davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MS)

Good afternoon, My name is XXXX XXXX, I opened a case with Ombudsman about two years ago ( in XX/XX/XXXX ) in regards to inquiries on my XXXX XXXX and XXXX/Department of Education Loans. During this time, I was provided some incomplete payment details that included an account number that was literally blacked out with a permanent marker, inquiries about payments that were not applied to my accounts ( with my bank statement printed out for proof ), the fact that my Stafford Loan Disbursed balance was showing as a XXXX balance but I was continued to get charged the same amount or more than what I was initially paying on a monthly basis. 

The last email that was sent which was never returned, was on XX/XX/XXXX @ XXXX XXXX. 

I 've seen correspondence in regards to XXXX 's negligence for over charging the consumers and I wanted to make sure that my case was documented as an example. 

For the XXXX/Department of Education payments, my initial balance after my graduation in XX/XX/XXXX was around {$420000.00}, in which I was set up on a payment plan of around $ XXXX monthly being drafted out of my account and Ive never had a late payment since this draft was created. As of today, my loan balance is over {$53000.00} and every time I ask for an itemized statement of events historically ( i.e. how much was paid towards principal, interest, capitalized interest, etc. ) that explains how my disbursements occurred, Im never provided this information in its entirety. I have bank statements to support my claim, but I can never get the holistic balance history for my records. I 've tried contacting the Department of Education locally in the XXXX area for insight, I 've reached out to my Senator via snail mail, and I 've contacted my Lendors multiple times all to no avail. 

I have all of the documentation that was requested from Ombudsman printed out and saved as a PDF document for reference. Also, I have bank statements that shows remittance for each my student loans.
Consumer complaint received 2017-12-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (MS)

In 2 days I have received 10 phone calls from Allied Interstate debt collection from 10 different phone numbers. They never leave a voicemail and always call from a different number to dodge being blocked. This company has made no attempt to contact me in writing so I have no idea what their supposed business with me is. I have done internet research on this debt collection company and they are notorious for harassing consumers and are the target of many lawyers who specialize in debt collection harassment.
Consumer complaint received 2017-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (AL)

There is a collection account showing on my XXXX report with Amsher Collections services for {$120.00}. The date last reported is showing XXXX/XXXX/2015 but I have called Amsher and they do not have this particular account for XXXX XXXX. Also, my children have had medical insurance all their lives so this bill should not be on my report at all. I have never had any problems with there insurance before now and dont understand this bill at all especially since it os reporting that Amsher has debt thru XXXX but they say it is not in there office. I have disputed with XXXX because again when I called Amsher it wasnt in there system and the account has been removed and not sure why its still there
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (CT)

We contracted a company, XXXX, who was recommended by our insurance company to project manage our insurance claim. The company did not complete any of the work they had agreed to, did not get permits for any of the work before it began. We paid them over {$9000.00} and then started receiving collections notices in XXXX without ever receiving a bill from them and without them completing any work. We now have stop work orders on our home ( we had to hire our own contractors ) and the building inspector may require us to undo some of the work that is compete to ensure that it was done correctly. Today we received notification that a mechanical lean was placed on our house. I do not understand how the company can do these things without services being provided to us. I can not find a phone number to dispute this matter with the dept collection agency.
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MD)

In XXXX XXXX, I had a business service agreement wthe an online company called " XXXX ''. For this service, I agreed tp pay {$59.00} a year which I paid the full amount using my American Express credit card. Shortly after I signed up for the service, I tried to reach XXXX several times in relation to the services they agreed to provide me. Each time I called the customer service line, I could n't go through. My problem was not addressed by the company at all. So, I cancilled the service. I did n't ask for a refund, but I absorb the lose. A year later, XXXX XXXX, XXXX, XXXX charged my American Express account {$59.00}. I disputed the charge stating happened and the credit card company ( American Express ) investigated the dispute and resolved the dispute crediting my account for the full amount. 

XXXX charged my American Express account for {$59.00} again. I filed a dispute stating the XXXX XXXX, XXXX email communication between the American Express and myself. They said they will investigat the dispute. On, XXXX XXXX, XXXX, the American Express resolved the dispute, credited my account for {$59.00}, and closed the case. 

Then, I saw the {$59.00} charge appeared on my account again. When I contacted them, they said that XXXX provided evidence showing the charge is legitimate and they paid the amount. The American Express does not have an answer why the charge is justifyed where there is no new agreement between XXXX and myself. The service agreement was cancilled three years ago, and the American Express credited my account for the same dispute and same amount a year ago.
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (VA)

On XXXX XXXX, XXXX I register for a class ( XXXX XXXX XXXX ) at the XXXX XXXX XXXX, that same day I got an email from XXXX XXXX " XXXX '' XXXX that the class is no longer accepting enrollments for the spring term as the class began XXXX XXXX, XXXX. 

