corporate advances ' to the Chase Mortgage account. Summarily, blocking online access to Morgagor 's Chase Mortgage statement is akin to placing funds in a bank account and not be permitted to see the 'consumer product for which one is paying ', with a goal of PAY-OFF!
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (NC)

XX/XX/XXXX, I purchased a chair from XXXX XXXX for {$3900.00} plus tax and fees. The chair was delivered on XX/XX/XXXX, but was broken. I contacted the seller, sellers agent and home office and nothing was done, they refused to replace the chair for a new one according to their policy. I wrote, called, emailed and sent a letter by USPS. With no response I sent both and email and a letter cancelling the {$540.00} I paid for warranty, as well as informed I would report the charges of {$600.00} as fraudulent in my credit cards. I advised both the store and the home office I 'd dispute the charges and accounts as I requested them closed. Finally a technician was scheduled to fix the chair XX/XX/XXXXbetween the hours of XXXX and XXXX, I advised Conns in writing on XX/XX/XXXX that I would pay 1/2 the retail value on the base of the chair if they fixed it mi us the warranty I 'd written to cancel, I 'd begin payment 45 days after the chair was repaired. At XXXX XX/XX/XXXX the repair center called and said they would not make it and could n't reschedule. I contacted Conns again resending my prior offer as the chair is not repaired and I requested they come get it and allow me to speak to their arbitrator XXXX XXXX. They refuse stating my attorney has to call, however my contract says either myself or someone representing me could speak with them. 

In addition, the total amount owed on the chair is about {$2700.00}, not {$5200.00}. Conns has refused to follow their policies in regards to purchases and exchanges. I 've informed them that the debt would be disputed and received messages in return noting they understand.
Consumer complaint received 2016-09-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

just received a notice from Gulf Coast Collection Bureau Inc. stating I owed {$58.00} for a XXXX on XXXX/XXXX/15. I am on Medicare and Medicare Gap so would not have any outstanding bills. Also never ever received a notice regarding this {$58.00} until today ( one year later ). Checked their background and found many, many complaints with the same issue. Clients had paid their bills. 

I 'm concerned that this will affect my credit rating. Hopefully they can be removed from the collection business.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stuart-Lippman and Associates, Inc (LA)

Stuart-Lippman and Associates first attempted to contact me on XXXX XXXX, XXXX by phone. They left me a voicemail stating they were a claims collector and that they needed me to call the regarding a claim. 

This call was followed up by an undated letter that was received on XXXX XXXX, XXXX stating that I had XXXX  days to respond and dispute the validity of the debt. I responded by certified letter mailed on XXXX XXXX, XXXX disputing the debt and requesting verification. This letter was signed for as received by XXXX XXXX on XXXX XXXX, XXXX. 

Stuart-Lippman and Associates sent me another letter on XXXX XXXX, XXXX stating that they had previously contacted me, but did not verify the debt in their letter. 

I have since received XXXX additional calls, the first on XXXX XXXX, XXXX and the second on XXXX XXXX, XXXX. Today, I received a letter dated XXXX XXXX, XXXX stating that Stuart-Lippman and Associates wanted to allow me to " satisfy this claim on a voluntary basis '' and that if I did not pay within XXXX  days of receipt that it would " result in increased collection efforts '' and that I should " govern '' my " actions wisely. '' I perceive this to be a threat to sue me or damage my credit illegally, especially because I followed the law and disputed the alleged debt within the legally prescribed number of days.
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Student Advisor Center LLC (PA)

I was contacted by a company called Student Advisors in summer of XX/XX/2017. They claimed they were working with the Federal government to help people out of student debt by consolidating multiple loans into one with a lower interest rate. In order for these services, they told me they charge a fee ( around {$1300.00} ) which I could pay in installments. I signed up for this, and signed an agreement that outlined the services they stated they were going to provide. One month later when I realized my student loans were not consolidated, I tried calling Student Advisors, and did not get an answer. I tried multiple phone numbers, left multiple messages, and never heard anything backfor months. Eventually I just gave up and chocked it up to a missed opportunity/near miss. That was until several months later when I checked my credit report and saw a credit account opened under my name from a company called XXXX XXXX. I looked into this and realized that this was the fee I was paying for the loan consolidation which I enlisted for. I called XXXX XXXX to cancel this account, stating to them that I never received the services I signed up for. They told me that they are just a third party, who bought my contract from student advisors. They said they could not close my account, and I still owe them all this money, and that they can not do anything about it because I signed a contract. No matter how much you try to reason with these people, they argue because they know they are wrong. This is criminal, and they should be persecuted by the law. They keep telling me to take it up with Student Advisors. How can I take something up with a company that doesnt exist, or if they do, wont return my calls. Even when I explain to the people at XXXX XXXX that in my contract there is a clear clause that states all payments shall be returned to consumer if the product isnt delivered, they still argue. You cant argue with this, and we need to get the Federal government involved here. This is no different than financing a house, but then not getting the house yet still being responsible for paying for said house.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