Early XXXX XXXX I got a letter from XXXX XXXX XXXX XXXX that I owe {$1500.00} for the XXXX XXXX XXXX course I NEVER took. I sent a registered letter to them with the email attached and I also filed a complaint with CFPB ( complaint XXXX about XXXX XXXX XXXX, XXXX. ) They put a negative mark on my credit report. They removed it and I also request them not to sell the fraudulent debt to anyone. 

Low and behold they did, they sold it to Conserve who just called me at my job XXXX/XXXX/XXXX XXXX. I request them not to call me at my job and to correspond in writing only, which I got a letter from them on XXXX XXXX, XXXX.
Consumer complaint received 2017-12-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNIFOUR FINANCIAL SERVICES, LLC (NC)

... I have been seriously injured and I ca n't afford to make but half of the payment I 've tried to work with them and all they do is threat to take my car Im XXXX and I financed a car through unifor finance been a lolyal customer I 've made every payment for 7 months {$470.00} until I was taken out of work plus the down payment of {$500.00} if they want to give back all money so I can get a car I have to have a car for Dr appt and grocery store, pharmacy its illegal to treat XXXX people this way
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

My mortgage holder, Select Portfolio Servicing ( SPS ), performed an escrow analysis on my account and mailed me a letter informing me of such in early XXXX XXXX. In the letter, I was informed that, based on their projections for the year, I had overpaid my escrow by about {$700.00} and that I could expect a refund. No timeline for the refund was provided in the letter. 
Maybe a week after receiving the letter, I contacted SPS to see when they might be mailing me my refund. I was told the check would be mailed on XXXX XXXX XXXX. I waited for the refund to appear in my mailbox and it never did. 
I contacted SPS in mid XXXX XXXX and was told the check was mailed on XXXX XXXX XXXX. They were surprised that I had n't gotten it in the mail yet and I was told that the check would be cancelled and a new check issued. During this conversation, as in all prior and subsequent conversations, I was prompted to verify my property and mailing address ( they are the same ) with SPS 's call center representatives. 
I have been in regular contact with numerous SPS call center representatives in the past 3 weeks or so ( none are able to give me their direct contact information, as they are 'call center ' workers ) and none of them has been able to verify for me where my refund check is and when I might see it. The best answer I 've gotten is somewhere along the lines of 'I 've alerted my supervisor and noted it in your record '.

I understand federal law ( RESPA ) requires companies like SPS, following their annual escrow analyses, refund any escrow overpayments of {$50.00} or more to the lender ( s ) within 30 days. My concern is that deadline has come and gone and I still have n't gotten my refund.

SPS has my correct mailing address. Otherwise, I never would have been alerted to their analysis of my escrow nor my escrow overage in the first place. I suspect they never sent me a check on XXXX XXXX XXXX and are in violation of federal law. 
Also, XXXX is coming ; I want my money.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (OH)

After being denied a credit card I applied online ( and called ) for my free credit report from equifax that I was supposed to be able to receive if applying within 60 days ( which I was ). This has happened to me in the past multiple times. I have NEVER been able to get my free report as promised by equifax.
Consumer complaint received 2017-12-01
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. (SC)

I have disputed XXXX XXXX XXXX several times through Equifax. The lastest being XXXX XXXX which the dispute was completed on XXXX XXXX. I have never did business with XXXX XXXX XXXX nor do I have a contract with this company. The last dispute only took Equifax only 6 days to complete. I think Equifax is being unfair to consumers and did not conduct a proper and timely investigation and with that they have violated Section 15 U.S.C 1681 of the FCRA ... .Where and what documents did Equifax use in their files to validate and investigate this account. Equifax has no proof or written contract in their files to hold the account to be true and therefore it should be deleted. As I am sure Equifax is aware, current Federal case law states, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... Promptly Delete all information which can not be verified.
Consumer complaint received 2017-12-01
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: Experian Information Solutions Inc. (SC)

I have sent in disputes to XXXX on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX and have yet to receive one notification that my disputes have been received, reviewed or fixed for that matter. It is my right as a consumer to dispute and have items corrected on my credit file that should not be there and/or are not my accounts.
Consumer complaint received 2022-08-17
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CT)

On XXXX XXXX XXXX I decided to take a loss mitigation option provided to me by my mortgage lender Ditech. I applied for a short sale on my home. I then called every week to see how the process was going and was told by numerous reps that my application was in process and even received a letter saying so. In the first week of XXXX I called up and was told that my application was incomplete. I asked why everyone else told me it was in process and the rep had no answer for me. I then decided that because I had not received any interest or offers on my property that I would file an application for a deed in lieu at the end of XXXX. I called up Ditech spoke with a representative that told me all I had to do on my application was say that I wanted to vacate the property instead of sell. I did this and got my most recent pay information and resubmitted the application. I called every week for a month again and was then told at the end of XXXX that no one ever received my application, even though for the last month 4 different reps told me that I was in process. Furious, I asked what happened and was told that they never closed out my short sale app and that the other reps should ve done that. I re applied again for a deed in lieu in the beginning of XXXX. Again I was told for a month and a half that I was in process and then I began getting calls about flex loan modifications for my mortgage. I denied this option every time I was called but I nothing something was not right. On XXXX XXXX I spoke with a rep named XXXX and he advised me that my application for deed in lieu had not been reviewed because no one removed the flex loan modification so I could not even be considered for a deed in lieu. Finally he took down the flex loan modification and I re applied for a deed in lieu again. At the end of XXXX I was assigned a new account rep by the name of XXXX. She assured me that the application had been loaded into the system and was being reviewed. On XXXX XXXX I called and spoke with a rep named XXXX and she had told me that I never applied for loss mitigation assistance and that my app was n't in process and that XXXX was n't even in the loss mitigtion department. She reviewed my application and said it was incomplete again. Every time I talk to someone they tell me something different to do. No one ever tells me the truth and know I am headed towards foreclosure. Today I am applying for a deed in lieu for the fifth time. I have had it. Please help me.
Consumer complaint received 2017-12-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Capital Recovery, LLC (OH)

Hello : Over 30 days ago I disputed the charge of XXXX placed on my credit report by this agency. They falsified reporting of my debt. They re-aged my debt which is illegal. They reported it to my credit report as if it was a new debt. The original date of delinquency is over 7 years old. Please remove this debt from my report as you have reported this incorrectly and also have not responded to my dispute request in 30 days. 
As you can imagine I will have no choice but to obtain a lawyer who can sort this out if this is not resolved. thanks very much for your time. 

FAIRWAY CAPITAL RECOVERY # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CT)

This complaint is about fraudulent charges to my XXXX card, which I believe were placed in a scheme involving Citi personnel. OnXX/XX/XXXX as I paid my card online, an ad for " oil capsules for hair '' for {$9.00} popped up. On impulse, I ordered them. They arrived but I did n't like them. However, the XXXX statement had an UNAUTHORIZED {$89.00} charge. I called Citi to report the fraud. The Citi agent '' XXXX '' stated it was for " XXXX 's XXXX XXXX '' ( in AZ ; I am in CT! ). She insisted that my order for oil capsules CONSTITUTED AN AGREEMENT to all charges made by " XXXX 's '' or " CaringWorks '' the capsule supplier. I objected and " XXXX '' agreed to reverse the charge ( she did XXXX, and replace the card. However when I used card # 2 the {$89.00} charge reappeared. I called " XXXX '' again and told her this was fraud. THERE WAS NO CONTRACT to allow these charges. After 3hours of my protesting " XXXX '' said she must consult " security '' ; after I waited, " XXXX '' came on but said I had agreed to the charges. OnXX/XX/XXXX I paid {$410.00} on the card, for American flightsXX/XX/XXXX, which were not listed, ( only {$600.00} non-itemized fraud ( Documents attached ) I need to have this scam cancelled.
Consumer complaint received 2017-12-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: CITIBANK, N.A. (CA)

My prior complaint number is XXXX. On XXXX XXXX, XXXX I sent a letter to Citibank requesting information about my student loan - I have not received a response. Today, XXXX XXXX, XXXX I am sending a 2nd request.
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IA)

I h have a mortgage through Ocwen, I did miss a few payments but two months ago I resumed making payments and they started sending them back. They said they would not accept any more payments on the account unless I could bring the account completely current. I called the company 2 inquire about a loan modification. The call was accepted by someone in XXXX, who spoke so quickly I could not understand him. I requested him to slow down so I could get the help that I needed and he did not. I requested to speak to someone who either would slow down or put me in contact with someone who spoke English he said he would help me and did not transfer me. I downloaded the loan modification papers and fax them to Ocwen 3 days ago and now they say they did n't receive them but I do have a receipt saying that I sent them I ca n't get any help it 's like they want to foreclose.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion Address wrong information duplicate address that do n't exist nor are my address : these are not right address : These are condo units not apartments XXXX XXXX XXXX XXXX APT XXXX -- -No such address XXXX CA XXXX Right Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I 'm also reporting to the FTC for all these address duplicated and wrong information on my file
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I 've had a XXXX card for 5 years and XXXX audited my credit report and closed my account without warning. I have not had a late payment and use the card and usually have money available on it. When I called they were not helpful and told me I would get a letter in the mail and that it came from them receiving a report from XXXX XXXX.
Consumer complaint received 2017-12-04
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: EQUIFAX, INC. (MI)

I put in my information in XXXX to see if I could get a lower rate on my auto loan. I was contacted by email by many potential companies about a new loan, including, on XX/XX/XXXX, XXXX XXXX. I replied, asking the XXXX XXXX representative XXXX for their general rates. She replied with a list of rates, at which point I never contacted XXXX XXXX again. Two days after ( XX/XX/XXXX ) I received an email from a credit monitoring website that XXXX XXXX had initiated a " hard pull '' of my credit. I emailed them asking for an explanation, as I had never filled out a loan application or given consent to a credit check. I did not hear back from them. 

I contested the check with the credit reporting agency, Equifax, which denied my request, saying that the credit report was " factual ''. A brief XXXX search of " XXXX XXXX pulled my credit without my permission '' reveals that this is a standard practice for this company.