We filed a XXXX  XXXX bankruptcy XX/XX/year>, and it was discharged XX/XX/year>. XXXX XXXX XXXX XXXX XXXX credit card were included in that bankruptcy. We have provided Experian with a letter from XXXX stating, that it is reporting incorrectly on our credit report. Some reason it keep showing that this account is open and 30 days, and 60 days late. We have filed several disputes since our bankruptcy about this same issue. We are not sure why! We checked the other two credit bureau and there is no issue there. Please help us with correcting this matter! Thank You!
Consumer complaint received 2017-08-21
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC (GA)

I received a call from a rep of this company on XX/XX/XXXX @ XXXX XXXX # XXXX - by the name of XXXX XXXX. Within the first 50 seconds of the call I informed him that I was at work, and could not talk about the matter at this time. Over the last two weeks, I received calls from two other  representatives informing of the same ( XX/XX/XXXX @ XXXX XXXX # XXXX ) ( XX/XX/XXXX @  XXXX XXXX # XXXX ), that I was only able to speak to someone after business hours - and for me that ends at XXXX XXXX  EST. After informing XXXX XXXX that I was unable to speak about the matter he went on to badger me, insult me, and tell me to be honest, also telling me I have had plenty of time to take care of this matter since the date of service is from XX/XX/XXXX. However, they only have sent two statements ( which I have not yet received ), and called 3x ( since XX/XX/XXXX) - I am sure that they have just recently bought the account/debt from the original creditor. When I asked him for his managers name/number, he was not willing to give that information immediately, he instead told me to just take care of my bill. He was unprofessional, rude, condescending, and insulted me on numerous occasions, all the while, breaking the law, by continuing on with me when I told him from the beginning I was at work, and could not talk - even going on to say " This is a cell phone right, well how do we know where you are. '' Within the first 50 seconds - he was told on a " recorded '' line that I was at work, and could not speak about the matter. Therefore, violating 15 USC 1692c section 805 ( 3 ).
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WINNPOINTE CORPORATION (CA)

I refinanced my loan through Interactive Mortgage. After the loan had closed which cost me a higher interest rate and an additional upfront cost of {$630.00} for an interest adjustment of 4.250 to 4.375 % because the closing department claim that the paperwork I submitted for my student loans did not actually specific how much my payment would be in XXXX. Currently I am not paying anything which I submited documents to support. I dismissed this because I wanted my payment to drop down from {$1500.00} to XXXX. However, after I had signed loan documents to obtain the payment of {$1400.00}, I received a call from XXXX XXXX of Interactive stating that I owe approximately {$400.00} more for hazardous insurance. I was baffled by this because my loan closing statement included a breakdown of my fees in which there is a charge for hazardous insurance of 13 months @ {$56.00}. The insurance quoted now is 13 months@XXXX. I received a letter from XXXX XXXX that my insurance is {$690.00} total. I am not sure why I am being ask to pay this additional amount. When I received the call from XXXX XXXX I was asked to come up with {$400.00} approximately because of the insurance being renewed. Than on Saturday after checking my loan documents I find a letter from XXXX XXXX XXXX XXXX applying additional cost to my loan that equaled {$210000.00}. My initial loan amount was for {$210000.00} now because I told XXXX I had to examine the paper work I now had to pay over {$2000.00} extra for this loan. I thought I was getting out of a prior bad loan but it looks like these loan companies are ripping homeowners off.The amount paid to XXXX XXXX XXXX was {$200000.00}. I was initially told I would only have to pay {$490.00}. Over {$6000.00} has been added into my loan.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-19
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: EQUIFAX, INC. (DE)

XXXX from XXXX XXXX XXXX is reporting a fraud account # XXXX balance {$570.00} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for one.
Consumer complaint received 2017-08-21
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. (NY)

I obtained a copy of my credit report on XX/XX/XXXX.It turns out that someone has been applying for credit in my name from XX/XX/XXXX but was unsuccessful because I have limited credit history.I contacted TransUnion to get the inquiries removed and all they wanted was to get me off the line.The first inquiry is from XXXX XXXX on XX/XX/XXXX.The second is from XXXX XXXX XXXX onXX/XX/XXXX and the third is from XXXX XXXX on XX/XX/XXXX.I hope that I can get my report to show my true credit responsibility.